How Much Does 2018 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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Trying to find cheaper auto insurance rates for your Hyundai Accent? Nobody looks forward to paying premiums for auto insurance, in particular when the cost is too high. Since consumers have many choices of insurance companies, it is very difficult to choose a more affordable insurer.

It’s a good idea to compare rates before your policy renews because rates fluctuate regularly. If you had the best deal on Accent coverage on your last policy the chances are good that you can find a lower price today. Block out anything you think you know about auto insurance because you’re about to find out the fastest and easiest way to find the best coverage while lowering your premiums.

Locating the cheapest insurance is not that difficult. If you have a policy now or need a new policy, you can use these techniques to find the best rates and still get good coverage. Consumers just need to understand the most effective way to compare rates on the web.

Compare insurance rate quotes online

Cutting your insurance rates can be relatively painless. Drivers just need to take the time comparing rates provided by online insurance companies. Insurance prices can be quoted by following the guidelines below.

  1. The first (and easiest) way consumers can make multiple comparisons is a comparison rater form. This form prevents you from having to do repetitive form submissions for each price estimate. A single form gets you price quotes direct from many companies.
  2. A slightly less efficient method to find better pricing is spending the time to visit each company website and repeat the quote process again and again. For sake of this example, let’s say you want rates from GEICO, Liberty Mutual and Travelers. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.
  3. Even if you have time, the least recommended way to price shop rates is driving around to different agent offices. Comparing rates online eliminates this option unless you want the professional guidance of a licensed agent. If you prefer, some companies allow you to price shop your coverage online and still use a local agent.

Whichever method you choose, double check that you are using apples-to-apples coverages and limits for each comparison quote. If the quotes have differing limits it will be nearly impossible to determine which company has the best rates.

Drivers can save with these discounts

Car insurance companies don’t always advertise the entire discount list very well, so the following list contains both the well known and also the lesser-known credits that may apply to you.

  • Auto/Life Discount – If the company offers life insurance, you could get lower premium rates if you buy a life insurance policy as well.
  • Accident Forgiveness – Not really a discount, but a handful of insurance companies will forgive one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
  • Student in College – Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
  • Senior Discount – Seniors may qualify for a discount up to 10% on Accent coverage.
  • Driver Education Discount – Teen drivers should enroll in driver’s education in school or through a local driver safety program.
  • Professional Organizations – Affiliation with certain professional organizations could trigger savings on your policy.
  • Own a Home – Owning a home can get you a discount since home ownership demonstrates responsibility.
  • Cautious Driver Discount – Insureds without accidents can save up to 40% or more on their auto insurance quote on Accent coverage as compared to drivers with claims.
  • Military Discounts – Having a family member in the military may lower your car insurance rates slightly.

Consumers should know that most discount credits are not given to the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The best car insurance companies and some of the premium reductions they offer are included below.

  • GEICO may include discounts for anti-lock brakes, seat belt use, multi-vehicle, defensive driver, daytime running lights, anti-theft, and air bags.
  • MetLife may offer discounts for claim-free, multi-policy, accident-free, good student, good driver, defensive driver
  • Progressive may have discounts that include good student, multi-policy, multi-vehicle, continuous coverage, and online signing.
  • Travelers offers premium reductions for save driver, early quote, new car, multi-car, and home ownership.
  • SAFECO discounts include anti-theft, teen safe driver, accident prevention training, bundle discounts, safe driver, and drive less.
  • AAA policyholders can earn discounts including multi-policy, good student, AAA membership discount, education and occupation, pay-in-full, and good driver.

If you need the cheapest auto insurance quotes, ask every prospective company which discounts you qualify for. A few discounts might not be offered in your area. To see a list of insurers with the best discounts, enter your zip code here.

Special considerations

When choosing the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might point out whether you would benefit from professional advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when using my vehicle for business?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I buy additional glass protection?
  • Should I rate my 2018 Hyundai Accent as pleasure use or commute?
  • When can I cancel my policy?
  • How does medical payments coverage work?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, free and may give you better protection.

Learn how to get car insurance more affordably

When buying car insurance it’s important to understand the factors that come into play when calculating your car insurance rates. If you have a feel for what impacts premium levels, this enables informed choices that may result in big savings.

Shown below are a few of the things utilized by car insurance companies to help set your prices.

  • Where you reside is a factor – Residing in small towns and rural areas may provide you with better prices when trying to find low car insurance rates. Fewer drivers means reduced accidents as well as less vandalism and auto theft. People in densly populated areas have traffic congestion and more severe claims. More time behind the wheel means a statistically higher chance of an accident.
  • Insure your auto and home with one company – Most car insurance companies afford discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. The discount can add up to 10 percent or more. If you currently are using one company, it’s in your best interest to get quotes from other companies to confirm you are receiving the best rates possible. Consumers may save money by buying insurance from more than one company.
  • Vehicle theft costs us all – Buying a car with anti-theft technology or alarm system can get you a discount on your car insurance. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft and help lower rates.
  • Low physical damage deductibles cost more – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some coverage claims would be a dented fender, hail damage, and having your car stolen. Deductibles for physical damage are how much the insured will be required to pay in the event of a claim. The more the insured is willing to pay, the less your car insurance will be on Accent coverage.
  • Too many claims and you’ll pay more – Insurance companies provide lower rates to people who only file infrequent claims. If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance is designed for larger claims.

Can you really save that much by switching?

Consumers get pounded daily by advertisements for car insurance savings from companies such as State Farm and Allstate. All the ads seem to make the promise about how much you will save just by switching your coverage to them.

How does every car insurance company give you a lower rate?

Most companies can use profiling for the type of insured that will be a good risk. A good example of a profitable customer could possibly be over the age of 50, has few claims, and drives a lower-performance vehicle. A customer getting a price quote that hits that “sweet spot” will get the preferred prices and will most likely save a lot of money.

People who are not a match for the requirements may receive higher rates and this can result in the prospect going elsewhere. The ads say “drivers who switch” not “everybody who quotes” save money. This is how insurance companies can lure you into getting a quote.

Because of the profiling, you need to compare free auto insurance quotes often. It is just not possible to predict the company that will have the best rates.

Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Liability – Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, structural damage, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive or Other Than Collision – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, damage from a tornado or hurricane, hitting a deer, damage from getting keyed and hail damage. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Collision coverages – Collision insurance covers damage to your Accent from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as funeral costs, EMT expenses and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Smart shoppers get results

Lower-priced insurance is available online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not offer rates over the internet and these smaller companies only sell through independent agencies.

When trying to cut insurance costs, you should never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced collision coverage only to find out that they should have had better coverage. Your objective should be to get the best coverage possible at the best cost, but do not skimp to save money.

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