1998 Hyundai Accent Car Insurance Quotes – 5 Tips to Save

Searching for cheaper car insurance rates for your Hyundai Accent? I can’t think of anyone who cherishes buying car insurance, particularly when their premiums are through the roof.

Since consumers have many different company options, it’s nearly impossible to find the best insurer.

Free Quotes for Insurance

To find the best insurance prices, there are several ways to compare rate quotes from local insurance companies. The simplest method to find the lowest 1998 Hyundai Accent rates involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

1. The best way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This form keeps you from doing repetitive form entry for each company. A single form will get you rate comparisons direct from many companies.
2. A different way to get quotes online consists of going to the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll pretend you want rates from Auto-Owners, Allstate and American Family. You would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverage limits for every quote you compare. If you enter higher or lower deductibles then you won’t be able to find the best deal for your Hyundai Accent. Just a small difference in coverages may result in large price differences. Just remember that quoting more gives you a better chance of getting a lower rate.

Are you getting all your discounts?

Companies don’t always list all their discounts in a way that’s easy to find, so here is a list some of the more common as well as the least known auto insurance savings.

• Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
• Student in College – Kids in college living away from home attending college and do not have a car can be insured at a reduced rate.
• Good Student – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.

Keep in mind that most credits do not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

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

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation could use an agent’s help.

• Can I still get insurance after a DUI?
• When should I drop full coverage on my 1998 Hyundai Accent?
• Should I have a commercial auto policy?
• Does my car insurance cover rental cars?
• What is the minimum liability in my state?
• How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a 1998 Hyundai Accent

Understanding the coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Hyundai Accent.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability coverages

This will cover injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability 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 total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as repair costs for stationary objects, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, hitting a bird, theft, damage from getting keyed and fire damage. The highest amount a 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.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for things like pain medications, ambulance fees and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

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

Collision coverage pays for claims like crashing into a ditch, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.