2002 Hyundai Accent Insurance Quotes

Consumers who are new to the process of comparing insurance rates online can find finding low-cost insurance coverage quite difficult.

You need to check insurance coverage prices quite often because prices are constantly changing. If you had the best deal on Accent insurance on your last policy you can probably find a better price now. Ignore everything you know about insurance coverage because you’re about to learn the proper way to find great coverage at a great price.

Hyundai Accent rates are complex

Smart consumers have a good feel for the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Having a spouse can save you money – Getting married can actually save you money on car insurance. Having a spouse translates into being more mature than a single person and it’s proven that married couples file fewer claims.
  • Where you reside plays a part – Choosing to live in less populated areas has it’s advantages when it comes to car insurance. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • How credit affects car insurance rates – Having a bad credit score is a huge factor in determining your rates. If your credit is lower than you’d like, you could potentially save money when insuring your 2002 Hyundai Accent by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Rates may be lower depending on your job – Occupations like doctors, business owners and dentists tend to have the highest average rates due to job stress and long work hours. Other occupations like scientists, historians and retirees receive lower rates on Accent insurance.
  • Traffic citations inflate rates – Drivers with clean records tend to pay less for car insurance than bad drivers. Only having one speeding ticket may increase your cost by as much as thirty percent. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Higher deductibles cost less – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Hyundai. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and burglary. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more expense you are required to pay out-of-pocket, the less your car insurance will be on Accent insurance.
  • Liability coverage is peace of mind – Liability coverage is the coverage that protects you in the event that a court rules you are at fault for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.

Vehicle Insurance Comparison

Effectively comparing auto insurance prices can be a daunting task if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time talking to insurance agencies in your area, or you could use the internet to achieve your goal.

Many popular insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and every company then gives them pricing based on that information. This eliminates the need for quote requests to every company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to getting quotes like this is you can’t choose which insurance companies you want to price. So if you prefer to choose specific insurance companies to compare, we have a page of low cost auto insurance companies in your area. Click here to view list.

Whichever way you use, ensure you’re using apples-to-apples coverage information for every company. If the quotes have different values for each quote it’s impossible to make an equal comparison. Slightly different insurance coverages could mean much higher rates. Keep in mind that more quotes will improve the odds of getting the best price.

Cut your premium with discounts

Car insurance companies don’t always list all available discounts very well, so we took the time to find some of the best known as well as the least known savings tricks you should be using.

  • Accident Forgiveness – A few companies permit an accident before your rates go up if you are claim-free for a set time period.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on Accent insurance with select insurance companies.
  • Safety Course Discount – Taking part in a driver safety course could save 5% or more depending on where you live.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Low Mileage – Fewer annual miles on your Hyundai can qualify you for discounted rates on garaged vehicles.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current expiration date. It can save you around 10%.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • Multiple Policy Discount – If you have multiple policies with one company you will save 10% to 20% off each policy.
  • Multiple Vehicles – Insuring multiple vehicles on the same insurance coverage policy can get a discount on all vehicles.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.

For a list of providers offering insurance coverage discounts, click here to view.

What is the best insurance coverage?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • What should my uninsured motorist coverage limits be in my state?
  • How high should my medical payments coverage be?
  • Can I drive in Mexico and have coverage?
  • Can I afford low physical damage deductibles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving someone else’s vehicle?
  • When can I cancel my policy?
  • Are my friends covered when driving my car?
  • Should I buy additional glass protection?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage options for a 2002 Hyundai Accent

Understanding the coverages of insurance can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, a broken windshield, hail damage, damage from a tornado or hurricane and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, colliding with another moving vehicle, crashing into a building, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as pain medications, nursing services, surgery and funeral costs. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like medical expenses, loss of income and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

In Summary

The cheapest 2002 Hyundai Accent insurance can be sourced both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Insureds leave their current company for a variety of reasons including unfair underwriting practices, not issuing a premium refund, an unsatisfactory settlement offer and even high prices. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. In many cases, drivers have reduced liability limits or collision coverage only to regret that it was a big error on their part. Your focus should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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