If you’re trying to find more affordable insurance online, are you overwhelmed by the sheer number of car insurance sources that you can choose from? Florida vehicle owners have so many options that it can easily become a burden to lower your car insurance rates for Hyundai Accent insurance in Miami. If you’ve ever been there, you know that Miami is an excellent city in which to live, but expensive car insurance premiums can make it hard for many drivers to buy proper levels of coverage.
We don’t have to tell you that car insurance companies want to keep you from shopping around. Consumers who shop around for the cheapest rate are likely to move their business because they stand a good chance of finding lower prices. A recent survey discovered that people who compared price quotes annually saved on average $860 a year compared to other drivers who never compared other company’s rates.
If finding the cheapest price on auto insurance is your target objective, understanding how to get price quotes and compare car insurance can make it simple to find affordable coverage.
Quoting and buying more affordable protection in Miami is not as time-consuming as you think. Practically each driver who compares rates for insurance should be able to reduce their rates. Nevertheless, Florida consumers do need to know how big insurance companies charge you for coverage and use it to find better rates.
Cheapest companies for Hyundai Accent insurance
The providers in the list below offer quotes in Miami, FL. If you want to find cheap auto insurance in Miami, it’s a good idea that you get rates from several of them in order to get a fair rate comparison.
Hyundai Accent insurance rates and statistics
The data table shown below covers different policy rates for Hyundai Accent models. Having a good grasp of how insurance policy rates are formulated can aid in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $168 | $352 | $372 | $22 | $112 | $1,026 | $86 |
| Accent GS 2-Dr Hatchback | $196 | $430 | $372 | $22 | $112 | $1,132 | $94 |
| Accent GLS 4-Dr Sedan | $196 | $506 | $494 | $30 | $148 | $1,374 | $115 |
| Accent SE 2-Dr Hatchback | $226 | $582 | $372 | $22 | $112 | $1,314 | $110 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Information does not factor in vehicle garaging location which can modify premium rates substantially.
Higher deductibles lower rates
When comparing car insurance rates, the most common question is how high should your deductibles be. The data tables below can help illustrate the difference in cost when you choose different physical damage coverage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $240 | $446 | $354 | $20 | $106 | $1,191 | $99 |
| Accent GS 2-Dr Hatchback | $280 | $544 | $354 | $20 | $106 | $1,329 | $111 |
| Accent GLS 4-Dr Sedan | $280 | $640 | $472 | $28 | $142 | $1,587 | $132 |
| Accent SE 2-Dr Hatchback | $322 | $736 | $354 | $20 | $106 | $1,563 | $130 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $148 | $280 | $354 | $20 | $106 | $908 | $76 |
| Accent GS 2-Dr Hatchback | $174 | $342 | $354 | $20 | $106 | $996 | $83 |
| Accent GLS 4-Dr Sedan | $174 | $402 | $472 | $28 | $142 | $1,218 | $102 |
| Accent SE 2-Dr Hatchback | $200 | $464 | $354 | $20 | $106 | $1,144 | $95 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in vehicle location which can modify prices significantly.
Using the data above, we can ascertain that using a $250 deductible costs approximately $29 more each month or $348 a year than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 26 months between claim filings, you would most likely save money if you choose the higher deductible.
Reckless driving habits raise car insurance rates
The diagram below illustrates how speeding tickets and accidents can increase Hyundai Accent yearly insurance costs for each age group. The premium estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Annual premiums comparing men and women
The diagram below compares Hyundai Accent auto insurance rates for male and female drivers. The costs are based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied.
How to Lower Your Insurance Costs
Multiple criteria are considered when premium rates are determined. Most are fairly basic like an MVR report, although some other factors are not as apparent such as your credit history or your vehicle rating.
Know your vehicle’s NHTSA crash test rating – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and lower rates of occupant injuries means less claims paid and thus lower rates.
Prices are affected by your address – Residing in a rural area is a good thing when insuring your vehicles. People who live in big cities have to deal with more auto accidents and more severe claims. Fewer drivers and short commutes means a lower chance of having an accident and also fewer theft and vandalism claims.
Older drivers are lower risk – Older drivers are shown to be more cautious, are lower risk to insure, and usually have better credit. Teenage drivers have been known to be inattentive when behind the wheel and because of this, their car insurance rates are much higher.
The following data assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Higher rates for high stress occupations – Did you know your job can affect your rates? Occupations such as military personnel, executives, and miners generally pay higher premium rates attributed to job stress and lengthy work days. On the other hand, occupations such as scientists, athletes and homemakers get better rates.
Hyundai Accent insurance loss data – Insurance companies analyze historical claim data to help determine rates. Vehicles that are shown to have higher loss trends will have higher premium rates.
