Are you looking for a better way to compare low-cost insurance rates in Phoenix, AZ? Phoenix buyers have lots of choices when searching for affordable Hyundai Accent insurance. You can either waste hours driving around to get rate comparisons or save time using the internet to make rate comparisons.
There are more efficient ways to find insurance online so we’re going to tell you the absolute fastest way to compare rates for a new or used Hyundai and locate the cheapest rates from both online companies and Phoenix agents.
It’s a good habit to compare premium rates quite often due to the fact that insurance prices go up and down regularly. Even if you think you had the best deal on Hyundai Accent insurance in Phoenix at your last renewal the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because you’re about to find out the things you must know in order to get good coverage on Hyundai Accent insurance in Phoenix at a lower rate.
If you have a current car insurance policy or just want to reduce your rates, use these money-saving tips to reduce the price you pay without reducing protection. This article will tell you how car insurance companies work and also save some money in the process Drivers just need to know the tricks to compare different rates from many different companies online.
Getting low cost car insurance pricing is actually easier than you may think. The only requirement is to spend a few minutes comparing rate quotes online from several insurance companies.
The companies shown below have been selected to offer free rate quotes in Phoenix, AZ. If the list has multiple companies, it’s highly recommended you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accent Blue 2-Dr Hatchback||$196||$320||$334||$20||$100||$970||$81|
|Accent GS 2-Dr Hatchback||$150||$290||$262||$16||$78||$796||$66|
|Accent GLS 4-Dr Sedan||$216||$620||$440||$26||$132||$1,434||$120|
|Accent SE 2-Dr Hatchback||$124||$326||$288||$18||$86||$842||$70|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in specific location information which can modify rates considerably.
Careless drivers pay higher rates
The chart below demonstrates how speeding tickets and accident claims impact Hyundai Accent insurance premiums for each age group. The premiums assume a single female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
Auto insurance rates based on gender in Phoenix
The information below visualizes the comparison of Hyundai Accent car insurance costs for male and female drivers. The premiums assume no accidents, no driving violations, full coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.
Lower rates by qualifying for these ten discounts
Some insurance providers don’t always list every discount available in a way that’s easy to find, so here is a list a few of the more common and also the more inconspicuous credits that may apply to you.
- First Accident Forgiveness – Not a discount per se, but companies like State Farm and Progressive will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a specific time period.
- Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may get savings of more than 20%.
- Good Drivers – Drivers without accidents can save up to 40% or more on their Phoenix car insurance quote than drivers with accident claims.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
- Organization Discounts – Belonging to a civic or occupational organization in Phoenix is a simple method to lower premiums when getting a Phoenix car insurance quote.
- Senior Discount – Drivers that qualify as senior citizens can possibly qualify for a small discount on rates.
- Federal Government Employee – Federal government employees may qualify for a discount when you quote Phoenix car insurance with some insurance companies.
- Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
- Student Driver Training – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
- Safety Course Discount – Completing a course that instructs on driving safety may get you a small discount depending on where you live.
It’s important to note that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky.
The best insurance companies and their possible discounts are detailed below.
- Farmers Insurance includes discounts for pay in full, switch companies, mature driver, business and professional, homeowner, teen driver, and good student.
- State Farm has discounts for good student, safe vehicle, anti-theft, passive restraint, defensive driving training, and multiple autos.
- Liberty Mutual offers discounts for new graduate, teen driver discount, new move discount, multi-car, and preferred payment discount.
- MetLife discounts include multi-policy, defensive driver, good driver, claim-free, good student, accident-free
- Progressive offers discounts including multi-policy, online signing, continuous coverage, homeowner, multi-vehicle, and good student.
If you need affordable Hyundai Accent insurance quotes, ask all the companies the best way to save money. Some credits might not be offered on policies in your state. To see a list of providers offering insurance discounts in Phoenix, click here to view.
Compare prices but work with a local Phoenix insurance agent
A small number of people prefer to sit down and talk to an agent. Professional agents can help you build your policy and help file insurance claims. A nice benefit of price shopping on the web is that drivers can save money and get cheap rate quotes and still buy from a local agent. Putting coverage with neighborhood insurance agencies is definitely important in Phoenix.
Upon completion of this simple form, the quote information is transmitted to local insurance agents in Phoenix who will give you bids to get your business. There is no need to leave your house due to the fact that quote results will go straight to your inbox. In the event you want to quote rates from a specific insurance company, you would need to find their quoting web page and fill out their quote form.
Listed below are agents in Phoenix that may be able to provide price quotes for Hyundai Accent insurance in Phoenix.
- Justin Crain – State Farm Insurance Agent
6146 N 35th Ave #103 – Phoenix, AZ 85017 – (602) 242-4141 – View Map
- UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
- Brian Stevens – State Farm Insurance Agent
21043 N Cave Creek Rd A12 – Phoenix, AZ 85024 – (602) 569-6600 – View Map
- Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
Choosing the best company shouldn’t rely on just a cheap quote. A good agent in Phoenix will have answers to these questions.
- How are claims handled?
- Does the agency have a current Errors and Omissions policy?
- Will the agent or a CSR service your policy?
- How often do they review policy coverages?
- Do they offer rental car reimbursement?
- What company holds the largest book of business for them?
Once you have received satisfactory answers as well as a affordable price, chances are good that you have found an insurance company that can be trusted to provide insurance coverage.
Different people need different insurance coverages
When it comes to coverage for your vehicles, there isn’t really a single plan that fits everyone. You are unique and your policy should reflect that.
Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.
- Is my trailer covered?
- Should I rate my vehicle as business use?
- Is a blown tire covered by insurance?
- What is covered by UM/UIM coverage?
- Does low annual mileage earn a discount?
- When can I cancel my policy?
- Can I get by with minimal medical coverage if I have good health insurance?
- Where can I find DUI or SR-22 insurance?
- Can I make deliveries for my home business?
- Who is covered by my policy?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Detailed coverages of your car insurance policy
Having a good grasp of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from car insurance companies.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like EMT expenses, X-ray expenses, surgery, chiropractic care and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like damage from a tornado or hurricane, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability insurance – This provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 15/30/10 that means you have a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against claims such as structural damage, medical services, funeral expenses and court costs. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford. Arizona state minimum liability requirements are 15/30/10 but you should consider buying more liability than the minimum.
Uninsured/Underinsured Motorist coverage – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Hyundai Accent.
Due to the fact that many Arizona drivers only purchase the least amount of liability that is required (which is 15/30/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Collision coverages – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as backing into a parked car, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible on your Accent to bring the cost down.
Don’t give up on cheap rates
When shopping online for insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage for the lowest cost, not the least amount of coverage.
We covered quite a bit of information on how to find cheaper Hyundai Accent insurance in Phoenix. 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 may even find the lowest premium rates are with the smaller companies. These companies may have significantly lower prices on certain market segments than their larger competitors like Progressive or GEICO.
Additional information can be read below:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has Cheap Phoenix Auto Insurance Quotes for a Ford Explorer? (FAQ)
- Who Has the Cheapest Phoenix Car Insurance Quotes for Active Military? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Credit Impacts Car Insurance Rates (State Farm)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)