It’s easy to assume that insurance companies don’t want you to look at other companies. Consumers who shop around at least once a year are inclined to switch companies because there are good odds of finding more affordable rates. A study showed that consumers who compared rates regularly saved approximately $3,400 over four years as compared to drivers who never compared other company’s rates.
If finding the lowest price for Hyundai Accent insurance in Kansas City is your goal, then having some knowledge of how to compare insurance coverage can save money and time.
The best way to find better pricing on auto insurance rates in Kansas City is to start comparing rates regularly from insurance carriers that sell auto insurance in Missouri. Rates can be compared by following these guidelines.
- First, take a little time to learn about auto insurance and the steps you can take to keep rates low. Many rating factors that increase rates such as careless driving and a less-than-favorable credit history can be remedied by making minor driving habit or lifestyle changes. Later in this article we will cover additional tips to help find cheaper rates and get additional discounts.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote prices for many different companies.
- Third, compare the new quotes to your current policy to see if you can save by switching companies. If you can save some money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, provide written notification to your current company of your decision to cancel the current policy and submit the application along with any required down payment to your new agent or company. Once the paperwork is finalized, place your new proof of insurance paperwork in your vehicle’s glove compartment or console.
An important part of this process is that you’ll want to compare the same liability limits and deductibles on each price quote and and to look at as many companies as you can. This helps ensure an accurate price comparison and plenty of rates choose from.
Smart Consumers Can Slash Their Insurance Costs
One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help calculate your premiums. If you understand what impacts premium levels, this enables you to make decisions that could help you find cheaper rates.
Safer vehicles mean better premiums – Cars with five star safety ratings are cheaper to insure. These vehicles result in less severe injuries and lower injury rates means lower claim amounts which can mean better rates for you.
Too many insurance claims will drive premiums up – If you tend to file frequent claims, you can definitely plan on higher rates. Companies in Missouri give the lowest premiums to policyholders who are claim-free. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Rates can drop if you have more than one policy – Most major insurers give lower prices to clients who have multiple policies with them. It’s known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to help guarantee you have the best rates. It’s possible to still save even more than the discount by buying car insurance from a different company.
Cautious drivers have lower costs – A bad driving record impacts your car insurance rates tremendously. Attentive drivers pay lower auto insurance prices than their less careful counterparts. Just one speeding ticket or other violation can increase the cost of insurance substantially. Drivers who have received serious citations like hit and run, DWI or reckless driving convictions may be required to complete a SR-22 with their state motor vehicle department in order to continue driving.
The example below demonstrates how speeding tickets and at-fault accidents influence Hyundai Accent premium costs for each age group. The data assumes a single female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
Prevent theft and save – Choosing to buy a car with a theft deterrent system can help lower your premiums. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft and help bring rates down.
Performance affects insurance costs – The performance level of the car or truck you are buying insurance for makes a substantial difference in determining your rates. Small economy passenger models normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
The data below assumes a married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Hyundai Accent rates compared to other models that have a range of risk factors.
Your location is important – Residing in small towns and rural areas is a positive aspect when trying to find low car insurance rates. Fewer drivers and short commutes means less chance of accidents and lower theft and vandalism rates. Residents of big cities have to deal with traffic congestion and a longer drive to work. Spending more time driving means a statistically higher chance of an accident.
Hyundai Accent insurance loss probability – Insurance companies analyze the history of losses to help determine prices. Models that have a trend towards higher claims will have higher rates. The table below demonstrates the historical insurance loss data for Hyundai Accent vehicles.
For each policy coverage type, the loss probability for all vehicles averaged together is considered to be 100. Percentages below 100 imply a favorable loss record, while values that are 100 or greater indicate higher probability of having a loss or a tendency for losses to be larger than average.
| Specific Hyundai Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Accent | 98 | 109 | 89 | 129 | 129 | 133 |
Statistics from IIHS.org for 2013-2015 Model Years
Many insurance companies allow consumers to get insurance quotes direct online. Getting Hyundai Accent insurance prices online is pretty easy because you just enter your personal and coverage information into the quote form. After you submit the form the quote system orders credit information and your driving record and generates a price based on many factors.
Getting online price quotes for Hyundai Accent insurance in Kansas City makes it a lot easier to compare rates and it’s also necessary to compare as many rates as possible if you want to get the most affordable premium possible.
