Cheaper 1995 Hyundai Accent Insurance Rates

Want cheaper insurance rates for your Hyundai Accent? Nobody I know looks forward to paying for insurance, especially when their premiums are too high. There are many insurers to choose from, and though it is a good thing to have a choice, too many choices makes it more difficult to find the best rates.

Companies offer discounts so take them!

Auto insurance companies do not advertise every discount very clearly, so here is a list both the well known and the more hidden auto insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Resident Student – Children who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Passive Restraints and Air Bags – Cars that have air bags can get savings up to 30%.
  • Organization Discounts – Participating in a qualifying organization could trigger savings when buying auto insurance on Accent coverage.
  • Student Driver Training – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Homeowners Savings – Owning a house can save you money due to the fact that maintaining a home requires personal responsibility.
  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up online.

Drivers should understand that most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of insurance companies with discount auto insurance rates, click this link.

The quickest way to get rate comparisons is to understand most insurance companies provide online access to give you rate quotes. The only thing you need to do is give the companies some data including if it has an anti-theft system, your general credit rating, the make and model of your vehicles, and how much school you completed. Your information is automatically sent to many of the top insurers and you will get price comparisons instantly.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might help in determining whether or not you will benefit from professional help.

  • What are the best liability limits?
  • Do I have newly-aquired coverage?
  • Should I buy only the required minimum liability coverage?
  • Is my teenager covered with friends in the car?
  • What exactly is covered by my policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • When can I cancel my policy?
  • What discounts do I qualify for?
  • Do I need motorclub coverage?
  • Is my 1995 Hyundai Accent covered for smoke damage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Coverages available on your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as structural damage, medical services, court costs and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Hyundai Accent.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, a tree branch falling on your vehicle, damage from flooding and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses like pain medications, rehabilitation expenses, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Find Good Coverage for Less

Throughout this article, we presented a lot of tips how to compare 1995 Hyundai Accent insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even discover the lowest priced insurance coverage comes from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped liability limits or collision coverage to discover at claim time that it was a big mistake. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

More tips and info about insurance coverage can be read by following these links: