Do you think you bought an under-performing, overpriced insurance policy? Believe me, you’re not the only one.
It’s a known fact that insurance companies want to prevent you from shopping around. People who rate shop once a year will most likely move their business because there is a significant possibility of finding better rates. Remarkably, a study showed that drivers who compared prices once a year saved an average of $850 each year compared to other drivers who didn’t regularly shop around.
If finding budget-friendly Hyundai Accent insurance is your objective, then learning a little about how to get price quotes and compare insurance can make the process less intimidating.
Steps to finding low-cost Hyundai Accent insurance in Orlando
If you want to save the most money, the best way to get budget Hyundai Accent insurance in Orlando is to start comparing prices yearly from providers in Florida. Drivers can shop around by completing these steps.
- Step 1: Try to learn about policy coverages and the measures you can take to prevent expensive coverage. Many things that are responsible for high rates such as careless driving and bad credit can be amended by making minor driving habit or lifestyle changes.
- Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or State Farm, while independent agencies can give you price quotes from many different companies. Compare rates now
- Step 3: Compare the quotes to your existing policy and see if you can save money. If you find better rates, make sure coverage does not lapse between policies.
The most important part of shopping around is that you’ll want to compare similar deductibles and liability limits on each price quote and and to get price estimates from as many different companies as possible. Doing this provides an accurate price comparison and the best price quote selection.
With vehicle owners having so many options for buying cheap insurance for a Hyundai Accent in Orlando, it is very difficult to locate a more affordable insurance provider.
It’s a good habit to check insurance prices on a regular basis because insurance prices are constantly changing. Despite the fact that you may have had the best rates on Hyundai Accent insurance in Orlando last year you can probably find a better premium rate now. You can find a lot of information about Accent insurance online, but in a few minutes you can learn some proven techniques to lower your insurance premiums.
Discounts for affordable car insurance quotes
Car insurance is expensive, but you may find discounts that can help lower your rates. Certain reductions will be credited at the time you complete a quote, but some discounts are required to be manually applied prior to getting the savings.
- Accident Forgiveness – Not a discount per se, but companies like Progressive, Allstate, and GEICO permit an accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
- Organization Discounts – Being in a civic or occupational organization in Orlando could earn you a nice discount on your bill.
- Sign Early and Save – Select car insurance companies give a discount for renewing your policy before your current Accent insurance policy expires. It can save you around 10%.
- Multi-Vehicle Discounts – Having multiple vehicles with the same company can reduce the rates for all insured vehicles.
- Drive Less and Save – Fewer annual miles on your Hyundai could earn cheaper premium rates.
- Drive Safe and Save – Accident-free drivers can save as much as half off their rates as compared to drivers with claims.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course in school or through a local driver safety program.
- Life Insurance – Some companies give a discount if you purchase some life insurance in addition to your auto policy.
One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.
The chart below shows the difference between Hyundai Accent car insurance costs with and without discounts. The costs are based on a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, claim-free, multi-car, and homeowner discounts applied.
A few companies who may offer most of these discounts possibly include:
If you are trying to find affordable Hyundai Accent insurance quotes, ask all the companies what discounts are available to you. Savings may not be offered in your area. For a list of insurers that provide some of the discounts listed above in Florida, click here to view.
Just keep in mind that having more price comparisons will increase your chances of finding lower pricing.
The providers in the list below provide price comparisons in Florida. If you want to find the best cheap car insurance in Orlando, FL, we recommend you visit two to three different companies in order to get a fair rate comparison.
Insurance coverage analysis
The rate information displayed below outlines different policy rates for Hyundai Accent models. Learning as much as possible about how car insurance premiums are figured can help you make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $142 | $318 | $460 | $28 | $138 | $1,086 | $91 |
| Accent GS 2-Dr Hatchback | $166 | $386 | $460 | $28 | $138 | $1,178 | $98 |
| Accent GLS 4-Dr Sedan | $166 | $454 | $612 | $36 | $184 | $1,452 | $121 |
| Accent SE 2-Dr Hatchback | $192 | $524 | $460 | $28 | $138 | $1,342 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in zip code location which can affect premium rates considerably.
Rate comparison for different deductibles
One of the hardest decisions when shopping for insurance is how high should your deductibles be. The comparison tables below help summarize how much more rates are between low and high physical damage coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $266 | $532 | $354 | $20 | $106 | $1,303 | $109 |
| Accent GS 2-Dr Hatchback | $312 | $648 | $354 | $20 | $106 | $1,465 | $122 |
| Accent GLS 4-Dr Sedan | $312 | $764 | $472 | $28 | $142 | $1,743 | $145 |
| Accent SE 2-Dr Hatchback | $358 | $880 | $354 | $20 | $106 | $1,743 | $145 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $148 | $280 | $354 | $20 | $106 | $908 | $76 |
| Accent GS 2-Dr Hatchback | $174 | $342 | $354 | $20 | $106 | $996 | $83 |
| Accent GLS 4-Dr Sedan | $174 | $402 | $472 | $28 | $142 | $1,218 | $102 |
| Accent SE 2-Dr Hatchback | $200 | $464 | $354 | $20 | $106 | $1,144 | $95 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in specific garaging location which can impact prices considerably.
