Lower Your 2016 Hyundai Accent Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 20, 2019

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Looking for lower auto insurance rates for your Hyundai Accent? Do you think you bought an overpriced auto insurance policy? Don’t sweat it because many drivers have buyer’s remorse. You have so many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, more options can take longer to get the best deal.

You may qualify for discounts

Some companies don’t always list all possible discounts in an easy-to-find place, so here is a list some of the more common and also the lesser-known discounts that may be available.

  • Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control have fewer accidents and will save you 10% or more.
  • Memberships – Having an affiliation with certain professional organizations could earn you a nice discount on your next auto insurance statement.
  • Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Early Switch Discount – Some auto insurance companies give discounts for renewing your policy before your current policy expires. This discount can save up to 10%.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Own a Home and Save – Owning a house can get you a discount since owning and maintaining a home is proof of financial responsibility.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will cut your policy premiums.

For a list of insurers with discount auto insurance rates, click this link.

Shop car insurance online

Most larger insurance companies provide coverage price quotes online. The process is fairly simple as you simply enter your coverage information into the quote form. Upon sending the form, the quote system makes automated requests for your driving and credit reports and generates pricing information based on many factors. Online price estimates makes it simple to compare prices but the time it takes to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to do this in order to find lower prices.

The quickest way to compare rates is to use a quote form that gets price quotes from several companies at one time. This type of form saves time, eliminates form submissions, and makes online shopping a lot less work. After sending your information, it is quoted and you are able to buy your choice of the price quotes you receive.

If you find a better price it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.

To use this form to compare rates, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you duplicate the insurance coverages identical to your current policy. This makes sure you are getting rate comparison quotes for the exact same coverage.

There’s no such thing as the perfect car insurance policy

When buying adequate coverage, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover if you might need professional guidance.

  • Should I buy full coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I getting all the discounts available?
  • Do I have coverage when using my vehicle for my home business?
  • If I drive on a suspended license am I covered?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How can I get my company to pay me more for my totalled car?
  • Is my teen driver covered when they drive my company car?
  • Am I insured when driving a different vehicle?
  • What vehicles should carry emergency assistance coverage?

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If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance 101

Learning about specific coverages of insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Liability auto insurance – Liability coverage can cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, medical expenses and legal defense fees. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like surgery, doctor visits, rehabilitation expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision – This covers damage to your Accent caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2016 Hyundai Accent.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, damage from a tornado or hurricane and vandalism. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Don’t be a big spender

More affordable car insurance can be bought on the web and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies do not offer internet price quotes and most of the time these smaller companies only sell coverage through independent agents.

You just read many ways to lower your 2016 Hyundai Accent insurance premium rates. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. Drivers may discover the lowest premium rates come from an unexpected company. Smaller companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm, GEICO and Nationwide.

Other resources

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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