Best Hyundai Accent Insurance in Santa Ana

How many times have you told yourself it's time to shop around for the cheapest Hyundai Accent insurance in Santa Ana? Pretty sure you bought an overpriced auto insurance policy? You're in good company because there are lots of Santa Ana residents who feel the same.

Astonishing but true, a large majority of drivers kept their policy with the same company for a minimum of four years, and approximately 38% of consumers have never taken the time to shop around. Many drivers in Santa Ana could save an average of $500 each year just by shopping around, but they underestimate how much savings they would realize if they moved their coverage to a different company. Due to the increasing number of companies to choose from that have lower-cost insurance for a Hyundai Accent in Santa Ana, it can be challenging to find the lowest price insurance company.

Smart consumers take time to do rate comparisons every six months because prices change regularly. Despite the fact that you may have had the lowest rate on Hyundai Accent insurance in Santa Ana a year ago the chances are good that you can find a lower premium rate today. There are a lot of ways to save on Accent insurance out there, but by reading this article, you're going to learn some guaranteed methods to quit paying high auto insurance rates in Santa Ana.

The quickest method to compare insurance rates from multiple companies is to know the fact car insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is give the companies some data including coverage limits, distance driven, your credit rating estimate, and how old drivers are. Those rating factors is automatically sent to many different companies and they provide comparison quotes within a short period of time.

If you wish to get multiple quotes for your Hyundai Accent now, click here and enter your zip code.

The companies shown below can provide free quotes in California. If several companies are displayed, we recommend you click on several of them in order to get a fair rate comparison.

Insurance statistics and figures

The price information displayed next highlights different insurance premium costs for Hyundai Accent models. Being more informed about how policy rates are figured can benefit drivers when making informed coverage decisions.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Prices do not factor in zip code location which can influence auto insurance rates substantially.

Physical damage deductible comparison

One common question asked by Santa Ana drivers is at what level do you set your deductibles. The data tables below help summarize the price difference between high and low deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in vehicle garaging location which can influence coverage rates substantially.

We can derive from the above data that using a $100 deductible costs roughly $30 more each month or $360 each year averaged for all Accent models than buying the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 13 months between claim filings, you would probably come out ahead going with the higher deductible.

The diagram below highlights how deductible selection and can raise or lower Hyundai Accent annual premium costs for different age groups. Data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Careless drivers pay higher rates

The diagram below illustrates how traffic citations and accidents can increase Hyundai Accent insurance rates for different ages of insureds. Data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Impact of age and gender on insurance rates

The chart below illustrates the comparison of Hyundai Accent car insurance costs for male and female drivers. The costs are based on no claims or violations, comp and collision included, $500 deductibles, drivers are not married, and no discounts are applied.

Why you need insurance for your Hyundai Accent

Even though it can be expensive, paying for insurance serves a purpose in several ways.

• Most states have mandatory insurance requirements which means state laws require a minimum amount of liability coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you took out a loan on your vehicle, it's guaranteed your bank will require you to have insurance to guarantee payment of the loan. If you default on your policy, the lender may have to buy a policy to insure your Hyundai for a lot more money and require you to fork over much more than you were paying before.
• Insurance protects both your Hyundai Accent and your assets. Insurance will pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.

The benefits of buying enough insurance greatly outweigh the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays as much as $865 each year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.

Cut your car insurance rates with these six discounts

Car insurance is not cheap nor is it fun to buy but there are discounts available to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be specially asked for prior to receiving the credit.

• Multi-policy Discount - If you can bundle your auto and homeowners insurance and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
• Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
• Active Service Discounts - Being deployed with a military unit could qualify you for better prices.
• Safety Restraint Discount - Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
• Senior Citizens - Older drivers can possibly qualify for better car insurance rates.
• Defensive Driver - Passing a course in safe driver can save you 5% or more and easily pay for the cost of the class.

As is typical with insurance, most of the big mark downs will not be given to the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, insurance companies wouldn't stay in business.

The diagram below illustrates the difference between Hyundai Accent annual premium costs with and without discounts applied. The prices are based on a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-policy, homeowner, and multi-car discounts applied.

Some of the insurance companies that may offer these benefits include:

• GEICO
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

When comparing rates, check with all companies you are considering which discounts can lower your rates. A few discounts may not apply in your area. If you would like to see a list of companies that can offer you the previously mentioned discounts in California, follow this link.

Everyone needs different auto insurance coverages

When choosing a policy, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs and your auto insurance should unique, too. Here are some questions about coverages that may help you determine whether or not you may require specific advice.

• Does my policy cover me if I wreck while driving under the influence?
• Should I have combined single limit or split liability limits?
• Is upholstery damage covered by car insurance?
• What vehicles should carry emergency assistance coverage?
• Do I need added coverage for expensive stereo equipment?
• Can I afford to buy a different vehicle if my Hyundai Accent is totaled?
• Is business property covered if stolen from my car?

