Texas consumers have many options when looking for low-cost Hyundai Accent insurance. You can either waste hours driving around getting price quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to find car insurance online so you’re going to learn the absolute fastest way to quote coverages for a new or used Hyundai and obtain the cheapest rates.
It’s a good habit to price shop coverage at least once a year because prices go up and down regularly. Just because you found the lowest rates on Accent coverage six months ago you may be paying too much now. So just forget anything you know (or think you know) about car insurance because we’re going to show you the fastest way to reduce your cost while increasing coverage.
Finding the best rates is not that difficult. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Texas drivers just need to understand the proper methods to buy car insurance online.
Lower rates by qualifying for these ten discounts
Companies that sell car insurance do not list every available discount very well, so we break down both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit you deserve, you’re paying more than you need to.
- Defensive Driving Course – Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
- Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
- Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
- Multiple Policy Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
- E-sign – Certain companies may give you up to $50 just for signing your application online.
- New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
- No Charge for an Accident – Certain companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
- Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
- Club Memberships – Belonging to a civic or occupational organization may earn a discount on car insurance on Accent coverage.
- Accident Free – Claim-free drivers can earn big discounts when compared with accident-prone drivers.
A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.
For a list of companies who offer car insurance discounts in Texas, click here.
How to Compare Car Insurance Costs in Texas
There are several ways to compare car insurance prices but there is one way that is less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get pricing more quickly.
Many popular insurance companies enroll in a system that enables customers to submit their information once, and each company can provide price quotes based on that information. This prevents consumers from doing repetitive form submissions to each individual car insurance company.
To fill out one form to compare multiple rates now click here to open in new window.
The only drawback to using this type of system is that consumers can’t choose the companies you want pricing from. If you would rather choose specific providers to request quotes from, we have a page of car insurance companies in Texas. Click here to view list.
Whichever way you use, make darn sure you compare the exact same quote information with every price quote. If you are comparing different liability limits it will be next to impossible to determine which rate is truly the best.
Car insurance coverage information
Having a good grasp of car insurance can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement.
Liability car insurance
This will cover damages or injuries you inflict on other people or property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, 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 coverage pays for things such as medical expenses, attorney fees, funeral expenses, pain and suffering and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Texas state minimum liability requirements are 30,000/60,000/25,000 but drivers should carry higher limits.
Comprehensive car insurance
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as hitting a bird, vandalism, hail damage and a broken windshield. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Hyundai Accent.
Due to the fact that many Texas drivers carry very low liability coverage limits (which is 30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Coverage for medical expenses
Med pay and PIP coverage pay for short-term medical expenses like prosthetic devices, chiropractic care and hospital visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. 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 not available in all states but can be used in place of medical payments coverage
Collision coverage protection
This coverage pays for damage to your Accent resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as colliding with a tree, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
More quotes mean more savings
Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, high prices and not issuing a premium refund. It doesn’t matter what your reason, switching companies is not as difficult as it may seem.
Lower-priced Hyundai Accent insurance can be bought from both online companies and also from your neighborhood Texas agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
Throughout this article, we presented many tips how you can get a better price on Hyundai Accent insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.