2012 Hyundai Accent Insurance Quotes 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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Wish you could get out of an expensive auto insurance policy? Don’t feel bad because there are a lot of people just like you who feel imprisoned by their auto insurance policy. Due to the increasing number of companies and agents to choose from, it is hard for the average consumer to find the lowest cost company.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you should be able to cut costs considerably using these techniques. Consumers only need an understanding of the tricks to shop their coverage around online.

Don’t overlook these auto insurance discounts

Some insurers don’t list every available discount in a way that’s easy to find, so the following list contains a few of the more common as well as some of the hidden auto insurance savings.

  • Discounts for Responsible Drivers – Safe drivers may save up to 50% more for Accent insurance compared to accident prone drivers.
  • Federal Employees – Simply working for the federal government may reduce rates when you quote auto insurance for Accent insurance depending on your company.
  • Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
  • Senior Discount – Seniors can possibly qualify for a discount up to 10% for Accent insurance.
  • Defensive Driving Course – Participating in a driver safety course could save 5% or more and make you a better driver.
  • Drivers Education – Require your teen driver to enroll and complete driver’s education if it’s offered in school.
  • Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Sign Early and Save – Some auto insurance companies reward drivers for switching policies before your current policy expires. You can save around 10% with this discount.
  • Telematics Data Discounts – Drivers who elect to allow driving data collection to monitor vehicle usage by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they show good driving skills.
  • Claim-Free Discount – Claim-free drivers can earn big discounts in comparison to frequent claim filers.

A little disclaimer on discounts, some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, you won’t be that lucky.

For a list of auto insurance companies who offer discounts, enter your zip code here.

How your Accent insurance rates are determined

Part of the auto insurance buying process is learning some of the factors that are used to determine your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that will entitle you to lower rates. Many different elements are considered when premium rates are determined. Most are fairly basic such as your driving history, although others are less apparent like your continuous coverage and annual miles driven.

  • Only buy what you need – Policies have optional add-on coverages that can add up on your Accent policy. Coverage for things like replacement cost coverage, high-cost glass coverage, and extra life insurance coverage are some examples. You may think they are a good idea at first, but your money might be better spent on other coverage so get rid of them and save.
  • Discounts for married drivers – Being married may cut your premiums when buying auto insurance. It usually means you are more mature and responsible and statistics show being married results in fewer claims.
  • Know your credit rating – An insured’s credit rating is a big factor in calculating your auto insurance rates. Drivers with excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with lower ratings. If your credit rating can use some improvement, you could save money insuring your 2012 Hyundai Accent by taking the time to improve your credit score.
  • Safety ratings are a factor – Vehicles that have high safety ratings get lower rates. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies which can mean better rates for you. If your Hyundai Accent scored better than four stars on Safercar.gov you may be receiving a better rate.
  • Experienced drivers save more – Teen drivers are statistically shown to get distracted easily when driving with friends and because of this, their auto insurance rates are much higher. If you’ve ever had to add a young driver onto a policy can break the bank. Mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Rates and your address – Residing in less populated areas can be a good thing when shopping for auto insurance. Urban drivers have to deal with more aggressive driving styles and longer commute times. Lower population translates into fewer accident claims and lower theft and vandalism rates.

When to get professional advice

When it comes to buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out if your situation will benefit from professional help.

  • Is my custom paint covered by insurance?
  • When should my teen driver be added to my policy?
  • Is my babysitter covered when using my vehicle?
  • When do I need to add a new car to my policy?
  • If I drive on a suspended license am I covered?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Learn about car insurance coverages for a Hyundai Accent

Having a good grasp of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2012 Hyundai Accent.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for funeral costs, prosthetic devices, chiropractic care, EMT expenses and dental work. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, legal defense fees, funeral expenses, court costs and attorney fees. How much coverage you buy is up to you, but you should buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This coverage will pay to fix damage to your Accent from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, rolling your car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Save your hard earned cash

We just presented many tips how you can get a better price on 2012 Hyundai Accent insurance. The key thing to remember is the more companies you get prices for, the better likelihood of getting low cost auto insurance. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an insured cut comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best cost, but do not skimp to save money.

Cheaper auto insurance is possible both online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies may not offer the ability to get a quote online and most of the time these small insurance companies work with local independent agencies.

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