How long have you put off shopping around for lower-priced Hyundai Accent insurance in Tucson? Nobody that owns a car looks forward to paying premiums for car insurance, in particular when the price is too high.
It’s an obvious conclusion that car insurance companies don’t want their customers to go rate shopping. Consumers who shop around are inclined to switch car insurance companies because there is a good chance of finding lower rate quotes. A recent survey discovered that people who routinely shopped around saved on average $72 a month compared to people who didn’t regularly shop around.
If finding the most affordable auto insurance in Tucson is your ultimate objective, learning how to quote and compare insurance can make the process less intimidating.
Steps to finding low-cost Hyundai Accent insurance in Tucson
The best way we recommend to get more affordable car insurance rates is to regularly compare price quotes from different companies who sell insurance in Tucson. Rate comparisons can be done by following these steps.
- Learn about what coverages are included in your policy and the things you can control to drop your rates. Many things that result in higher prices like careless driving and a negative credit history can be rectified by making minor changes to your lifestyle.
- Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can provide price quotes from multiple companies.
- Compare the new rate quotes to your existing rates to see if cheaper Accent coverage is available. If you can save some money and change companies, make sure coverage is continuous and does not lapse.
- Tell your current agent or company of your intent to cancel your current car insurance policy and submit a completed policy application and payment to your new insurance company. When you receive it, place your new certificate of insurance in your vehicle’s glove compartment or console.
A valuable tip to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on each quote and and to get rate quotes from as many companies as you can. Doing this helps ensure a fair price comparison and a good representation of prices.
Online insurance companies like Allstate, Liberty Mutual and State Farm continually hit you with catchy ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.
If you have a current auto insurance policy, you will definitely be able to lower your rates using the ideas covered in this article. Locating the most cost-effective auto insurance policy in Tucson is really quite easy. But Arizona consumers benefit from understanding the way companies market on the web and apply this information to your search.
When comparison shopping, having more price comparisons provides better odds of finding the best rates. Not every company provides price estimates online, so it’s recommended that you also compare rates from them as well.
The providers in the list below can provide free quotes in Arizona. If multiple companies are listed, it’s a good idea that you visit several of them to get the lowest price.
Save money with these discounts
Some insurance providers do not list every discount in an easy-to-find place, so the following is a list of a few of the more well known as well as some of the hidden credits available to bring down your rates. If you don’t get every credit available, you may be paying too high a price.
- Low Mileage – Keeping the miles down on your Hyundai could earn substantially lower prices.
- No Claims – Drivers with accident-free driving histories get the best insurance rates when compared to bad drivers.
- Driver Safety – Completing a course that instructs on driving safety is a good idea and can lower rates if you qualify.
- Full Payment Discount – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
- Student Discount for Driver Training – Have your child participate in a local driver’s education class if it’s offered in school.
- Discounts for New Vehicles – Buying a new car model can save up to 30% since newer vehicles have better safety ratings.
- Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.
One last thing about discounts, most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount will help lower your policy premiums.
The information below visualizes the comparison of Hyundai Accent insurance rates with and without discounts applied. The data is based on a female driver, no accidents or driving violations, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, claim-free, and homeowner discounts applied.
Popular insurance companies and some of the discounts are:
- State Farm may offer discounts for Drive Safe & Save, anti-theft, defensive driving training, driver’s education, and passive restraint.
- Nationwide may include discounts for business or organization, family plan, anti-theft, good student, and Farm Bureau membership.
- GEICO offers discounts including multi-policy, five-year accident-free, membership and employees, anti-lock brakes, multi-vehicle, and anti-theft.
- AAA has savings for multi-car, AAA membership discount, good driver, good student, anti-theft, and education and occupation.
- 21st Century discounts include early bird, teen driver, defensive driver, automatic seat belts, theft prevention, homeowners, and driver training.
- The Hartford has discounts for vehicle fuel type, bundle, anti-theft, defensive driver, and good student.
Before purchasing a policy, check with all companies you are considering which discounts you qualify for. Discounts might not be offered on policies in Tucson. For a list of insurance companies who offer online Hyundai Accent insurance quotes in Arizona, click this link.
Rate information and statistics
The premium information shown next outlines a range of insurance policy prices for Hyundai Accent models. Having a better idea how insurance quotes are figured can help you make smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accent Blue 2-Dr Hatchback||$134||$272||$244||$14||$74||$738||$62|
|Accent GS 2-Dr Hatchback||$158||$332||$244||$14||$74||$822||$69|
|Accent GLS 4-Dr Sedan||$158||$390||$326||$20||$98||$992||$83|
|Accent SE 2-Dr Hatchback||$180||$450||$244||$14||$74||$962||$80|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in zip code location which can lower or raise coverage rates noticeably.
How accidents and violations affect rates in Tucson
The example below shows how speeding tickets and at-fault claims can affect Hyundai Accent auto insurance costs for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
Comparison of full coverage and liability-only policies
The chart below illustrates the comparison of Hyundai Accent car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rates are based on no accidents or driving violations, $500 deductibles, single marital status, and no discounts are taken into consideration.
When to eliminate full coverage
There is no written rule for excluding physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Hyundai Accent settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $4,000 after the deductible is paid. If it’s costing in excess of $400 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some situations where only buying liability is not recommended. If you haven’t satisfied your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
The Hyundai Accent Insurance Rate Equation
An important part of buying insurance is that you know the rating factors that aid in calculating the price you pay for car insurance. When consumers understand what determines base rates, this allows you to make educated decisions that could result in big savings. Multiple criteria are used when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but other factors are more obscure like your continuous coverage or how safe your car is.
Your address can affect price – Living in less populated areas can be a good thing when it comes to car insurance. Drivers who live in large cities have much more traffic and much longer commute distances. Fewer people translates into fewer accident claims and lower theft and vandalism rates.
Frequent policy claims will cost you – If you’re an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Companies in Arizona generally give the best rates to people who are not frequent claim filers. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
Men drivers tend to cost more – The statistics show women are more cautious behind the wheel. However, this does not mean males are worse at driving than females. Females and males get in fender benders in similar numbers, but the male of the species tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving. Male teenagers are most likely to cause an accident so they pay the highest premiums.
The chart below illustrates the comparison of Hyundai Accent insurance prices for male and female drivers. The costs are based on no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are applied to the premium.
GPS tracking and theft deterrents lower rates – Driving a car that has a built-in theft deterrent system can save you some money. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your car from being stolen.
Policy add-ons could be costing you – There are a lot of add-on coverages that can waste your money if you don’t pay attention. Coverage for things like rental car coverage, accidental death, and additional equipment coverage may be costing you every month. You may think they are a good idea when discussing your needs, but your needs may have changed so consider taking them off your policy.
Insurance loss data for a Hyundai Accent – Insurers include the past claim history for a vehicle when they file their rates in each state. Vehicles that the data determines to have higher loss trends will cost more to insure.
The next table illustrates the collected loss data for Hyundai Accent vehicles. For each policy coverage type, the loss probability for all vehicles as a whole equals 100. Values under 100 indicate a favorable loss history, while percentage numbers above 100 indicate a higher chance of having a claim or an increased probability of a larger loss.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years