To save time and get comparison pricing now, compare rates now from the companies shown below. To compare your current rates, we recommend you type in the insurance coverages as close as possible to your current policy. Doing this assures you’re receiving rate quotes based on identical coverages.
The car insurance companies shown below have been selected to offer free rate quotes in Missouri. If you wish to find cheap auto insurance in Kansas City, we suggest you visit several of them to get a more complete price comparison.
Hyundai Accent insurance rates and statistics
The coverage information shown next showcases different coverage prices for Hyundai Accent models. Learning more about how insurance prices are determined can assist in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $132 | $280 | $238 | $14 | $72 | $736 | $61 |
| Accent GS 2-Dr Hatchback | $154 | $340 | $238 | $14 | $72 | $818 | $68 |
| Accent GLS 4-Dr Sedan | $154 | $400 | $316 | $18 | $94 | $982 | $82 |
| Accent SE 2-Dr Hatchback | $176 | $462 | $238 | $14 | $72 | $962 | $80 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in specific Kansas City garaging location which can revise rates noticeably.
Where to set your deductibles
One of the more difficult decisions when buying insurance is how high should the physical damage deductibles be. The tables below sum up the price difference between high and low physical damage coverage deductibles. The first data set uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $152 | $286 | $226 | $14 | $68 | $771 | $64 |
| Accent GS 2-Dr Hatchback | $180 | $346 | $226 | $14 | $68 | $859 | $72 |
| Accent GLS 4-Dr Sedan | $180 | $408 | $302 | $18 | $90 | $1,023 | $85 |
| Accent SE 2-Dr Hatchback | $206 | $470 | $226 | $14 | $68 | $1,009 | $84 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $94 | $180 | $226 | $14 | $68 | $582 | $49 |
| Accent GS 2-Dr Hatchback | $110 | $218 | $226 | $14 | $68 | $636 | $53 |
| Accent GLS 4-Dr Sedan | $110 | $258 | $302 | $18 | $90 | $778 | $65 |
| Accent SE 2-Dr Hatchback | $128 | $296 | $226 | $14 | $68 | $732 | $61 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price information does not factor in vehicle garaging location which can decrease or increase auto insurance rates greatly.
Based on the data above, we can derive that using a $250 deductible costs approximately $19 more each month or $228 a year across all Hyundai Accent models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 39 months between claims, you would most likely save money by going with a higher deductible.
The example below demonstrates how deductibles and can impact Hyundai Accent annual premium costs for different age groups. The price estimates are based on a married male driver, full coverage, and no policy discounts are applied.
Age, gender, and Hyundai Accent insurance
The information below compares Hyundai Accent insurance costs for male and female drivers. The premium estimates are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied.
Cost difference between full coverage and liability
The illustration below shows the difference between Hyundai Accent annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The data assumes no claims or violations, $100 deductibles, drivers are not married, and no discounts are applied.
When to stop buying physical damage coverage
There is no definitive formula of when to phase out full coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Hyundai Accent replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying your policy deductible. If you are paying more than $200 annually to have full coverage, then you might consider buying liability only.
There are some conditions where eliminating full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Auto insurance does more than just protect your car
Even though it’s not necessarily cheap to insure a Hyundai in Kansas City, paying for auto insurance is not optional due to several reasons.
- Just about all states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage in order to drive the car legally. In Missouri 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.
- If your Hyundai has a lienholder, more than likely the lender will force you to carry insurance to protect their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Hyundai at a much higher rate and force you to pay for the expensive policy.
- Insurance safeguards not only your car but also your assets. It will also cover medical bills for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of buying enough insurance more than offset the price you pay, particularly for liability claims. On average, a vehicle owner in Kansas City is currently overpaying as much as $850 per year so it’s very important to do a rate comparison at every renewal to help ensure money is not being wasted.
Auto insurance quotes and discounts
Some insurers don’t always publicize every possible discount very clearly, so the below list has some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.
- Pay Early and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you can actually save on your bill.
- Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle can be considerably cheaper since new model year vehicles are generally safer.
- Student Discount for Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education if it’s offered in school.
- College Student – Youth drivers who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
- Professional Memberships – Participating in qualifying employment or professional organizations could qualify you for a break on your next renewal.
- Senior Discount – Mature drivers may qualify for better auto insurance rates.
Don’t be surprised that some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you could get a free auto insurance policy, nobody gets a free ride.
