Auto Insurance Rate Quotes for a Hyundai Accent in Columbus

It goes without saying that insurance companies don’t want you to look for a cheaper policy. Consumers who shop around for better prices will, in all likelihood, switch to a new company because there are good odds of finding more affordable rates. A recent survey found that people who regularly shopped around saved on average $3,400 over four years compared to people who didn’t regularly shop around.

If saving the most money on car insurance in Columbus is your objective, then learning a little about how to choose a company and compare insurance premiums can help you be more efficient.

Insurance rates Hyundai Accent in ColumbusThe best way we recommend to get low-cost car insurance rates is to do a yearly price comparison from companies who provide car insurance in Columbus.

One tip to remember is that you use similar coverage information on every quote request and and to get price quotes from as many auto insurance providers as possible. Doing this guarantees an accurate price comparison and a good representation of prices.

If you have a current insurance policy or need a new policy, take advantage of these tips to get lower rates without having to cut coverage. Buying the cheapest insurance in Columbus is not rocket science. Consumers just have to understand the best way to shop for insurance using one simple form.

The Hyundai Accent Insurance Rate Equation

It’s important that you understand the rating factors that help calculate the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find lower rates. Many things are considered when you get a price on insurance. Some factors are common sense such as traffic violations, but others are not as apparent like your continuous coverage or your financial responsibility.

Good drivers pay better premiums – Good drivers pay lower auto insurance prices than their less careful counterparts. Even a single speeding ticket or other violation may cause rates to rise by as much as thirty percent. Drivers with careless violations such as DUI or reckless driving may find they need to maintain a SR-22 with the DMV in their state in order to drive a vehicle legally.

The chart below shows how violations and at-fault accidents can impact Hyundai Accent insurance rates for different age groups. Data assumes a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Lower rates with a multi-policy discount – Some insurance companies will give lower prices to insureds who have multiple policies with them. It’s known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to compare other Columbus Accent insurance rates to confirm you are receiving the best rates possible.There is a good possibility that you can find a better deal by buying car insurance from a different company.

Drive less and get lower prices – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting can be on a lower rate level than those used for commuting. Incorrect rating for your Accent is just wasting money. It’s a good idea to make sure your declarations sheet correctly shows the correct usage, because improper ratings can cost you money.

Marriage can lower costs – Having a spouse can actually save you money on your car insurance policy. Having a significant other usually means you are more mature than a single person and statistics prove drivers who are married file infrequent claims.

Liability insurance safeguards assets – Liability coverage kicks in if ever you are determined to be liable for damages caused by your negligence. It will provide for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.

Hyundai Accent insurance loss data – Insurers use historical loss data to determine a price that will be profitable for them. Vehicles that the statistics show to have increased claim numbers or amounts will cost more for specific coverages.

The data below shows the actual insurance loss data for Hyundai Accent vehicles. For each policy coverage, the claim amount for all vehicles averaged together is considered to be 100. Values that are 100 or less indicate better than average losses, while numbers above 100 indicate higher probability of having a loss or statistically larger claims.

Hyundai Accent Insurance Claim Statistics
Vehicle Make and 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

The easiest way to get rate comparisons for Hyundai Accent insurance in Columbus takes advantage of the fact most larger insurance companies provide online access to give free rates quotes. To begin a comparison, all you need to do is provide information such as the make and model of your vehicles, how much coverage you want, if you require a SR-22, and driver ages. The data is submitted instantly to multiple car insurance providers and they respond with quotes within a short period of time.

To find the cheapest Hyundai Accent insurance rates, click here and find out if lower rates are available in Columbus.

The companies shown below provide free quotes in Ohio. If the list has multiple companies, we suggest you visit as many as you can to get the lowest price.

Auto insurance data for a Hyundai Accent

The information shown next covers different insurance prices for Hyundai Accent models. Learning how auto insurance premiums are determined can help guide drivers when making smart choices when selecting a coverage provider.

Hyundai Accent Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $124 $284 $202 $12 $60 $682 $57
Accent GS 2-Dr Hatchback $146 $346 $202 $12 $60 $766 $64
Accent GLS 4-Dr Sedan $146 $408 $270 $16 $80 $920 $77
Accent SE 2-Dr Hatchback $168 $468 $202 $12 $60 $910 $76
Get Your Own Custom Quote Go

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific zip code location which can influence coverage rates significantly.