If you're not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don't have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Independent versus exclusive insurance agencies

Certain consumers just prefer to talk to a local agent and that can be a smart move Licensed agents can answer important questions and help in the event of a claim. The best thing about comparing insurance online is that you can find better rates and still buy from a local agent. Buying insurance from local agents is important particularly in Santa Ana.

For easy comparison, once you complete this quick form, the quote information is instantly submitted to local insurance agents in Santa Ana who will return price quotes for your insurance coverage. You don't have to drive around since price quotes are sent to the email address you provide. If you wish to get a rate quote from a specific insurance company, don't hesitate to go to their quote page and give them your coverage information.

Independent or Exclusive: It's your choice

If you prefer to buy insurance from a local Santa Ana insurance agent, you must know there are a couple types of agencies and how they can quote your rates. Agents are classified as either exclusive or independent (non-exclusive). Both types of agents can do a good job, but we need to point out how they are different since it can impact buying decisions.

Independent Insurance Agencies

Agents that elect to be independent are not restricted to one company and that is an advantage because they can write policies through lots of different companies depending on which coverage is best. If they find a lower price, the business is moved internally and you don't have to switch agencies. When searching for an agent, we highly recommend that you check rates from independent agents to get the most accurate price comparison.

Listed below is a small list of independent agencies in Santa Ana who may be able to give you rate quotes.

More insurance agents

Exclusive Insurance Agents

Exclusive agents have only one company to place business with and examples are Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are usually quite knowledgeable on their company's products which helps offset the inability to provide other markets.

Listed below is a short list of exclusive insurance agencies in Santa Ana willing to provide price quotes.

More insurance agents

Selecting an insurance agent should depend on more than just a cheap price quote. Ask your prospective agent these questions:

• Do you need full coverage on every vehicle?
• Is auto insurance their primary focus in Santa Ana?
• If independent agents, which companies do they recommend?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Are there any discounts for paying up front?
• In the event of vehicle damage, can you pick the collision repair facility?
• Do they have 24-hour customer assistance?

Upon getting good feedback for all questions you ask as well as offering an affordable quote, you've probably found an insurance agency that meets the requirements to provide insurance coverage.

Auto insurance 101

Having a good grasp of auto insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage - This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Hyundai Accent.

Since a lot of drivers carry very low liability coverage limits (15/30/5 in California), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Liability insurance - This coverage protects you from injuries or damage you cause to other's property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn't cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, medical expenses, funeral expenses and court costs. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible. California requires minimum liability limits of 15/30/5 but it's recommended drivers buy higher limits.

The chart below shows why buying minimum limits may not be high enough to cover claims.

Comprehensive auto coverage - Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, fire damage, a tree branch falling on your vehicle and theft. The maximum payout you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Collision - Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your Accent to bring the cost down.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for prosthetic devices, rehabilitation expenses, pain medications and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Ratings for California auto insurance companies

Buying coverage from the best car insurance company is hard considering how many different insurance companies sell coverage in Santa Ana. The rank data shown next may help you choose which auto insurance companies you want to consider when looking for cheaper rates.

Top 10 Santa Ana Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Compare but don't skimp

Some insurance providers don't offer price quotes online and many times these smaller providers prefer to sell through independent agencies. Budget-friendly auto insurance in Santa Ana can be bought from both online companies in addition to many Santa Ana insurance agents, and you should compare price quotes from both to get a complete price analysis.

While you're price shopping online, you should never buy poor coverage just to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits and learned later they didn't purchase enough coverage. Your aim should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

We just showed you a lot of techniques to compare Hyundai Accent insurance car insurance rates in Santa Ana. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest Hyundai Accent rate quotes. You may even discover the lowest car insurance rates come from the least-expected company. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.

How to find more affordable Hyundai Accent insurance in Santa Ana

If saving money is your primary concern, then the best way to find cheaper Hyundai Accent insurance is to make a habit of regularly comparing prices from insurance carriers that sell auto insurance in Santa Ana.

• First, get an understanding of how insurance companies determine prices and the things you can change to drop your rates. Many things that cause rate increases like distracted driving and a substandard credit history can be eliminated by making minor changes to your lifestyle.
• Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple insurance companies.
• Third, compare the new rate quotes to your existing coverage and determine if there is any savings. If you find a better price, make sure there is no lapse in coverage.
• Fourth, tell your current company to cancel the current policy. Submit a down payment along with a signed application for your new coverage. As soon as you have the new policy, keep your new proof of insurance paperwork with your vehicle's registration.

A key point to remember is to compare the same liability limits and deductibles on each quote and to quote with as many auto insurance providers as possible. Doing this enables an apples-to-apples comparison and a complete price analysis.

For more information, link through to the following helpful articles:

• Comprehensive Coverage (Liberty Mutual)
• Who Has Cheap Auto Insurance for Unemployed Drivers in Santa Ana? (FAQ)
• Who Has Cheap Santa Ana Auto Insurance Quotes for a Nissan Versa? (FAQ)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Safety Tips for Teen Drivers (Insurance Information Institute)