The diagram below illustrates the comparison of Hyundai Accent insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, no claims or driving citations, Missouri 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 multi-policy, homeowner, safe-driver, marriage, multi-car, and claim-free discounts applied.
A few of the larger companies and a partial list of their discounts are detailed below.
- Progressive offers discounts including multi-vehicle, multi-policy, homeowner, online quote discount, and online signing.
- AAA policyholders can earn discounts including multi-car, AAA membership discount, good student, anti-theft, pay-in-full, good driver, and education and occupation.
- Farmers Insurance may offer discounts for alternative fuel, multi-car, youthful driver, bundle discounts, and pay in full.
- GEICO has savings for seat belt use, emergency military deployment, anti-lock brakes, military active duty, five-year accident-free, and multi-vehicle.
- Esurance has discounts for anti-lock brakes, Pac-12 alumni, homeowner, online shopper, safety device, and online quote.
- SAFECO offers discounts for multi-car, bundle discounts, drive less, homeowner, teen safe driver, and accident prevention training.
- State Farm includes discounts for multiple autos, defensive driving training, accident-free, passive restraint, anti-theft, good driver, and student away at school.
If you are trying to find the cheapest Hyundai Accent rate quotes, ask every company to give you their best rates. Some of the discounts discussed earlier might not be offered on policies in Kansas City. If you would like to choose from a list of providers who offer auto insurance discounts in Kansas City, click this link.
Local neighborhood insurance agents
A small number of people still prefer to go talk to an agent and that is not a bad decision Insurance agents can help you build your policy and help in the event of a claim. One of the great benefits of getting online price quotes is that you can find cheap rate quotes and still have an agent to talk to. Buying from and supporting local insurance agents is important especially in Kansas City.
Once you complete this simple form, your information is immediately sent to participating agents in Kansas City that provide free Kansas City auto insurance quotes for your coverage. You never need to do any legwork due to the fact that quote results will go immediately to you. If you have a need to get a comparison quote from a specific insurance company, you just need to search and find their rate quote page and give them your coverage information.
Picking an company requires you to look at more than just a cheap price quote. The following questions are important to ask.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Does the agency have a good rating with the Better Business Bureau?
- Do they review policy coverages at every renewal?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they offer claims assistance after hours?
After receiving good responses as well as a affordable price, it’s a good possibility that you have found an insurer that is reputable and can insure your vehicles. But remember, you have the power to cancel a policy whenever you choose to so never assume you’re contractually obligated to your new company with no way to switch.
Missouri auto insurance companies ranked
Ending up with the best auto insurance provider is hard considering how many choices drivers have in Missouri. The company information in the next section could help you choose which car insurance providers to look at comparing rates from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
When do I need an agent’s advice?
Keep in mind that when it comes to choosing the right insurance coverage, there is no perfect coverage plan. You are unique so your insurance should reflect that
Here are some questions about coverages that may help you determine if your situation could use an agent’s help.
- Do I pay less for low miles?
- If my Hyundai Accent is totaled, can I afford another vehicle?
- Can I afford to pay high deductible claims out of pocket?
- Will damage be repaired with OEM parts?
- What happens if I owe more than my Hyundai Accent is worth?
- Do I need more liability coverage?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Be persistent to save money
You just learned some good ideas how you can compare Hyundai Accent insurance rates in Kansas City. The key concept to understand is the more you quote Kansas City auto insurance, the better likelihood of getting affordable Hyundai Accent insurance quotes. You may even be surprised to find that the best price on auto insurance is with an unexpected company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.
A few companies may not offer online quoting and many times these smaller providers only sell coverage through independent insurance agencies. Cheaper auto insurance in Kansas City is possible on the web as well as from insurance agents, and you need to price shop both to have the best selection.
When searching for affordable Kansas City auto insurance quotes, don’t be tempted to buy poor coverage just to save money. In too many instances, drivers have reduced full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.
For more information, link through to the articles below:
- Understanding your Policy (NAIC.org)
- Who Has Cheap Auto Insurance Quotes for High Mileage Drivers in Kansas City? (FAQ)
- Who Has Cheap Car Insurance Rates for Hybrid Vehicles in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance Rates for Electric Cars in Kansas City? (FAQ)
- Who Has Cheap Kansas City Auto Insurance for Uber Drivers? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Electronic Stability Control FAQ (iihs.org)