Do you want an efficient way to compare low-cost Hyundai Accent insurance in Atlanta? Tired of sacrificing other expenses to pay your insurance bill each month? You’re in the same situation as many other Georgia consumers.
It’s hard to fathom, but most insurance customers kept their coverage with the same insurance company for well over three years, and approximately 40% of consumers have never even compared rates from other companies. With the average insurance premium being $1,700, Georgia drivers could save up to $959 every year by just comparing rate quotes, but they think it’s difficult to compare rates. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.
Cheapest Hyundai Accent insurance price quotes in Atlanta, Georgia
Finding more affordable Hyundai Accent insurance quotes doesn’t have to be difficult. All you need to do is spend a few minutes to compare rate quotes to find the company with affordable Atlanta car insurance quotes.
It’s so simple to compare insurance rates online makes it a waste of time to call or drive to insurance agents’ offices. Quoting Hyundai Accent insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the professional advice only provided by licensed Atlanta agents. However, consumers can get prices online but purchase the actual policy in an agency.
The following companies provide price comparisons in Georgia. If the list has multiple companies, it’s highly recommended you visit as many as you can in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $126 | $244 | $344 | $20 | $104 | $838 | $70 |
| Accent GS 2-Dr Hatchback | $286 | $600 | $342 | $20 | $102 | $1,350 | $113 |
| Accent GLS 4-Dr Sedan | $158 | $430 | $578 | $34 | $172 | $1,372 | $114 |
| Accent SE 2-Dr Hatchback | $292 | $812 | $378 | $22 | $114 | $1,618 | $135 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower premiums considerably.
Responsible drivers pay cheaper car insurance rates
The information below demonstrates how citations and at-fault accidents impact Hyundai Accent yearly insurance costs for different age groups of insureds. The rate quotes are based on a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Full coverage versus liability-only
The chart below shows the difference between Hyundai Accent auto insurance rates with and without full coverage. The data assumes a clean driving record, no at-fault accidents, $250 deductibles, married male driver, and no other discounts are factored in.
Guidelines for dropping full coverage
There is no definitive rule for excluding comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Hyundai Accent replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $3,000 after you pay the deductible. If you are currently paying more than $300 annually to have full coverage, then it could be time to drop full coverage.
There are some situations where only buying liability is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Can higher deductibles save money?
One frequently asked question is which comprehensive and collision deductibles to buy. The rates shown below can help show the premium difference between low and high policy deductibles. The first rate estimation uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $252 | $502 | $334 | $20 | $100 | $1,233 | $103 |
| Accent GS 2-Dr Hatchback | $294 | $612 | $334 | $20 | $100 | $1,385 | $115 |
| Accent GLS 4-Dr Sedan | $294 | $720 | $444 | $26 | $134 | $1,643 | $137 |
| Accent SE 2-Dr Hatchback | $338 | $830 | $334 | $20 | $100 | $1,647 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $184 | $340 | $334 | $20 | $100 | $978 | $82 |
| Accent GS 2-Dr Hatchback | $216 | $414 | $334 | $20 | $100 | $1,084 | $90 |
| Accent GLS 4-Dr Sedan | $216 | $486 | $444 | $26 | $134 | $1,306 | $109 |
| Accent SE 2-Dr Hatchback | $248 | $560 | $334 | $20 | $100 | $1,262 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in your specific Atlanta location which can decrease or increase prices substantially.
Based on these figures, using a $100 deductible costs roughly $26 more each month or $312 for a full year than requesting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at least 15 months between claims, you would most likely save money by going with a higher deductible.
Insurance is not optional but you don’t have to overpay
Even though it can be expensive, buying insurance is required in Georgia but also provides important benefits.
- Almost all states have compulsory liability insurance requirements which means you are required to carry a specific level of liability protection in order to be legal. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Accent has a lien holder, most banks will require that you buy insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Hyundai for a lot more money and force you to reimburse them for the expensive policy.
- Insurance preserves your vehicle and your assets. It will also cover most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your Hyundai gets damaged, collision and comprehensive coverages will pay to repair the damage.
The benefits of insuring your car are definitely more than the cost, especially if you ever need it. Despite what companies tell you, the average driver is currently overpaying as much as $869 every year so compare rates at least once a year to ensure rates are competitive.
Can you really save if you switch?
Georgia drivers can’t ignore all the ads for auto insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to advertise claims that you’ll save big if you move your policy.
How do they all make almost identical claims? Just pay attention to how they say it.
Most companies have a preferred profile for the right customer that makes them money. For instance, a driver they prefer may be between the ages of 30 and 50, has never had a claim, and has great credit. Any new insured that matches those criteria will probably get cheap car insurance rates and have a good chance to save quite a bit of money when switching.
Consumers who cannot meet this ideal profile will be charged a higher rate and this can result in the customer not purchasing. The trick companies use is to say “drivers who switch” not “all people who quote” save money. That is how companies can state the savings.
Because every company is different, you should compare free Atlanta car insurance quotes often. You cannot predict which company will fit your personal profile best.
Do you qualify for discounts?
Some insurers do not list the complete list of policy discounts very well, so below is a list both well-publicized and the harder-to-find credits available to lower your premiums when you buy Atlanta car insurance online.
