How Much Does 2012 Hyundai Accent Insurance Cost?

Finding better insurance prices for your Hyundai Accent can turn out to be difficult, but you can use the following methods to save time.

There is a better way to find insurance coverage online and we’ll show you the quickest way to get price quotes on a Hyundai and find the lowest possible price from local insurance agents and online providers.

Cheapest insurance coverage price quotes

Shopping for lower insurance coverage rates can be a lot of work if you don’t utilize the best way to get rate quotes. You can waste a lot of time talking about coverages with agents in your area, or you could save time and use the web to quickly compare rates.

Many of the larger companies take part in a program that allows shoppers to submit their information once, and each company returns a competitive quote based on that data. This system prevents you from having to do form submissions to every company. To compare pricing click to open in new window.

The one downside to doing it this way is you don’t know exactly the providers to get quotes from. So if you want to choose specific insurance companies to compare, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, try to keep the same information for each price quote. If the quotes have mixed coverages it will be next to impossible to decipher which rate is best.

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How your Accent insurance prices are determined

Consumers need to have an understanding of some of the factors that come into play when calculating the price you pay for car insurance. When consumers understand what controls the rates you pay, this helps enable you to make changes that may reward you with much lower annual insurance costs.

The factors shown below are some of the items car insurance companies consider when setting premiums.

• Credit history impacts premium rates – A driver’s credit history will be a significant factor in determining what you pay for car insurance. So if your credit history can use some improvement, you may save money insuring your 2012 Hyundai Accent by repairing your credit. Insureds that have excellent credit tend to be better risks to insure than drivers with poor credit.
• Buy as much liability protection as you can afford – A critical coverage on your policy, liability insurance provides coverage in the event that you are found to be at fault for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
• How’s your driving record? – Getting just one ticket may cause rates to rise substantially. Drivers with clean records get better rates compared to drivers with tickets. Drivers who have gotten severe violations such as DUI or reckless driving might be required by their state to maintain a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
• Lower rates for vehicles with better crash test results – Vehicles that have high safety ratings get lower rates. Vehicles engineered for safety result in less severe injuries and fewer injuries means lower claim amounts and cheaper rates on your policy. If your Hyundai earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Older drivers pay less – Young drivers are proven to be less responsible behind the wheel and because of this, their car insurance rates are much higher. More mature drivers tend to be more responsible, are lower risk to insure .
• More people means more accidents – Choosing to live in areas with lower population has definite advantages when talking about car insurance. City drivers have to deal with more road rage incidents and longer commute times. Fewer people means a lower chance of having an accident in addition to fewer liability claims.
• Low comp and collision deductibles can be expensive – The deductibles define the amount you are required to spend if you file a covered claim. Coverage for physical damage, aka comp and collision, insures against damage to your car. Some coverage claims are colliding with a stationary object, animal collisions, or theft of your vehicle. The more money you’re willing to pay, the less money you will pay for car insurance on Accent coverage.
• Discounts for married couples – Having a spouse may save some money on car insurance. Marriage generally demonstrates drivers are less irresponsible and it’s proven that being married results in fewer claims.

Get cheaper rates with these discounts

Insurance can cost an arm and a leg, but there are discounts available that could help you make your next renewal payment. Certain credits will be shown at the time of quoting, but lesser-known reductions have to be specifically requested prior to getting the savings.

• Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off the PIP or medical payment premium.
• Telematics Discount – Drivers who agree to allow driving data submission to study vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot could see a rate decrease if their driving habits are good.
• Active Military Service – Being on active duty in the military could mean lower car insurance rates.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
• Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your car insurance quote.
• Good Grades Discount – Getting good grades can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Passenger Safety Discount – Cars that have air bags or automatic seat belts may get savings of 20 to 30 percent.
• Accident Forgiveness Coverage – Not really a discount, but a few companies such as Allstate, State Farm and Geico may permit one accident without the usual rate increase if your claims history is clear before the accident.
• Discounts for Government Workers – Active or former government employment can earn a discount up to 10% on Accent coverage depending on your company.
• Drivers Education – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.

As a sidenote, most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies that possibly offer these benefits include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

When comparing rates, check with each company or agent which discounts they offer. Some discounts might not be offered everywhere. To view car insurance companies offering car insurance discounts, click here.

Insurance can be complex

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions can help discover if you would benefit from an agent’s advice.

• What are the best liability limits?
• Am I covered when driving someone else’s vehicle?
• Should I buy only the required minimum liability coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I need replacement cost coverage on my 2012 Hyundai Accent?
• Exactly who is provided coverage by my policy?
• Can I still get insurance after a DUI?
• Should I buy additional glass protection?
• Do I pay less if my vehicle is kept in my garage?
• What is roadside assistance coverage?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

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Insurance coverages 101

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like doctor visits, pain medications, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage will cover damage or injury you incur to other people or property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like emergency aid, pain and suffering, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Hyundai Accent.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

A tidy conclusion

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. In many cases, drivers have reduced collision coverage only to regret they didn’t purchase enough coverage. Your aim should be to buy enough coverage for the lowest cost and still be able to protect your assets.

Some insurance companies may not offer online price quotes smaller providers only sell coverage through independent agencies. Budget-friendly insurance is definitely available both online in addition to local insurance agencies, so compare prices from both in order to have the best chance of saving money.

You just learned many tips how you can get a better price on 2012 Hyundai Accent insurance. It’s most important to understand that the more times you quote, the higher your chance of finding the cheapest car insurance. Consumers could even find that the biggest savings come from a lesser-known regional company.

More articles

• Vehicle Safety Ratings (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• All About Airbag Safety (State Farm)
• Safe Vehicles for Teens (iihs.org)
• Insurance Losses by Make and Model (iihs.org)

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