Auto Insurance Rates for a Hyundai Accent in Scottsdale

If you want to save the most money, the best way to find low-cost prices for Hyundai Accent insurance is to compare prices annually from insurers in Scottsdale. Drivers can shop around by completing these steps.

  1. Read about individual coverages and the measures you can control to lower rates. Many policy risk factors that are responsible for high rates like getting speeding tickets and an unacceptable credit rating can be eliminated by improving your driving habits or financial responsibility. This article gives information to keep prices down and get bigger discounts.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Allstate, while independent agencies can quote prices from multiple sources.
  3. Compare the new rates to the price on your current policy and see if you can save money. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.

A valuable tip to remember is to make sure you enter identical limits and deductibles on every quote and and to compare as many carriers as you can. Doing this enables an apples-to-apples comparison and a complete price analysis.

Insurance quote for Hyundai Accent in ScottsdaleIt’s an obvious conclusion that car insurance companies don’t want you to look for a cheaper policy. Consumers who shop around will, in all likelihood, buy a different policy because the odds are good of finding lower rate quotes. A recent survey found that people who regularly shopped around saved approximately $865 a year compared to policyholders who never shopped for cheaper rates.

If finding the lowest rates on Hyundai Accent insurance in Scottsdale is the reason you’re here, then knowing how to get price quotes and compare insurance premiums can help you succeed in finding affordable rates.

If you’re already insured or are shopping for new coverage, you can learn to reduce the price you pay without reducing protection. Comparison shopping for the best policy in Scottsdale is not as hard as you may think. Drivers just need to use the least time-consuming way to shop using one simple form.

Best companies for cheap Hyundai Accent insurance in Arizona

The following companies are ready to provide free rate quotes in Scottsdale, AZ. If multiple companies are listed, we suggest you visit several of them to get the most competitive price.

Hyundai Accent detailed coverage information

The price information displayed next highlights estimates of insurance premium costs for Hyundai Accent models. Having a better idea how premiums are calculated is important for you to make smart choices when choosing a car insurance company.

Hyundai Accent Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $166 $314 $260 $16 $78 $834 $70
Accent GS 2-Dr Hatchback $196 $382 $260 $16 $78 $932 $78
Accent GLS 4-Dr Sedan $196 $450 $346 $20 $104 $1,116 $93
Accent SE 2-Dr Hatchback $224 $518 $260 $16 $78 $1,096 $91
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Table data does not factor in specific location information which can lower or raise prices substantially.

Physical damage deductible comparison

One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The rates below may help to illustrate the cost difference when you buy lower versus higher physical damage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Hyundai Accent insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $192 $382 $254 $16 $76 $945 $79
Accent GS 2-Dr Hatchback $224 $466 $254 $16 $76 $1,061 $88
Accent GLS 4-Dr Sedan $224 $548 $338 $20 $102 $1,257 $105
Accent SE 2-Dr Hatchback $258 $632 $254 $16 $76 $1,261 $105
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Hyundai Accent insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $106 $202 $254 $16 $76 $654 $55
Accent GS 2-Dr Hatchback $124 $246 $254 $16 $76 $716 $60
Accent GLS 4-Dr Sedan $124 $290 $338 $20 $102 $874 $73
Accent SE 2-Dr Hatchback $144 $334 $254 $16 $76 $824 $69
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific zip code location which can increase or decrease price quotes considerably.

Based on these figures, using a $100 deductible would cost the average driver about $30 more each month or $360 for a full year averaged for all Accent models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 30 months between claim filings, you would come out ahead by going with a higher deductible. The table below illustrates an example of how we made this calculation.

Average monthly premium for $100 deductibles: $94
Average monthly premium for $1,000 deductibles (subtract): – $64
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

The information below shows how choosing a deductible and can change Hyundai Accent insurance premiums for each age group. The rate quotes are based on a married male driver, full coverage, and no policy discounts are applied.

Should you buy full coverage?

The diagram below shows the difference between Hyundai Accent auto insurance rates with and without physical damage coverage. The premiums are based on a clean driving record, no claims, $100 deductibles, drivers are single, and no discounts are taken into consideration.

When to drop full coverage

There is no clear-cut rule to stop buying comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Hyundai Accent claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after the policy deductible has been paid. If it’s costing you more than $300 annually to have full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.

Discount Scottsdale insurance quotes

Some insurance providers don’t necessarily list all possible discounts very well, so the next list breaks down both well-publicized and also the more inconspicuous ways to save on insurance.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, you aren’t that lucky.

The chart below shows the difference between Hyundai Accent insurance premiums with and without discounts applied to the rates. The price estimates are based on a male driver, no claims or 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 multi-policy, marriage, safe-driver, claim-free, multi-car, and homeowner discounts applied.

Companies that may include some of the discounts shown above may include but are not limited to:

If you are trying to find affordable Hyundai Accent insurance quotes, ask all the companies what discounts are available to you. Depending on the company, some discounts may not apply to policyholders in Scottsdale. If you would like to view providers with the best discounts in Arizona, click this link.

Insurance agencies near you

Some consumers would rather visit with an insurance agent and there is nothing wrong with that. Good insurance agents are very good at helping people manage risk and help file insurance claims. One of the great benefits of comparing insurance online is you may find lower rates and still buy from a local agent.

Find insurance agent in ScottsdaleTo make it easy to find an agent, after completing this form (opens in new window), the quote information is instantly submitted to local insurance agents in Scottsdale who want to provide quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact any insurance agencies due to the fact that quote results will go to the email address you provide. In the event you want to quote rates from one company in particular, don’t hesitate to navigate to their website and fill out the quote form the provide.

Choosing an company needs to be determined by more than just the price. Any good agent in Scottsdale should know the answers to these questions.

Pick the best car insurance agent in Scottsdale for you

If you are searching for a reputable agency, there are a couple of types of agencies from which to choose. Insurance agents in Scottsdale are categorized either independent agents or exclusive agents. Both types can write insurance policies, but it’s good to learn the difference in the companies they write for since it could factor into the kind of agent you use.

Exclusive Insurance Agencies

These agents can only place business with one company such as AAA, Allstate, and State Farm. They are unable to give you multiple price quotes so always compare other rates. They are well trained on their company’s products which aids in selling service over price. Consumers frequently purchase coverage from exclusives primarily because of high brand loyalty and solid financial strength.

Below is a short list of exclusive insurance agents in Scottsdale that can give you price quote information.

More Scottsdale agents

Independent Insurance Agents

Independent agents often have affiliation with several companies so they can quote policies through many different insurance companies and find you the best rates. To move your coverage to a new company, they simply switch companies in-house which is easy for the insured.

When comparing rates, it’s a good idea to include price quotes from at least one independent agent for maximum quote selection. Most can insure with smaller regional carriers that can offer cheaper rates than bigger companies.

Below is a list of independent agents in Scottsdale that are able to give comparison quotes.

More Scottsdale agents

Don’t give up on cheaper premiums

People who switch companies do it for a number of reasons such as policy cancellation, poor customer service, high prices or even delays in responding to claim requests. Whatever your reason, finding the right car insurance provider is easier than you think.

When you buy Scottsdale car insurance online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Cost effective Hyundai Accent insurance can be sourced on the web and from local insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not provide price quotes online and many times these small, regional companies prefer to sell through local independent agents.

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