Lower Your 2019 Hyundai Accent Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 3, 2024

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Looking for lower insurance coverage rates for your Hyundai Accent? When searching for cheaper insurance, do you get overwhelmed by the sheer number of insurance coverage choices in your area? drivers have so many choices to choose from that it is hard work to find the perfect company for you.

You need to compare prices on a regular basis because insurance coverage prices are usually higher with each renewal. If you had the best deal for Accent insurance a few years ago you can probably find a better rate quote now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to use the internet to find better coverage at a better price.

Buying car insurance is not that difficult. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. But drivers should learn how companies sell insurance online because it can help you find the best coverage.

Learn how to buy auto insurance at a discount

Lots of factors are used in the calculation when you get a price on insurance. Most are fairly basic like your driving record, although some other factors are less obvious like your continuous coverage or your financial responsibility. Smart consumers have a good feel for some of the elements that are used to determine the rates you pay for auto insurance. If you know what determines base rates, this allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • High credit rating translates to low rates – Credit rating is likely to be a major factor in your rate calculation. If your credit is low, you could potentially save money when insuring your 2019 Hyundai Accent by improving your credit score. Drivers who have excellent credit scores tend to be better risks to insure as compared to drivers with worse credit.
  • Big cities have higher rates – Living in small towns and rural areas has it’s advantages when buying auto insurance. City drivers have to deal with congested traffic and more time behind the wheel. Less people living in that area means less chance of accidents as well as less vandalism and auto theft.
  • Cheaper to insure women? – Statistics demonstrate women tend to be less risk to insure than men. The data does not necessarily mean that men are worse drivers. They both have fender benders in similar numbers, but males get into accidents with more damage. Men also get ticketed for serious violations like reckless driving and DUI. Young men ages 16 to 20 are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Consolidate home and auto and save – The majority of auto insurance companies give lower prices to policyholders that purchase more than one policy such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even though this discount sounds good, you may still want to compare rates to make sure you are getting the best deal. There is a good possibility that you can find lower rates by buying from different companies.
  • What’s your car’s IIHS safety rating? – Safer cars tend to have better insurance rates. These vehicles help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies which can mean better rates for you. If the Hyundai Accent is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Lower rates by qualifying for discounts

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but some discounts are required to be specially asked for before you will receive the discount.

  • Low Mileage Discounts – Keeping the miles down on your Hyundai can earn lower prices on the low mileage vehicles.
  • Telematics Devices – Drivers who agree to allow their insurance coverage company to monitor their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
  • Life Insurance Discount – Some insurance companies give a discounted rate on car insurance if you buy a life insurance policy as well.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may earn at least 10 to 15 percent or more.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Accent insurance compared to accident prone drivers.
  • Senior Discount – Drivers that qualify as senior citizens are able to get a slight reduction on a auto insurance quote for Accent insurance.
  • Homeowners Pay Less – Owning a home can help you save on insurance coverage because of the fact that having a home requires a higher level of personal finance.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, that’s just not realistic. But any discount will lower your insurance coverage premiums.

Companies and a selection of discounts are detailed below.

  • 21st Century policyholders can earn discounts including defensive driver, 55 and older, theft prevention, automatic seat belts, homeowners, and driver training.
  • Progressive has discounts for online quote discount, continuous coverage, online signing, homeowner, and multi-policy.
  • State Farm may have discounts that include Drive Safe & Save, anti-theft, safe vehicle, student away at school, good driver, and defensive driving training.
  • Nationwide offers premium reductions for accident-free, Farm Bureau membership, easy pay, defensive driving, family plan, and anti-theft.
  • Esurance may offer discounts for multi-policy, online quote, renters, Pac-12 alumni, online shopper, and multi-car.
  • The Hartford has savings for anti-theft, defensive driver, vehicle fuel type, driver training, and good student.

Check with each insurance company which discounts they offer. Some of the discounts discussed earlier may not be available in every state. If you would like to choose from a list of insurance companies that offer the discounts shown above, enter your zip code here.

Insurance coverage is unique, just like you

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

  • Is a new car covered when I drive it off the dealer lot?
  • What can I do if my company won’t pay a claim?
  • Where can I get insurance after a DUI in my state?
  • Do I need more liability coverage?
  • What if I don’t agree with a claim settlement offer?
  • How much liability insurance is required?
  • Does insurance cover tools stolen from my truck?
  • Are my friends covered when driving my 2019 Hyundai Accent?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out your zip code.

Car insurance coverages and their meanings

Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses like dental work, surgery, nursing services and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision coverage will pay to fix damage to your Accent from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, hitting a mailbox, scraping a guard rail, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from getting keyed and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages – This can cover injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability insurance covers things like attorney fees, bail bonds, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Hyundai Accent.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

More choices the merrier

We just presented quite a bit of information on how to get a better price on 2019 Hyundai Accent insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the biggest savings come from the least-expected company.

Some insurance companies may not have online rate quotes regional insurance providers work with independent insurance agents. The cheapest 2019 Hyundai Accent insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis.

While you’re price shopping online, do not reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

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