Using the data above, we can ascertain that using a $100 deductible will cost you approximately $41 more each month or $492 annually than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 22 months between claims, you would more than likely save some money by selecting a higher deductible. Here is how this determination is made.
| Average monthly premium for $100 deductibles: | $130 |
| Average monthly premium for $1,000 deductibles (subtract): | – $89 |
| Monthly savings from raising deductible: | $41 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $41 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
Hyundai Accent liability-only versus full coverage
The information below shows the difference between Hyundai Accent insurance premiums with full physical damage coverage compared to only buying liability only. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no clear-cut rule to delete physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Hyundai Accent claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after the policy deductible has been paid. If it’s costing you more than $200 annually for full coverage, then you might want to consider buying only liability coverage.
There are some situations where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
What is the best insurance coverage?
Keep in mind that when it comes to choosing your policy, there is no one size fits all plan. Everyone’s situation is unique.
Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.
- Are my custom wheels covered?
- What if I owe more than I can insure my car for?
- Does my car insurance cover rental cars?
- Will I lose any money if I cancel my policy before it expires?
- What is no-fault insurance?
- When should I remove comp and collision on my Hyundai Accent?
- Am I covered if I hit my neighbor’s mailbox?
- Can I still get insurance after a DUI?
- Do I have coverage if my license is suspended?
If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.
When to contact an insurance agent
A lot of people still like to visit with an insurance agent and doing that can be a smart decision One of the best bonuses of comparing rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to. Putting coverage with neighborhood insurance agencies is important especially in Orlando.
Upon completion of this form (opens in new window), your insurance data is sent to insurance agents in Orlando who will return price quotes to get your business. It makes it easy because there is no need to visit any agencies because prices are sent to you instantly. You can get cheaper car insurance rates without requiring a lot of work. If you want to get a rate quote from a specific insurance company, you just need to find their quoting web page and complete a quote there.
When looking for a good insurance agency, you must know there are a couple types of insurance agents that you can choose from. Agencies in Orlando are either exclusive or independent.
Independent Car Insurance Agents
Agents that elect to be independent are not required to write business for one company so they can quote policies with any number of different companies and find you cheaper rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to do anything.
When comparing car insurance rates, it’s recommended you get insurance quotes from several independent insurance agents so that you have a good selection of quotes to compare.
Featured below is a small list of independent insurance agencies in Orlando who may be able to give you comparison quotes.
Universal Insurance Agency
1548 S Semoran Blvd – Orlando, FL 32807 – (407) 898-1116 – View Map
State and Co Insurance Agency
605 E Robinson St #450 – Orlando, FL 32801 – (407) 334-7505 – View Map
Brown and Brown Insurance Agency, Inc.
7009 Dr Phillips Blvd # 280 – Orlando, FL 32819 – (407) 843-7500 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only place business with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. Exclusive agencies are very knowledgeable on their products and sales techniques which aids in selling service over price.
Below are exclusive agencies in Orlando willing to provide price quote information.
Rocco English – State Farm Insurance Agent
7536 Dr Phillips Blvd #320 – Orlando, FL 32819 – (407) 351-5353 – View Map
Alfredo Ortega – State Farm Insurance Agent
1118 Manor Dr – Orlando, FL 32807 – (407) 249-9999 – View Map
Bill Cordy – State Farm Insurance Agent
2737 N Hiawassee Rd – Orlando, FL 32818 – (407) 298-9996 – View Map
Choosing a auto insurance agent should depend on more than just the price. Any agent in Orlando should be willing to answer these questions.
- Do they have a Better Business Bureau rating in Orlando?
- Does the company have a solid financial rating?
- Is insurance their full-time profession?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How will an accident affect your rates?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Upon getting positive responses to any questions you have as well as offering an affordable quote, you may have found an auto insurance agent that can be trusted to insure your vehicles.
The best rates come from being thorough
We just covered many ideas to compare Hyundai Accent insurance rates in Orlando. The most important thing to understand is the more you quote Orlando auto insurance, the higher the chance of saving money. Consumers may even find the best rates are with the least-expected company.
When searching for low cost Orlando auto insurance quotes, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, an accident victim reduced comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The goal is to buy the best coverage you can find at the best possible price while not skimping on critical coverages.
People change insurance companies for any number of reasons including not issuing a premium refund, extreme rates for teen drivers, unfair underwriting practices and high rates after DUI convictions. No matter why you want to switch, choosing a new company is less work than it seems.
Steps to saving on Hyundai Accent insurance in Orlando
If you want to save the most money, the best way to find the cheapest price for Hyundai Accent insurance in Orlando is to start comparing rates regularly from different companies that insure vehicles in Florida. Rates can be compared by following these steps.
Step 1: Take a little time to learn about how car insurance works and the factors you can control to lower rates. Many factors that cause rate increases like speeding tickets, careless driving and a low credit score can be remedied by improving your driving habits or financial responsibility.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while independent agents can provide prices from many different companies.
Step 3: Compare the price quotes to your existing coverage and determine if cheaper Accent coverage is available. If you can save money and make a switch, verify that coverage does not lapse between policies.
The key aspect of shopping around is to use the same coverage limits and deductibles on every price quote and and to compare as many carriers as you can. Doing this provides a fair rate comparison and maximum price selection.
Even more information can be found in the articles below:
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Affordable Car Insurance Rates for Drivers Requiring a SR22 in Orlando? (FAQ)
- How Much is Auto Insurance for a Learners Permit in Orlando? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)