The table below shows the compiled insurance loss statistics for Hyundai Accent vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is considered to be 100. Numbers under 100 suggest losses that are better than average, while values that are above 100 indicate frequent claims or statistically larger losses.
| Specific Hyundai Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Accent | 98 | 109 | 89 | 129 | 129 | 133 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Take policy discounts and save on Hyundai Accent insurance in Miami
Some insurance providers don’t necessarily list all their discounts very well, so here is a list a few of the more common and also the more inconspicuous credits that may apply to you.
- Senior Citizen Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
- Claim Free – Good drivers with no accidents can save substantially when compared to insureds who have frequent claims or accidents.
- Discount for Home Ownership – Simply owning a home can get you a discount due to the fact that maintaining a home demonstrates responsibility.
- Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts could save 15% off the PIP or medical payment premium.
- E-sign Discounts – A few companies will provide an incentive for signing up over the internet.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
- Discount for New Cars – Adding a new car to your policy can get you a discount compared to insuring an older model.
Drivers should understand that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.
The information below shows the difference between Hyundai Accent yearly insurance costs with and without discounts applied to the policy rates. The prices are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 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, multi-policy, and marriage discounts applied.
For a list of providers that offer discounts in Florida, click here to view.
Compare prices but still have a local neighborhood Miami car insurance agent
Some consumers prefer to buy from a local agent and that is a personal choice. The best thing about price shopping on the web is that you can obtain cheaper car insurance rates but also keep your business local. Supporting local insurance agents is especially important in Miami.
To help locate an agent, after submitting this short form, your insurance coverage information is emailed to local insurance agents who will gladly provide quotes for your auto insurance coverage. You won’t need to even leave your home since price quotes are sent directly to your email. You can find lower rates and a licensed agent to talk to. In the event you want to get a price quote from a specific insurance company, just navigate to their website and fill out the quote form the provide.
The following is a list of insurers in Miami that may be willing to give comparison quotes for Hyundai Accent insurance in Miami.
- Allstate Insurance: Eduardo Ferraz
1110 Brickell Ave Ste 105 – Miami, FL 33131 – (305) 379-3666 – View Map - Estrella Insurance #110
1201 SW 8th St – Miami, FL 33135 – (305) 859-8558 – View Map - Tadeo Insurance Agency, Inc.
9120 SW 40th St – Miami, FL 33165 – (305) 553-1760 – View Map - Gus Figueredo – State Farm Insurance Agent
7950 W Flagler St #103 – Miami, FL 33144 – (305) 262-0440 – View Map
Picking the best insurance company is decision based upon more than just a cheap quote. The questions below may impact your decision as well.
- Are they able to provide referrals?
- Is assistance available after office hours?
- Do they offer rental car reimbursement?
- When do they do policy reviews?
- Are claims handled at the agent’s location?
- Do they have a Better Business Bureau rating in Miami?
- Can you use your own choice of collision repair facility?
What is the best car insurance company in Miami?
Ending up with the right car insurance provider is hard considering how many companies there are to choose from in Miami. The company information in the lists below may help you select which insurers to look at comparing rates from.
Top 10 Miami Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Miami Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Quote often and quote early
We just covered many ideas to get a better price on Hyundai Accent insurance in Miami. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best rates are with a lesser-known regional company.
More affordable insurance in Miami can be purchased on the web and from local insurance agents, so get free Miami auto insurance quotes from both of them to get a complete price analysis. Some companies may not have price quotes online and usually these small insurance companies work with independent agents.
People leave their current company for a variety of reasons including policy cancellation, unfair underwriting practices, policy non-renewal and being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.
How to save on Hyundai Accent insurance in Miami
If you want to save the most money, the best way to get low-cost Hyundai Accent insurance is to start comparing prices yearly from different companies in Miami.
Step 1: Get an understanding of how companies set rates and the things you can control to lower rates. Many risk factors that increase rates like accidents, traffic tickets, and a less-than-favorable credit history can be rectified by making minor changes to your lifestyle.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide price quotes from multiple companies.
Step 3: Compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Notify your company or agent to cancel your current auto insurance policy. Submit a down payment along with a completed application for the new policy. As soon as you have the new policy, keep the new certificate of insurance above your visor, in the console, or in the glove compartment.
A good piece of advice is to use identical coverages on each quote request and and to analyze as many different insurance providers as possible. Doing this provides the most accurate price comparison and a better comparison of the market.
More articles
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- What Insurance is Cheapest for High School Students in Miami? (FAQ)
- Who Has the Cheapest Auto Insurance for Electric Cars in Miami? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Low Mileage Drivers in Miami? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- All About Airbag Safety (State Farm)
- Safety Features for Your New Car (State Farm)