View 1996 Hyundai Accent Car Insurance Quotes

Finding lower rates for insurance coverage is always hard for people who are new to shopping for insurance online. You have so many choices that it can be more work than you anticipated to find lower rates.

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All major insurance companies like 21st Century, Allstate and State Farm give insurance quotes online. Getting online rates is pretty easy as you just enter your required coverages as detailed in the form. When the form is submitted, the company’s rating system pulls your credit score and driving record and returns pricing information.

This makes comparing rates easy, but the time required to go to many different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find the best price on insurance.

Rate comparisons made easy

The easiest way to find cheaper rates utilizes a single form to obtain quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes quoting online much more enjoyable. As soon as the form is sent, it gets priced and you are able to buy any or none of the resulting price quotes.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes less than 15 minutes and can result in significant savings.

To save time and find out how much you’re overpaying now, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you replicate the coverage information as close as possible to your current policy. Using the same limits helps guarantee you’re receiving an apples-to-apples comparison using the same coverage and limits.

When should I use an insurance agent?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

• Am I covered when pulling a rental trailer?
• What is the minimum liability in my state?
• Can I drive in Mexico and have coverage?
• Should I buy only the required minimum liability coverage?
• What is an SR-22 filing?
• Do I get a pro-rated refund if I cancel my policy early?
• If my 1996 Hyundai Accent is totaled, can I afford another vehicle?
• Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Car insurance 101

Understanding the coverages of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability coverage – This coverage protects you from damages or injuries you inflict on people or other property. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as pain and suffering, emergency aid, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage – Collision insurance will pay to fix damage to your Accent resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, hitting a parking meter, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, a broken windshield, rock chips in glass and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, X-ray expenses, dental work and funeral costs. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Hyundai Accent.

Because many people only carry the minimum required liability limits, 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.