Top Techniques to Lowering Your Hyundai Accent Insurance Rates in Nevada

Nevada buyers have lots of choices when searching for the lowest priced Hyundai Accent insurance. You can either spend your time driving around to get rate comparisons or save time using the internet to get rate quotes. There are more efficient ways to shop for auto insurance so we’re going to tell you the absolute fastest way to price shop coverage for a Hyundai and locate the lowest possible price from both online companies and Nevada agents.

Complexity of Hyundai Accent insurance rates

An important part of buying insurance is that you know some of the elements that help determine auto insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

The following are a partial list of the pieces that factor into your rates.

  • Are you male or female? – Statistics show that women are safer drivers than men. Now that doesn’t mean women are better drivers. Women and men tend to get into accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • Safer cars cost less to insure – Safer cars can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Hyundai Accent earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Lower deductibles cost more – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Hyundai. Some examples of claims that would be covered are collision with another vehicle, vandalism, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more the insured has to pay upfront, the bigger discount you will receive for Accent insurance.
  • High credit ratings translate to low rates – Credit history is a large factor in determining what you pay for auto insurance. So if your credit rating is not that good, you could be paying less to insure your Hyundai Accent by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Don’t get talked into coverage you don’t need – There are quite a few extra coverages that can waste your money on your Accent policy. Coverages for personal injury protection, accident forgiveness and additional equipment coverage are some examples. They may seem like a good idea initially, but now you might not need them so eliminate them to save money.
  • High performance equals high price – The performance of the vehicle you own makes a huge difference in the rate you pay. The cheapest insurance rates are for lower performance four cylinder passenger models, but other factors influence the final cost greatly. Since the Hyundai Accent is considered a passenger car, rates will be similar in price or lower when compared to the average rates.
  • Multi-policy discounts can save money – Some insurers give discounts to customers who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to compare other company rates to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.
  • Older drivers pay less – Teenage drivers in Nevada are known to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Having to add a young driver onto a policy can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.

Fast and Easy Nevada Auto Insurance Quotes

There are several ways to compare rate quotes from different in Nevadainsurance companies. The simplest method to find competitive Hyundai Accent insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

The most efficient way to get quotes is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate quotation requests for every auto insurance company. One form will get you price quotes direct from many companies. This is by far the quickest method.

A more time consuming way to obtain and compare quotes online requires a trip to the website for each individual company and complete a new quote form. For examples sake, let’s say you want rates from State Farm, Progressive and Travelers. You would have to go to every website to input your insurance information, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, ensure you’re using identical coverage limits and deductibles with every price quote. If each company quotes different deductibles then you won’t be able to determine which rate is truly the best. Just a small difference in limits may result in large price differences. And when price shopping your coverage, getting more free quotes provides better odds of finding a lower rate.Nevada insurance prices

Be sure to get all your discounts

Companies offering auto insurance do not advertise every discount in a way that’s easy to find, so we break down both the well known and the more hidden savings tricks you should be using.

  • E-sign – A few companies will give a small break for buying your policy on their website.
  • Defensive Driver – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Save over 55 – Mature drivers can possibly qualify for reduced rates for Accent insurance.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So when the math indicates you could get a free auto insurance policy, companies wouldn’t make money that way.

For a list of insurance companies with discount auto insurance rates in Nevada, click here.

How do I know if I need professional advice?

When buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • Am I getting all the discounts available?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How many claims can I have before being cancelled?
  • When would I need rental car insurance?
  • What can I do if my company denied a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Even more information can be found at the Nevada Division of Insurance website. Nevada drivers can read state legal mandates and laws, find a variety of consumer forms, and read enforcement actions against agents and companies.

The articles below may also help you learn more about auto insurance in Nevada

Buy online or local, you save

Affordable Hyundai Accent insurance can be bought from both online companies and with local Nevada insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Consumers change insurance companies for any number of reasons including delays in paying claims, policy non-renewal, delays in responding to claim requests or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is not as hard as you think.

As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage for the lowest price while still protecting your assets.