Do you want low-cost Hyundai Accent insurance in Fort Wayne? Have you fallen victim to an overpriced insurance policy? It's a common feeling and many consumers are feeling buyer's remorse and feel like there's no way out.

Insurance rates Hyundai Accent in Fort WayneA recent study showed that the majority of drivers have been with the same company for over three years, and nearly half have never even shopped around for cheaper coverage. U.S. drivers could cut their rates by up to $850 a year just by shopping around, but most tend to underestimate the rate savings if they replace their high priced policy. Due to the fact that there are so many options when it comes to insurance, it can be diffult for drivers to choose the right company.

You should make it a habit to shop coverage around occasionally because insurance prices are constantly changing. Just because you had the lowest rates on Hyundai Accent insurance in Fort Wayne a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you're about to find out one of the quickest ways to find better coverage on Hyundai Accent insurance in Fort Wayne at a better price.

Quoting and comparing rates for the best-priced auto insurance in Fort Wayne is simple if you know the tricks. If you are already insured or are shopping for new coverage, you can learn to find better prices while maximizing coverage. Smart buyers only need to know how to quote multiple rates from many different companies.

The companies shown below are ready to provide free rate quotes in Indiana. If multiple companies are listed, it's a good idea that you visit as many as you can to find the lowest car insurance rates.

Hyundai Accent Insurance Rate Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $138 $294 $250 $14 $76 $772 $64
Accent GS 2-Dr Hatchback $132 $288 $270 $16 $80 $786 $66
Accent GLS 4-Dr Sedan $114 $312 $384 $22 $114 $946 $79
Accent SE 2-Dr Hatchback $116 $322 $270 $16 $80 $804 $67
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific garaging location which can affect premium rates significantly.

How high should deductibles be?

One common question asked by Fort Wayne drivers is what deductibles to buy. The figures shown below can help show the differences in price when you buy lower versus higher insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Hyundai Accent insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $180 $358 $238 $14 $72 $887 $74
Accent GS 2-Dr Hatchback $210 $436 $238 $14 $72 $995 $83
Accent GLS 4-Dr Sedan $210 $514 $318 $18 $94 $1,179 $98
Accent SE 2-Dr Hatchback $242 $592 $238 $14 $72 $1,183 $99
Get Your Own Custom Quote Go
Hyundai Accent insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $100 $188 $238 $14 $72 $612 $51
Accent GS 2-Dr Hatchback $116 $230 $238 $14 $72 $670 $56
Accent GLS 4-Dr Sedan $116 $270 $318 $18 $94 $816 $68
Accent SE 2-Dr Hatchback $134 $312 $238 $14 $72 $770 $64
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in specific location which can lower or raise coverage prices substantially.

Based on this data, using a $100 deductible costs an average of $29 more each month or $348 for a full year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 31 months between claim filings, you would save more money if you elect the higher deductible.

Here's why car insurance is not optional

Despite the high insurance cost for a Hyundai Accent in Fort Wayne, buying car insurance serves several important purposes.

First, most states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection in order to license the vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your Accent, most banks will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank will be required to insure your Hyundai at a much higher rate and require you to fork over a much higher amount than you were paying before.

Third, car insurance preserves both your assets and your car. It will also cover many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of buying enough insurance greatly outweigh the cost, particularly if you ever have a claim. On average, a vehicle owner in Fort Wayne is currently overpaying as much as $750 every year so compare rate quotes at every policy renewal to make sure the price is not too high.

What Affects Hyundai Accent Insurance Premiums?

Lots of factors are part of the calculation when you get a price on insurance. Some are pretty understandable like an MVR report, although others are more obscure like where you live or how financially stable you are.

Buy as much liability protection as you can afford - Your policy's liability coverage kicks in in the event that you are responsible for damages caused by your negligence. Your policy's liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

Poor driving leads to higher rates - Being a careful driver has a huge affect on how much you pay. Drivers with clean records get better prices compared to bad drivers. Just one moving violation may increase your cost substantially. Drivers who have dangerous citations such as DUI, reckless driving or excessive speeding may find that they have to to file a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.

