Cheapest 2014 Hyundai Accent Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Searching for cheaper car insurance rates for your Hyundai Accent? I can’t think of anyone who looks forward to buying car insurance, especially when the cost is too high.
With so many options, it can be hard to pick the most cost effective insurance company.
You need to price shop coverage yearly due to the fact that insurance rates change frequently. Even if you got the lowest rates on Accent coverage six months ago you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because I’m going to teach you the right way to find better rates and still maintain coverage.
Finding affordable coverage is not rocket science. Basically, every vehicle owner who is shopping for car insurance should be able to find lower rates. Although consumers must learn the way insurance companies compete online because it can help you find the best coverage.
The most recommended method to compare insurance rates from multiple companies is to realize all the major auto insurance companies actually pay money for the chance to quote your coverage. All you need to do is give them some information such as whether the vehicles are used for commuting, your general credit rating, types of safety features, and if a SR-22 is required. Your details is automatically sent to all major companies and they respond with quotes immediately.
To compare rates for a Hyundai Accent now, click here and enter the information requested.
Is there deception in advertising?
Auto insurance providers like State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. They all have a common claim of big savings if you switch your policy. How can each company make the same claim?
All companies have a preferred profile for the type of driver that earns them a profit. A good example of a driver they prefer might be profiled as a mature driver, has no prior claims, and has a short commute. A propective insured who fits that profile receives the best rates and as a result will probably cut their rates substantially.
Potential insureds who don’t qualify for this ideal profile must pay a higher premium which usually ends up with business not being written. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently advertise the savings. This illustrates why it is so important to get quotes from several different companies. It’s not possible to predict which insurance companies will provide you with the cheapest Hyundai Accent insurance rates.
Cut prices on Hyundai Accent insurance
Car insurance companies don’t list every discount very clearly, so the following is a list of some of the best known and the more hidden discounts you could be receiving.
- Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
- Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Accent coverage with a few insurance companies.
- College Student – Any of your kids who live away from home without a vehicle on campus can be insured at a reduced rate.
- Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
- Drive Safe and Save – Safe drivers may save up to 50% more on Accent coverage than drivers with accident claims.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
It’s important to understand that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
Insurance companies who might offer these money-saving discounts include:
- State Farm
- Farmers Insurance
Double check with each company what discounts are available to you. Some discounts might not be offered everywhere.
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Tailor your coverage to you
When buying the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can help discover if your situation would benefit from an agent’s advice.
- Should I drop comprehensive coverage on older vehicles?
- What if I don’t agree with a claim settlement offer?
- Am I covered if my car is in a flood?
- Where can I get insurance after a DUI in my state?
- Is my business laptop covered if it gets stolen from my vehicle?
- When do I need to add a new car to my policy?
- Do I need PIP coverage since I have good health insurance?
- Am I missing any policy discounts?
If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.
Car insurance coverage options for a Hyundai Accent
Learning about specific coverages of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like damage from flooding, a broken windshield, hail damage and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance
This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2014 Hyundai Accent.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Insurance for medical payments
Med pay and PIP coverage pay for immediate expenses such as pain medications, nursing services, prosthetic devices and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Auto collision coverage
This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like colliding with a tree, sideswiping another vehicle, hitting a parking meter, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.
This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.
Liability coverage pays for claims such as repair costs for stationary objects, pain and suffering, loss of income, medical services and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.
Online plus local equals savings
The cheapest 2014 Hyundai Accent insurance is attainable online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.
We just presented many ways to reduce insurance prices online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.
To learn more, feel free to browse the following helpful articles:
- Rollover Crash FAQ (iihs.org)
- Insurance Losses by Make and Model (iihs.org)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
Frequently Asked Questions
How can I find the cheapest insurance for my 2014 Hyundai Accent?
To find the cheapest insurance for your 2014 Hyundai Accent, consider the following steps:
- Shop around: Get quotes from multiple insurance providers to compare prices and coverage options. Online comparison websites can help streamline this process.
- Opt for a higher deductible: Choosing a higher deductible can lower your insurance premium, but keep in mind that you’ll have to pay more out of pocket in case of a claim.
- Maintain a good driving record: Having a clean driving record, without any accidents or traffic violations, can help you secure lower insurance rates.
- Explore discounts: Inquire about any available discounts such as multi-policy discounts, good student discounts, or discounts for safety features in your vehicle.
- Consider usage-based insurance: Some insurance providers offer programs where your premium is based on your driving habits. If you’re a safe driver, this could potentially result in lower rates.
Are there any specific insurance companies known for offering affordable coverage for a 2014 Hyundai Accent?
There are several insurance companies that may offer affordable coverage for a 2014 Hyundai Accent. However, it’s important to note that insurance rates can vary based on factors such as your location, driving history, and personal circumstances. It’s recommended to obtain quotes from different insurance providers to compare prices and determine which one offers the best coverage at an affordable price for your specific situation.
Are there any factors that can affect the cost of insurance for a 2014 Hyundai Accent?
Yes, there are various factors that can impact the cost of insurance for a 2014 Hyundai Accent. Some of the common factors include:
- Age and driving experience: Younger and less-experienced drivers often have higher insurance rates.
- Location: Insurance rates can vary based on your location due to factors like the crime rate, population density, and frequency of accidents in the area.
- Vehicle usage: The more you use your vehicle and the longer your daily commute, the higher your insurance rates may be.
- Driving record: Having a history of accidents or traffic violations can lead to higher insurance premiums.
- Coverage and deductible: The type and amount of coverage you choose, as well as the deductible you select, can affect your insurance costs.
What are some optional coverage types I should consider for my 2014 Hyundai Accent?
While the mandatory coverage for a vehicle typically includes liability insurance, you may also consider optional coverage types for your 2014 Hyundai Accent. These may include:
- Collision coverage: This covers damage to your vehicle resulting from a collision with another vehicle or object.
- Comprehensive coverage: This covers damage to your vehicle caused by non-collision events such as theft, vandalism, fire, or natural disasters.
- Uninsured/underinsured motorist coverage: This protects you in case you’re involved in an accident with a driver who has no insurance or insufficient insurance to cover the damages.
- Medical payments coverage: This covers medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.
How can I reduce the insurance costs for my 2014 Hyundai Accent?
Here are some tips to help reduce insurance costs for your 2014 Hyundai Accent:
- Maintain a good credit score: Some insurance companies consider credit scores when determining rates, so maintaining a good credit score can potentially lead to lower premiums.
- Install safety features: Adding safety features such as anti-theft devices, airbags, or anti-lock brakes to your vehicle can make it safer and may result in discounts on your insurance premium.
- Bundle policies: If you have multiple insurance needs, such as home and auto insurance, consider bundling them with the same insurance provider. Many companies offer discounts for bundling policies.
- Drive responsibly: Avoid accidents and traffic violations, as a clean driving record can help keep your insurance rates lower.
- Consider usage-based insurance: As mentioned earlier, some insurance providers offer usage-based insurance programs where your premium is based on your driving habits. If you’re a safe driver, this can potentially lead to lower rates.
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