If you want to save money, the best way to get affordable Hyundai Accent insurance in Fresno is to annually compare prices from companies who provide auto insurance in California.
Step 1: Try to comprehend how insurance works and the measures you can control to keep rates low. Many policy risk factors that cause high rates such as multiple speeding tickets and an imperfect credit rating can be rectified by making small lifestyle or driving habit changes. Keep reading for information to get lower rates and get additional discounts that may be available.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple insurance companies. Get quotes now
Step 3: Compare the price quotes to your existing coverage and determine if cheaper Accent coverage is available in Fresno. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
An important bit of advice to remember is that you use the same deductibles and limits on every price quote and and to get price estimates from as many different insurance providers as possible. Doing this provides a fair rate comparison and a complete price analysis.
It’s hard to believe, but most California insurance customers kept their coverage with the same insurance company for at least the last four years, and nearly half have never shopped around. With the average insurance premium being $1,847, American drivers could save approximately $860 a year, but they don’t want to spend time to compare rate quotes.
Car insurance statistics for a Hyundai Accent
The table displayed next covers a range of insurance policy prices for Hyundai Accent models. Learning more about how insurance quotes are figured can be valuable when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $188 | $350 | $386 | $22 | $116 | $1,062 | $89 |
| Accent GS 2-Dr Hatchback | $220 | $426 | $386 | $22 | $116 | $1,170 | $98 |
| Accent GLS 4-Dr Sedan | $220 | $502 | $514 | $30 | $154 | $1,420 | $118 |
| Accent SE 2-Dr Hatchback | $252 | $580 | $386 | $22 | $116 | $1,356 | $113 |
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in specific zip code location which can change auto insurance rates substantially.
The information below demonstrates how choosing different deductibles and can affect Hyundai Accent insurance prices for different age groups of insureds. Data assumes a married female driver, full coverage, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The chart below visualizes the comparison of Hyundai Accent car insurance rates with and without physical damage coverage. The premium estimates are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are factored in.
When to stop buying physical damage coverage
There is no clear-cut formula for excluding full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Hyundai Accent settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If you are paying more than $500 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are a few cases where removing full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
How to Lower Your Insurance Rates
Many different elements are used when pricing auto insurance. Some are obvious such as traffic violations, although others are not quite as obvious such as your marital status and annual miles driven.
The factors shown below are a partial list of the pieces that factor into your premiums.
The higher your credit rating the lower your costs – An insured’s credit rating can be an important factor in determining your rates. Insureds that have excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings. So if your credit rating could use some work, you could save money insuring your Hyundai Accent by improving your rating.
Insure car and home with the same company – Many insurers give discounts to people that have more than one policy in the form of a multi-policy discount. Even if you already get this discount, consumers should still comparison shop to help ensure you have the lowest rates.
Married drivers get cheaper premiums – Being married may cut your premiums on your auto insurance bill. Having a significant other means you’re more responsible and insurance companies like that married couples file fewer claims.
Rural areas have lower costs – Living in small towns and rural areas is a positive aspect when it comes to auto insurance. Fewer people means less chance of accidents in addition to lower liability claims. Urban drivers regularly have more aggressive driving styles and longer commute times. More time on the road translates into higher accident risk.
Auto insurance rates and age – Young drivers in California are statistically shown to be inattentive in a vehicle so they pay higher auto insurance rates. If you’ve ever had to add a teen driver to your policy can increase premiums substantially. More experienced drivers tend to be more responsible, tend to cause fewer accidents, and get fewer tickets.
The chart below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Is your vehicle theft-ready? – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your vehicle from being stolen.
Does insurance coverage cost less for women? – Statistics demonstrate that females take fewer risks when driving. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes cause at-fault accidents at a similar rate, but the males get into accidents with more damage. Men also tend to get higher numbers of serious violations like DUI and reckless driving. Males from age 16 to 21 are the most expensive to insure so it costs more to insure them.
The information below illustrates the comparison of Hyundai Accent auto insurance rates for male and female drivers. The costs are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied.
An active policy claims history can cost you – Insurance companies in California provide cheaper rates to insureds who only file infrequent claims. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
Hyundai Accent historical loss data – Insurance companies use claims history when determining insurance prices. Vehicles that historically have higher number or severity of losses will cost more for coverage. The table shown below demonstrates the loss history for Hyundai Accent vehicles.
For each policy coverage type, the claim amount for all vehicles averaged together is represented as 100. Numbers that are below 100 are indicative of better than average losses, while values over 100 indicate more frequent claims or an increased likelihood of larger losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Accent | 98 | 109 | 89 | 129 | 129 | 133 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
How to find a good California car insurance company
Buying coverage from the best auto insurance company can be rather challenging considering how many choices you have in Fresno. The rank data below can help you select which providers you want to consider when comparing rate quotes.
Top 10 Fresno Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Fresno Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Final considerations
More affordable insurance in Fresno is available online and with local Fresno insurance agents, so you need to quote Fresno car insurance with both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get quotes online and many times these small insurance companies sell through independent insurance agents.
Drivers switch companies for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, delays in paying claims or questionable increases in premium. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
We just showed you some good ideas how you can reduce Hyundai Accent insurance rates online in Fresno. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.
Helpful articles
- Rollover Crash FAQ (iihs.org)
- How Much is Fresno Auto Insurance for Police Officers? (FAQ)
- What Insurance is Cheapest for a 20 Year Old Female in Fresno? (FAQ)
- How Much is Fresno Auto Insurance for a Hyundai Elantra? (FAQ)
- Who Has the Cheapest Fresno Car Insurance Rates for a Nissan Altima? (FAQ)
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- What Car Insurance is Cheapest for a Honda Civic in Fresno? (FAQ)
- How Much are Fresno Car Insurance Rates for Hybrid Vehicles? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Vehicle Safety Ratings (iihs.org)