How Much Does 2021 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 the cheapest insurance coverage rates for your Hyundai Accent? Are you sick and tired of trying to scrape together enough money to pay high insurance coverage rates every month? Your situation is no different than many other drivers.

Big-name insurance companies like State Farm, Progressive and GEICO constantly blast consumers with advertising and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

If you currently have car insurance, you stand a good chance to be able to save some money using these tips. Finding the best rates is not rocket science. Nevertheless, vehicle owners do need to know the way insurance companies price online insurance and use this information to your advantage.

Components of your Hyundai Accent insurance costs

Many factors are considered when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, but some are more transparent such as whether you are married or your commute time. One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates, this enables informed choices that may result in much lower annual insurance costs.

  • Higher auto insurance rates for auto insurance policy lapses – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will you pay higher rates, failure to provide proof of insurance might get you fines or a revoked license.
  • Youthful drivers pay high rates – Drivers with little experience are statistically shown to be inattentive when driving therefore auto insurance rates are much higher. Older people have been proven to be more responsible, file fewer claims and tend to be get fewer driving tickets.
  • Good drivers pay less – Your driving citation history has a huge affect on how much you pay. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Having a single driving citation may increase your cost by twenty percent. Drivers with severe violations like DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state DMV in order to legally drive.
  • Do you work long hours in a demanding vocation? – Occupational choices like real estate brokers, business owners and stock brokers tend to have higher rates than the rest of us because of intense work requirements and incredibly demanding work hours. On the flip side, careers like professors, athletes and the unemployed have lower than average premiums for Accent coverage.
  • See if your company offers a multi-policy discount – The majority of insurers apply discounts to customers that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, consumers should still check prices from other companies to guarantee you are still saving the most.
  • Save money by eliminating extra coverages – There are quite a few extra bells and whistles that sound like a good idea at the time when buying auto insurance. Insurance for things like personal injury protection, towing coverage, and motor club memberships may be costing you every month. These may sound like a good investment when buying your policy, but your needs may have changed so remove them from your policy.
  • Save annual miles and save money – The more you drive your Hyundai each year the more you’ll pay to insure your vehicle. The majority of insurers charge rates determined by how the vehicle is used. Cars that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. A policy that improperly rates your Accent can result in significantly higher rates. It’s a smart idea to ensure your declarations sheet reflects the correct driver usage.

Lower-cost insurance coverage rates with discounts

Insurance coverage can be pricey, but you may find discounts to reduce the price significantly. Most are applied at the time of quoting, but some may not be applied and must be asked about before you get the savings.

  • Defensive Driver – Successfully completing a course in defensive driving may get you a small discount and also improve your driving technique.
  • Drivers Education – Teen drivers should take driver’s ed class in school.
  • ABS and Traction Control Discounts – Cars with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Student in College – Children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Discounts for Government Workers – Simply working for the federal government could provide a small rate reduction for Accent coverage with a few insurance coverage companies.
  • Senior Citizen Discount – Seniors could receive a small decrease in premiums for Accent coverage.
  • New Car Discount – Buying a new car instead of a used car can cost up to 25% less since new vehicles have better safety ratings.
  • Discount for Life Insurance – Larger insurance carriers have a discounted price on car insurance if you buy a life policy as well.
  • Discounts for Good Drivers – Drivers who avoid accidents may save up to 50% more for Accent coverage as compared to drivers with claims.
  • Clubs and Organizations – Being a member of qualifying employment or professional organizations could qualify you for a break on your policy.

Don’t be shocked that many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. But any discount will positively reduce your premiums.

Popular insurance coverage companies and some of their more popular discounts are included below.

  • Travelers offers discounts for hybrid/electric vehicle, early quote, home ownership, new car, multi-car, student away at school, and IntelliDrive.
  • 21st Century discounts include teen driver, theft prevention, air bags, student driver, and automatic seat belts.
  • State Farm may have discounts that include good driver, Steer Clear safe driver discount, anti-theft, good student, defensive driving training, and safe vehicle.
  • GEICO may offer discounts for driver training, defensive driver, daytime running lights, federal employee, and emergency military deployment.
  • SAFECO has savings for anti-lock brakes, teen safety rewards, drive less, homeowner, teen safe driver, bundle discounts, and multi-car.
  • AAA offers discounts including anti-theft, education and occupation, good student, good driver, multi-car, multi-policy, and pay-in-full.

When comparing rates, check with each insurance company which credits you are entitled to. Discounts may not be offered in your area. To find insurance coverage companies who offer discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • Am I covered when using my vehicle for business?
  • Can my teen drive my company car?
  • Is my 2021 Hyundai Accent covered for smoke damage?
  • If I drive on a suspended license am I covered?
  • Can I rent a car in Mexico?
  • Does car insurance cover theft of personal property?
  • What are the financial responsibility laws in my state?
  • How high should deductibles be on a 2021 Hyundai Accent?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance coverage breakdown

Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, hitting a deer, hail damage, fire damage and theft. The maximum amount your auto 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.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses such as hospital visits, doctor visits and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance can cover injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of 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 limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like structural damage, medical expenses, funeral expenses, legal defense fees and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Knowledge is power

When shopping online for insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, an insured cut uninsured motorist or liability limits and learned later that the savings was not a smart move. Your goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

Cheap 2021 Hyundai Accent insurance is attainable from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide internet price quotes and these regional carriers sell through local independent agencies.

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