Marriage can save on insurance - Having a wife or husband can get you a discount compared to being single. It is viewed as being less irresponsible and it's statistically proven that married couples file fewer claims.

Pay more out-of-pocket - Insurance for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Hyundai. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, and burglary. Comp and collision deductibles define the amount you are willing to pay in the event of a claim. The more damage repair cost you have to pay, the lower your rates will be.

What's your car's IIHS safety rating? - Vehicles that have high safety ratings tend to be cheaper to insure. Highly rated vehicles protect occupants better and fewer injuries means your insurance company pays less which can mean better rates for you. If the Hyundai Accent is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Cheaper premiums for prior coverage - Having a gap between insurance policy dates can be a sure-fire way to bump up your insurance costs. In addition to paying higher premiums, failure to provide proof of insurance will get you a steep fine or even jail time. You may then have to file a SR-22 with the Indiana motor vehicle department.

Hyundai Accent insurance loss data - Auto insurance companies take into consideration historical loss data for every vehicle to calculate a price that will offset losses. Vehicles that the data determines to have higher loss trends will have higher premium rates.

The table below shows the loss history for Hyundai Accent vehicles. For each type of coverage, the claim amount for all vehicles, regardless of make, model or trim level, is a value of 100. Values that are 100 or less suggest a better than average loss history, while values that are above 100 point to more frequent losses or tendancy to have higher losses.

Hyundai Accent Insurance Loss Statistics

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Hyundai Accent 98 109 89 129 129 133
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Cheap Fort Wayne insurance rates with discounts

Not many people think insurance is cheap, but you might find some hidden discounts that can drop the cost substantially. Some discounts apply automatically when you quote, but some must be specially asked for before you get the savings.Insurance discounts

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most 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, companies wouldn't make money that way.

A few of the larger companies and some of the discounts are:

When getting free Fort Wayne car insurance quotes, it's a good idea to all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in Fort Wayne. To see a list of insurance companies offering insurance discounts in Indiana, click here.

Don't I need to talk to an insurance agency?

Certain consumers just prefer to talk to a local agent and there is nothing wrong with that. Agents can help you choose the best coverages and will help you if you have claims. The best thing about price shopping on the web is that you can obtain cheap auto insurance quotes and still buy from a local agent. Buying insurance from local insurance agents is important particularly in Fort Wayne.

Find insurance agent in Fort WayneFor easy comparison, once you complete this quick form, your coverage information gets sent to agents in your area that can provide free Fort Wayne car insurance quotes for your auto insurance coverage. It simplifies rate comparisons since you won't have to leave your house since rate quotes are delivered directly to your email. In the event you want to quote rates from a particular provider, don't hesitate to search and find their rate quote page and fill out the quote form the provide.

Shown below are agents in Fort Wayne that are able to give price quotes for Hyundai Accent insurance in Fort Wayne.


1018 E Dupont Rd - Fort Wayne, IN 46825 - (260) 489-3838 - View Map


4660 W Jefferson Blvd Ste 100 - Fort Wayne, IN 46804 - (260) 459-7673 - View Map


5668 St Joe Rd - Fort Wayne, IN 46835 - (260) 486-8663 - View Map


2416 Getz Rd - Fort Wayne, IN 46804 - (260) 459-1700 - View Map

More insurance agents

Choosing an provider shouldn't rely on just the quoted price. Any agent in Fort Wayne should be willing to answer these questions.

Keep this in mind when shopping around

Lower-priced car insurance in Fort Wayne can be found both online and also from your neighborhood Fort Wayne agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and most of the time these smaller companies provide coverage only through independent insurance agencies.

We just showed you many ways to compare Hyundai Accent insurance prices in Fort Wayne. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding low cost Fort Wayne car insurance quotes. Consumers could even find that the best prices are with the smaller companies. Some small companies often have lower rates on specific markets than the large multi-state companies such as Allstate and Progressive.

For more information, take a look at the following helpful articles: