View 2020 Hyundai Accent Car Insurance Rates 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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Searching for better auto insurance rates for your Hyundai Accent? Searching for lower priced auto insurance on the web may at first seem to be intimidating for vehicle owners who are new to price shopping over the internet. With dozens of companies, how can you even start to compare the different rates to find cheaper auto insurance rates?

How much is insurance?

Most larger insurance companies make it easy to get insurance quotes online. Getting prices online is pretty painless because you just enter your coverage preferences into a form. Once entered, the quote system collects reports for credit and driving violations and provides a quote based on these factors.

Online quotes streamlines rate comparisons, but the time it takes to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it is imperative to get many rate quotes in order to get the lowest price.

Quote rates the easy way

The easiest way to compare rates is to use a quote form that gets price quotes from several companies at one time. It saves time, eliminates form submissions, and makes online quotes much more efficient. Immediately after you send the form, it is quoted and you are able to buy any or none of the quotes returned.

If you find a better price you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and you will know how your current rates stack up.

To fill out one form to compare multiple rates now, simply enter your zip code here and begin entering your coverage information. To compare your current rates, we recommend you copy the insurance coverages exactly as shown on your declarations page. This guarantees you’re receiving a fair comparison for exact coverage.

Discounts for lower-cost insurance quotes

Insurance can be prohibitively expensive, but there could be available discounts that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but a few must be specially asked for before you will receive the discount.

  • Save over 55 – Drivers over the age of 55 may be able to get a discount up to 10% for Accent coverage.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your auto insurance quote.
  • Student Driver Training – Require your teen driver to complete a driver education course as it can save substantially.
  • Low Mileage Discounts – Maintaining low annual mileage could be rewarded with discounted rates on garaged vehicles.
  • More Vehicles More Savings – Drivers who insure all your vehicles with the same insurance company qualifies for this discount.
  • Own a Home – Owning your own home or condo can help you save on insurance because it requires personal responsibility.

You should keep in mind that some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Large insurance companies and some of their more popular discounts are outlined below.

  • Progressive offers discounts including good student, multi-vehicle, multi-policy, online quote discount, and online signing.
  • Farmers Insurance may include discounts for teen driver, switch companies, bundle discounts, mature driver, and pay in full.
  • Farm Bureau may have discounts that include good student, multi-policy, driver training, youthful driver, multi-vehicle, renewal discount, and 55 and retired.
  • State Farm offers premium reductions for accident-free, passive restraint, defensive driving training, safe vehicle, student away at school, and good student.
  • GEICO may offer discounts for seat belt use, membership and employees, driver training, air bags, good student, anti-theft, and defensive driver.
  • SAFECO has savings for drive less, teen safe driver, bundle discounts, accident prevention training, homeowner, anti-theft, and multi-car.
  • Liberty Mutual discounts include hybrid vehicle, exclusive group savings, new graduate, newly married, multi-car, and new move discount.

When quoting, ask all companies you are considering to apply every possible discount. Some discounts listed above might not apply in your state. If you would like to see a list of companies who offer free insurance quotes, enter your zip code here.

You may need specialized insurance coverage coverage

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • How much liability insurance is required?
  • Am I covered when using my vehicle for business?
  • Where can I find DUI or SR-22 insurance?
  • What are the best liability limits?
  • Are rental cars covered under my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • What should my uninsured motorist coverage limits be in my state?
  • Why am I required to buy high-risk coverage?
  • What can I do if my company won’t pay a claim?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete your zip code.

Insurance rate influencing factors

Many things are part of the calculation when you get your auto insurance bill. Most are fairly basic like an MVR report, although some other factors are less apparent like your vehicle usage or your financial responsibility. The best way to find cheaper car insurance is to take a look at the factors that aid in calculating the level of your policy premiums. If you understand what controls the rates you pay, this enables you to make decisions that can earn you lower car insurance prices.

  • Prices impacted by your city – Residing in smaller towns and rural areas of the country may provide you with better prices when insuring your vehicles. Fewer people means a lower chance of having an accident. Urban drivers tend to have more auto accidents and more time behind the wheel. Higher commute times means more chance of being in an accident.
  • Safer vehicles means better prices – Cars with five star safety ratings can get you lower premiums. Highly rated vehicles reduce injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates.
  • Deter theft and pay less – Driving a car with a theft deterrent system can save you some money. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your car from being stolen.
  • Too many claims and you’ll pay more – Insurance companies generally give better rates to policyholders who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Auto insurance is designed for major claims that would cause financial hardship.

Detailed coverages of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance will pay to fix damage to your Accent from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, colliding with a tree, crashing into a ditch, rolling your car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, surgery, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, a tree branch falling on your vehicle, fire damage, vandalism and falling objects. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Hyundai Accent.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Liability coverage

Liability insurance will cover damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different 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 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, legal defense fees, attorney fees and structural damage. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Buy online or local, you save

People change insurance companies for many reasons like being labeled a high risk driver, high prices, extreme rates for teen drivers and not issuing a premium refund. Regardless of your reason for switching companies, finding a new company is actually quite simple.

As you prepare to switch companies, never buy poor coverage just to save money. In many cases, an accident victim reduced physical damage coverage and learned later that it was a big mistake. Your goal is to find the BEST coverage at the best cost, but do not skimp to save money.

We just covered many ways to save on 2020 Hyundai Accent insurance. The key concept to understand is the more you quote auto insurance, the higher your chance of finding affordable auto insurance. Consumers may even find the lowest premium rates are with a lesser-known regional company.

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