1996 Hyundai Accent Insurance Rates – 9 Ways to Save

Trying to find lower insurance rates for your Hyundai Accent? Are you confused by the crazy number of insurance options? You’re not the only one! Consumers have so many choices that it can be more work than you anticipated to find the lowest price.

Save big with these nine discounts

Companies that sell car insurance don’t list all available discounts very clearly, so we researched some of the best known and also the lesser-known ways to save on car insurance.

  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% for Accent insurance.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Drive Less and Save – Low mileage vehicles can qualify you for a substantially lower rate.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more depending on where you live.
  • Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates on car insurance for Accent insurance.
  • No Claims – Drivers with accident-free driving histories pay less compared to drivers who are more careless.

It’s important to note that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

A partial list of companies that may have these money-saving discounts are:

Double check with every prospective company which discounts you may be entitled to. Savings may not be available everywhere.

Cheap Insurance Comparisons

The are a couple different ways of comparing price quotes from different insurance companies. One of the best ways to find the lowest 1996 Hyundai Accent rates consists of shopping online. This can be done in a couple of different ways.

  1. The recommended way to get quotes would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating a different quote for each company you want a rate for. One form will get you price quotes from multiple low-cost companies.It’s the quickest way to get rates.
  2. Another way to compare prices is to manually visit the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s assume you want to compare rates from Allstate, Esurance and American Family. You would have to go to every website to input your insurance information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The least recommended method of getting rate comparisons is to spend your day driving to local insurance agencies. Buying insurance online makes this process obsolete unless you want the professional guidance only provided by licensed agents. However, consumers can price shop your coverage online but still have the advice of a local agent and we’ll talk about that later.

However you get your quotes, be sure to compare identical quote information with each company. If you have mixed coverages it will be next to impossible to determine which rate is truly the best. Slightly different limits could mean much higher rates. Keep in mind that obtaining a wide range of quotes will increase your chances of finding a lower rate.

But I don’t know anything about car insurance

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • What can I do if my company denied a claim?
  • How much liability coverage do I need in my state?
  • Am I insured when driving a different vehicle?
  • Why am I required to buy liability insurance?
  • Where can I find DUI or SR-22 insurance?
  • Do I need roadside assistance coverage?
  • I have a DUI can I still get coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance coverages and their meanings

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Collision coverage – This pays for damage to your Accent from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability insurance – Liability insurance will cover damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like funeral expenses, emergency aid and medical services. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, a tree branch falling on your vehicle and damage from flooding. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical costs insurance – Med pay and PIP coverage pay for bills like funeral costs, chiropractic care, doctor visits and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Spend less. Save more.

We just presented some good ideas how you can reduce 1996 Hyundai Accent insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the most savings is with a smaller regional carrier.

Budget-conscious insurance is possible from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance coverage companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

When shopping online for insurance coverage, you should never skimp on coverage in order to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Much more information about insurance coverage is located at these links: