Do you need a fast way to compare the cheapest Hyundai Accent insurance in San Antonio? Comparing and finding cheaper coverage rates for Hyundai Accent insurance in San Antonio is always quite difficult for beginners to online rate comparisons. People have so many different companies and agents to choose from that it can be a difficult situation to lower your prices on Hyundai Accent insurance.
It’s safe to conclude that auto insurance companies don’t want their customers to go rate shopping. Insureds who compare other rates will, in all likelihood, move their business because they have a good chance of finding coverage at a cheaper rate. A recent survey discovered that people who shopped around every year saved as much as $860 a year compared to policyholders who don’t make a habit of comparing rates.
If finding the cheapest price for auto insurance is your ultimate objective, then learning a little about how to get free comparison quotes and analyze cheaper coverage can save time, money, and frustration.
It’s important to compare premium rates occasionally since insurance prices trend upward over time. If you had the best rate on Hyundai Accent insurance in San Antonio a year ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because it’s time to teach you how to use the internet to save money, get proper coverage and the best rates.
Compare free San Antonio Hyundai Accent insurance price quotes
Just remember that comparing more quotes gives you a better chance of getting better pricing.
The companies shown below can provide quotes in Texas. If multiple providers are shown, we suggest you get rate quotes from several of them to find the cheapest auto insurance rates.
Auto insurance discounts help lower rates for Hyundai Accent insurance in San Antonio
Auto insurance is neither fun to buy or cheap, but there could be available discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be specially asked for before you will receive the discount.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up could save 15% on the medical payments or PIP coverage costs.
- Low Miles Discount – Driving fewer miles may allow you to get better auto insurance rates on cars that stay parked.
- New Car Discount – Buying a new car model can save you some money compared to insuring an older model.
- College Student Discount – Children who live away from home at college and don’t have a car can be insured at a reduced rate.
- Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and can earn a small discount on your policy.
As a sidenote, some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.
The example below shows the comparison of Hyundai Accent yearly insurance costs with and without discounts applied to the rates. The data assumes a female driver, no accidents or driving violations, Texas 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, marriage, homeowner, claim-free, multi-policy, and multi-car discounts applied.
A few popular companies and their offered discounts are detailed below.
- Travelers may include discounts for new car, driver training, multi-car, continuous insurance, and good student.
- 21st Century has savings for 55 and older, driver training, anti-lock brakes, early bird, air bags, and student driver.
- State Farm offers premium reductions for defensive driving training, student away at school, Steer Clear safe driver discount, Drive Safe & Save, and passive restraint.
- GEICO policyholders can earn discounts including defensive driver, seat belt use, daytime running lights, five-year accident-free, emergency military deployment, military active duty, and federal employee.
- SAFECO includes discounts for anti-theft, drive less, teen safety rewards, homeowner, accident prevention training, and teen safe driver.
- AAA may offer discounts for multi-policy, good student, anti-theft, AAA membership discount, and education and occupation.
If you are trying to find affordable San Antonio auto insurance quotes, ask each company or agent which discounts you may be entitled to. Discounts may not apply to policies in San Antonio. For a list of providers that can offer you the previously mentioned discounts in San Antonio, follow this link.
Statistics and details
The premium table shown below showcases different prices for Hyundai Accent models. Having knowledge of how auto insurance prices are determined can help drivers make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $234 | $550 | $422 | $24 | $126 | $1,356 | $113 |
| Accent GS 2-Dr Hatchback | $274 | $670 | $422 | $24 | $126 | $1,516 | $126 |
| Accent GLS 4-Dr Sedan | $274 | $788 | $560 | $34 | $168 | $1,824 | $152 |
| Accent SE 2-Dr Hatchback | $314 | $908 | $422 | $24 | $126 | $1,794 | $150 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Information does not factor in vehicle location which can alter rates substantially.
Should you raise deductibles?
One of the more difficult decisions when buying car insurance is which deductible level should you buy. The rates shown below show the difference in cost when you choose different insurance deductibles. The first set of prices uses a $250 deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $218 | $408 | $324 | $20 | $96 | $1,091 | $91 |
| Accent GS 2-Dr Hatchback | $256 | $496 | $324 | $20 | $96 | $1,217 | $101 |
| Accent GLS 4-Dr Sedan | $256 | $584 | $430 | $26 | $128 | $1,449 | $121 |
| Accent SE 2-Dr Hatchback | $294 | $672 | $324 | $20 | $96 | $1,431 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $136 | $256 | $324 | $20 | $96 | $832 | $69 |
| Accent GS 2-Dr Hatchback | $158 | $312 | $324 | $20 | $96 | $910 | $76 |
| Accent GLS 4-Dr Sedan | $158 | $368 | $430 | $26 | $128 | $1,110 | $93 |
| Accent SE 2-Dr Hatchback | $182 | $424 | $324 | $20 | $96 | $1,046 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in specific location which can revise auto insurance rates noticeably.
Based on the above data, using a $250 deductible costs an average of $27 more each month or $324 annually than buying the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 28 months between claims, you would come out ahead if you opt for a higher deductible. The numbers below show an example of how you can make your own decision.
| Average monthly premium for $250 deductibles: | $108 |
| Average monthly premium for $1,000 deductibles (subtract): | – $81 |
| Monthly savings from raising deductible: | $27 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $27 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 28 months |
One big caveat is that higher deductibles results in more money out-of-pocket at claim time. That will necessitate enough savings in the event you have to pay the deductible.
Informed Consumers Can Reduce Insurance Rates
Smart consumers have a good feel for the rating factors that help calculate the rates you pay for auto insurance. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that may result in lower auto insurance prices. Multiple criteria are used in the calculation when premium rates are determined. Some are obvious such as your driving record, but some are not as apparent such as your marital status and annual miles driven.
Raising physical damage deductibles lowers costs – Insurance for physical damage, also called comprehensive and collision insurance, protects your Hyundai from damage. Examples of some claims that would be covered would be a dented fender, vandalism, and windstorm damage. The deductibles you choose define how much you are willing to pay if the claim is covered. The more expense the insured is willing to pay, the lower your rates will be.
Men drivers tend to cost more – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes cause at-fault accidents in similar numbers, but the male of the species have costlier accidents. Not only are claims higher, but men get more serious tickets like reckless driving and DUI.
The illustration below illustrates the difference between Hyundai Accent premium costs for male and female drivers. Data assumes no claims or driving violations, comp and collision included, $500 deductibles, drivers are not married, and no discounts are factored in.
With age comes lower costs – Older people are more cautious drivers, tend to file fewer claims, and are generally more financially stable. Young drivers tend to be more careless with other occupants in the car and because of this, their auto insurance rates are much higher.
The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Liability is cheap – Liability coverage will provide protection in the event that you are found to be at fault for an accident. It provides legal defense coverage which can cost a lot. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Low credit history equals high costs – A driver’s credit score factor in calculating your auto insurance rates. Therefore, if your credit is not that good, you could save money insuring your Hyundai Accent by repairing your credit. People that have high credit ratings tend to be more responsible and file fewer claims than those with lower ratings.
Rates are impacted by vehicle performance – The performance level of the car you own makes a substantial difference in the rate you pay. The lowest base rates tend to be for lower performance four cylinder passenger models, but other factors influence the final cost greatly.
The data below assumes a single male driver age 40, full coverage with $500 deductibles, and no discounts or violations. The data compares Hyundai Accent car insurance rates compared to other vehicles that have different performances.
Continuous coverage lowers prices – Driving with no insurance can get your license suspended and you may have a hard time finding new coverage because you let your insurance lapse. And not only will insurance be more expensive, the inability to provide proof of insurance can result in a fine, jail time, or a revoked license.
Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies which can mean better rates for you.
Claims statistics for a Hyundai Accent – Auto insurance companies use past insurance losses when setting premium costs. Vehicles that the data shows to have higher loss trends will have a higher cost to insure.
The table below shows the compiled insurance loss statistics for Hyundai Accent vehicles. For each coverage type, the statistical loss for all vehicles averaged together is equal to 100. Percentage values below 100 imply a favorable loss record, while numbers shown that are more than 100 indicate more frequent claims or tendency to have higher losses.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Accent | 98 | 109 | 89 | 129 | 129 | 133 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When to have guidance from an insurance agent
A lot of people just prefer to go talk to an agent and there is nothing wrong with that. One of the benefits of comparing insurance online is the fact that you can find the lowest rates and still have a local agent. Putting coverage with local agencies is especially important in San Antonio.
To help locate an agent, after submitting this simple form, your coverage information is instantly submitted to local insurance agents in San Antonio that provide free San Antonio auto insurance quotes for your insurance coverage. You never need to contact any insurance agencies because prices are sent directly to you. It’s the lowest rates and a licensed agent to talk to. In the event you want to compare rates from a specific insurance company, just go to their quote page and complete a quote there.
Listed below are agents in San Antonio who can help you get rate quotes for Hyundai Accent insurance in San Antonio.
- Austin Riley – State Farm Insurance Agent
11726 Ste 102A, I-35 – San Antonio, TX 78233 – (210) 514-1120 – View Map - Chad Dawson – State Farm Insurance Agent
5890 De Zavala Rd Ste 105 – San Antonio, TX 78249 – (210) 615-7898 – View Map - Roger Haynes – State Farm Insurance Agent
13909 Nacogdoches Rd #103 – San Antonio, TX 78217 – (210) 656-4082 – View Map - Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094 – View Map
Picking the best provider requires you to look at more than just a cheap price. A good agent in San Antonio will have answers to these questions.
- How experienced are they in personal risk management?
- Does the company have a solid financial rating?
- Are there any discounts that you might be missing?
- Do they carry Errors and Omissions coverage?
- Is there any savings for paying the full premium?
- If you raise deductibles, how much can you save?
Once you have received satisfactory answers to all your questions and a good coverage price, you may have just found an provider that meets the criteria to provide insurance coverage. Just be aware that you can always cancel your policy at any point so don’t assume that you are obligated to any specific company for the full term.
What is the best insurance coverage?
When it comes to choosing the right insurance coverage, there really isn’t a best way to insure your cars. Everyone’s situation is unique.
These are some specific questions might help in determining whether your personal situation would benefit from professional advice.
- What does medical payments cover?
- When should I not file a claim?
- What is the difference between comprehensive and collision coverage?
- Should I buy additional glass protection?
- Is motorclub coverage worth it?
- Who sells insurance for high-risk drivers?
- Do I need roadside assistance coverage?
- Do I need an umbrella policy?
- Does my policy pay for OEM or aftermarket parts?
- Am I covered if my car is in a flood?
If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, complete this form.
Affordable car insurance rates are possible
More affordable car insurance in San Antonio is available both online in addition to many San Antonio insurance agents, and you should be comparing both to have the best selection. Some car insurance companies may not have online rate quotes and usually these small, regional companies work with local independent agents.
You just read many ideas to save on Hyundai Accent insurance in San Antonio. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest prices come from an unexpected company.
Drivers switch companies for a variety of reasons including high prices, unfair underwriting practices, questionable increases in premium and even delays in paying claims. Whatever your reason, choosing a new company is less work than it seems.
More tips and info about car insurance is available by following these links:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Who Has Affordable San Antonio Auto Insurance for Unemployed Drivers? (FAQ)
- How Much is San Antonio Auto Insurance for a 20 Year Old Male? (FAQ)
- What Car Insurance is Cheapest for a Nissan Altima in San Antonio? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Red Light Cameras (State Farm)
- Young Drivers: The High Risk Years Video (iihs.org)