Should you raise deductibles?

One common question asked by Columbus drivers is how low should you set your deductibles. The comparisons below highlight the rate fluctuation when you choose different coverage deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Hyundai Accent insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $130 $242 $192 $12 $58 $659 $55
Accent GS 2-Dr Hatchback $152 $296 $192 $12 $58 $735 $61
Accent GLS 4-Dr Sedan $152 $348 $256 $16 $76 $873 $73
Accent SE 2-Dr Hatchback $176 $400 $192 $12 $58 $863 $72
Get Your Own Custom Quote Go

Hyundai Accent insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $80 $152 $192 $12 $58 $494 $41
Accent GS 2-Dr Hatchback $94 $186 $192 $12 $58 $542 $45
Accent GLS 4-Dr Sedan $94 $220 $256 $16 $76 $662 $55
Accent SE 2-Dr Hatchback $108 $252 $192 $12 $58 $622 $52
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price information does not factor in vehicle location which can revise premium rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $17 more each month or $204 a year than buying the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 44 months between claims, you would most likely save money by selecting a higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $65
Average monthly premium for $1,000 deductibles (subtract): – $48
Monthly savings from raising deductible: $17
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 44 months

An important thing to remember is that a higher deductible means you will have to pay more when you have to file a claim. You must have enough savings in the event you need to pay the deductible.

Car insurance is not optional in Ohio

Even though it can be expensive, insuring your vehicle is required in Ohio but also provides important benefits.

The benefits of carrying adequate insurance outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays more than $850 per year so it’s recommended you shop around at every policy renewal to ensure rates are inline.

Lower rate quotes by taking advantage of discounts

Some insurance providers don’t always publicize all available discounts in an easy-to-find place, so here is a list both the well known as well as the least known credits available to lower your premiums when you buy Columbus car insurance online.Save money with discounts

A quick disclaimer, most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like you could get a free insurance policy, you’re out of luck. But any discount will bring down your premiums.

The diagram below illustrates the difference between Hyundai Accent auto insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no violations or accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, homeowner, marriage, and multi-policy discounts applied.

A list of companies and their possible discounts are shown below.

When getting free Columbus car insurance quotes, it’s a good idea to each company or agent to give you their best rates. Some of the discounts discussed earlier might not be offered on policies in your area. To find insurers who offer discounts in Columbus, click this link.

Compare prices but buy from a local neighborhood Columbus car insurance agent

Some people would prefer to sit down and talk to an agent and that can be a great decision Experienced insurance agents are very good at helping people manage risk and help submit paperwork. One of the benefits of price shopping on the web is that you can obtain cheap insurance rates and still choose a local agent. Buying from and supporting neighborhood agents is important especially in Columbus.

After filling out this short form, the quote information is submitted to participating agents in Columbus who will give you quotes for your insurance coverage. It makes it easy because there is no need to contact an agency due to the fact that quote results will go directly to your email. If you have a need to compare rates from one company in particular, don’t hesitate to visit that company’s website and submit a quote form there.

The following are Columbus car insurance companies willing to provide rate quotes for Hyundai Accent insurance in Columbus.

12927 Stonecreek DrPickerington, OH 43147(614) 866-6060View Map

2690 E Main StColumbus, OH 43209(614) 235-5413View Map

891 S James RdColumbus, OH 43227(614) 235-2815View Map

1707 Bethel RdColumbus, OH 43220(614) 459-2424View Map

More insurance agents

Finding the right company should depend on more than just the quoted price. Ask your prospective agent these questions:

Insurance is unique, just like you

When choosing your policy for your vehicles, there really is no perfect coverage plan. Your needs are unique to you and a cookie cutter policy won’t apply.Safe vehicles cost less to insure
For example, these questions can help discover if you would benefit from professional advice.

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

In Summary

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut collision coverage and learned later that it was a big error on their part. Your focus should be to find the BEST coverage at the best cost, not the least amount of coverage.

Discount Hyundai Accent insurance in Columbus can be sourced online in addition to many Columbus insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not have price quotes online and most of the time these regional insurance providers only sell coverage through independent agencies.

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