Compare Hyundai Accent Insurance Quotes in San Diego

Are you tired of being strong-armed to keep your car insured? You’re in the same situation as many other drivers in California.

Insurance for Hyundai AccentA recent study revealed that over 70% of drivers have been with the same company for over three years, and nearly half have never compared rates with other companies. With the average auto insurance premium being $1,400, California drivers could save as much as 35% a year, but they don’t want to take the time to compare rates and save money.

Insurance companies such as State Farm, Progressive and GEICO increase brand awareness with advertising and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you are paying for car insurance now, you stand a good chance to be able to find the best rates using the ideas presented in this article. Buying the cheapest insurance in San Diego is really not that difficult. But California vehicle owners must know the way companies calculate their prices and use it to find better rates.

To find the best insurance rates, there are several ways of comparing rate quotes from lots of California insurance companies. The quickest method to comparison shop consists of shopping online.

Comparison shopping rate quotes online is easy and it makes it obsolete to call or drive to insurance agents’ offices. Quoting and buying Hyundai Accent insurance online eliminates the middleman unless you have a need for the trained advice of a local agency. You can, however, comparison shop online but still have the advice of a local agent.

When price shopping your coverage, more quotes will improve the odds of getting lower pricing.

The following companies are ready to provide free rate quotes in California. If several companies are displayed, we recommend you visit several of them to get the cheapest price.

Hyundai Accent Insurance Rate Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $254 $472 $376 $22 $112 $1,236 $103
Accent GS 2-Dr Hatchback $302 $632 $386 $22 $116 $1,458 $122
Accent GLS 4-Dr Sedan $186 $454 $470 $28 $140 $1,278 $107
Accent SE 2-Dr Hatchback $316 $630 $492 $30 $148 $1,616 $135
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in vehicle location which can affect premiums noticeably.

Higher deductibles save money

One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The premium rates below may help to illustrate the costs and benefits when you buy lower versus higher policy deductibles. The first set of prices uses a $100 physical damage deductible and the second set of rates uses a $500 deductible.

Hyundai Accent insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $282 $564 $376 $22 $112 $1,381 $115
Accent GS 2-Dr Hatchback $332 $686 $376 $22 $112 $1,553 $129
Accent GLS 4-Dr Sedan $332 $810 $500 $30 $150 $1,847 $154
Accent SE 2-Dr Hatchback $380 $932 $376 $22 $112 $1,847 $154
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Hyundai Accent insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $206 $382 $376 $22 $112 $1,098 $92
Accent GS 2-Dr Hatchback $242 $464 $376 $22 $112 $1,216 $101
Accent GLS 4-Dr Sedan $242 $546 $500 $30 $150 $1,468 $122
Accent SE 2-Dr Hatchback $278 $630 $376 $22 $112 $1,418 $118
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in San Diego location which can influence coverage prices greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $30 more each month or $360 annually than opting for the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 13 months between claims, you would more than likely save some money if you opt for a higher deductible. Here is a better example of how this decision is made.

Average monthly premium for $100 deductibles: $138
Average monthly premium for $500 deductibles (subtract): – $108
Monthly savings from raising deductible: $30
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

Hyundai Accent liability-only versus full coverage

The illustration below illustrates the difference between Hyundai Accent auto insurance costs with full coverage compared to only the California minimum liability coverage. The price estimates are based on no accidents or driving violations, $500 deductibles, married male driver, and no additional discounts are factored in.

When to stop paying for full coverage

There is no definitive guideline for phasing out comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s say your Hyundai Accent claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after you pay the deductible. If you are paying over $600 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Why you need Accent insurance in California

Even though it’s not necessarily cheap to insure a Hyundai in San Diego, insurance is most likely required but also gives you several important benefits.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly when you have a large claim. But the average American driver is overpaying more than $865 each year so it’s recommended you shop around at least once a year to make sure the price is not too high.

Cheap Hyundai Accent insurance quotes in San Diego

Companies offering auto insurance do not advertise their entire list of discounts very clearly, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy San Diego car insurance online.Cheaper car insurance with discounts

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of companies and a selection of discounts are:

Before purchasing a policy, check with each company or agent which discounts can lower your rates. Some discounts might not be offered on policies in San Diego.

Get rate quotes but buy from a neighborhood San Diego auto insurance agent

Many people still like to talk to an insurance agent and we recommend doing that The best thing about comparing insurance online is that you can obtain better rates and still choose a local agent. Buying from neighborhood agents is definitely important in San Diego.

Insurance agents in San DiegoAfter completing this short form, your insurance coverage information is transmitted to companies in San Diego who will give you bids for your business. You won’t even need to leave your computer since rate quotes are delivered immediately to your email address. You can find the lowest rates without a big time investment. In the event you want to get a comparison quote from a specific insurance company, you can always search and find their rate quote page and give them your coverage information.

If you prefer to buy insurance from a good San Diego insurance agent, you should know the types of agencies to choose from. Insurance agents are either exclusive agents or independent agents.

Independent Insurance Agents (or Brokers)

Independent agencies often have affiliation with several companies so they can write business with multiple insurance companies and possibly get better coverage at lower prices. If premiums increase, an independent agent can move your coverage and you don’t have to switch agencies. If you are comparing rate quotes, we recommend you get quotes from multiple independent agents to get the most accurate price comparison.

The following is a list of independent insurance agents in San Diego that may be able to provide competitive price quotes.

1274 Scott StSan Diego, CA 92106(800) 266-2662View Map

3443 Camino del Rio S #221San Diego, CA 92108(619) 296-6222View Map

11440 W Bernardo Ct #161San Diego, CA 92127(858) 431-9880View Map

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Exclusive Insurance Agents

These type of agents can only write with one company like Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on sales techniques which can be an advantage.

Below is a short list of exclusive insurance agencies in San Diego willing to provide rate quotes.

3555 Rosecrans St Ste 202San Diego, CA 92110(619) 223-2191View Map

2820 Camino del Rio S Ste 310San Diego, CA 92108(619) 291-1787View Map

9888 Carmel Mountain Rd Ste ASan Diego, CA 92129(858) 484-4141View Map

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Finding the right car insurance agent is decision based upon more than just the premium amount. These are some questions you should get answers to.

Tailor your insurance coverage to you

When it comes to choosing your policy, there really isn’t a “perfect” insurance plan. Your financial needs are unique.Safe vehicles cost less to insure

For instance, these questions could help you determine whether or not you may require specific advice.

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Don’t give up on cheap coverage

Discount Hyundai Accent insurance in San Diego is possible online as well as from insurance agents, so get free San Diego car insurance quotes from both of them so you have a total pricing picture. Some insurance companies don’t offer online price quotes and most of the time these smaller providers only sell coverage through independent insurance agents.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your objective should be to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Throughout this article, we presented some good ideas how to find cheaper Hyundai Accent insurance in San Diego. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. Drivers may even discover the lowest premium rates are with a small mutual company.

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