- Senior Citizen Rates – Drivers over the age of 55 may qualify for better auto insurance rates.
- Defensive Driver Discounts – Successfully completing a safe driver course could cut 5% off your bill depending on where you live.
- Club Memberships – Being in a civic or occupational organization in Atlanta could qualify you for a break on your bill.
- Distant Student – Children who are attending college and won’t have access to an insured vehicle can receive lower rates.
- Military Deployment Discount – Having a family member in the military could qualify you for better auto insurance rates.
- Online Discount – Many insurance companies provide a small discount for buying your policy over the internet.
Keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.
A few popular companies and the discounts they provide are outlined below.
- State Farm discounts include multiple autos, anti-theft, Drive Safe & Save, driver’s education, and defensive driving training.
- American Family offers premium reductions for TimeAway discount, early bird, good driver, good student, air bags, accident-free, and Steer into Savings.
- AAA offers discounts including good driver, multi-policy, pay-in-full, AAA membership discount, and anti-theft.
- GEICO may include discounts for membership and employees, military active duty, anti-theft, emergency military deployment, and defensive driver.
- Mercury Insurance has savings for good driver, ease of repair, professional/association, multi-policy, type of vehicle, and annual mileage.
- Farmers Insurance may offer discounts for good student, teen driver, homeowner, pay in full, distant student, and youthful driver.
- Progressive has discounts for homeowner, online signing, multi-policy, continuous coverage, and good student.
Check with every insurance company which discounts they offer. Depending on the company, some discounts might not be offered on policies in your area. If you would like to choose from a list of auto insurance companies with discount auto insurance rates in Atlanta, follow this link.
Shop online but buy locally
A lot of people prefer to visit with an insurance agent and there is nothing wrong with that. Professional insurance agents will help you protect your assets and help in the event of a claim. The biggest benefit of getting free rate quotes online is you may find cheap insurance rates and still buy from a local agent. And providing support for local agents is important particularly in Atlanta.
By using this short form, your coverage information is transmitted to local insurance agents in Atlanta who will give competitive quotes for your insurance coverage. It’s much easier because you don’t need to drive around due to the fact that quote results will go to you directly. If you want to compare prices from a specific company, just visit that company’s website to submit a rate quote request.
If you would like to find a local agent, it’s helpful to know the types of agencies and how they can service your needs differently. Agencies in Atlanta can be categorized as either independent (non-exclusive) or exclusive. Both can provide insurance policies, but it’s worth mentioning how they are different since it may influence the selection process.
Independent Insurance Agents
Independent insurance agents do not have single company limitations so they can write business amongst many companies and get the cheapest rates. If your agent finds better pricing, your agent can switch companies which makes it simple for you. When comparing insurance prices, we recommend you check rates from several independent insurance agents so that you can do a thorough price comparison.
Below are Atlanta independent agencies who may be able to give you free rate quotes.
Nationwide Insurance: Tommy Jones Agency
3201 Atlanta Industrial Pkwy NW b220 – Atlanta, GA 30331 – (404) 660-3821 – View Map
Access General Agency Inc
1627 Peachtree St NE – Atlanta, GA 30309 – (404) 817-9744 – View Map
Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A – Atlanta, GA 30310 – (470) 771-3398 – View Map
Exclusive Insurance Agencies
These agents can usually just insure with one company like Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide other company’s prices so you might not find the best rates. Exclusive agents are very knowledgeable on what they offer which aids in selling service over price.
Below is a list of exclusive agencies in Atlanta that can give you price quote information.
Aaron Frazier – State Farm Insurance Agent
NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847 – View Map
DeWayne Hrabowski – State Farm Insurance Agent
1120 Ralph David Abernathy Blvd SW #4 – Atlanta, GA 30310 – (404) 758-5400 – View Map
Bryant Thompson – State Farm Insurance Agent
2230 Cascade Rd SW – Atlanta, GA 30311 – (404) 228-6085 – View Map
Picking an insurance agent requires you to look at more than just the bottom line cost. Get answers to these questions too.
- What will you get paid if your car is a total loss? How is that amount determined?
- Will one accident increase rates?
- Will you get a loaner vehicle if you car is being repaired?
- Is there any savings for paying the full premium?
- Can glass repairs be made at your home?
- When do they do a full risk review?
- Which members of your family are coverage by the policy?
There’s no such thing as the perfect car insurance policy
Keep in mind that when it comes to choosing a policy for your vehicles, there really isn’t a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply.
These are some specific questions may help you determine whether your personal situation would benefit from professional advice.
- When can I cancel my policy?
- What is the rate difference between pleasure use and commuting?
- Do I need special endorsements for business use of my vehicle?
- When can my company non-renew my policy?
- Do I have coverage when making deliveries for my home business?
- When should I not file a claim?
- Why does it cost so much to insure a teen driver in Atlanta?
- What is GAP insurance?
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
Compare insurance prices regularly to save
Lower-priced insurance in Atlanta is definitely available from both online companies and with local Atlanta insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer internet price quotes and these smaller companies work with local independent agents.
We covered quite a bit of information on how to compare Hyundai Accent insurance rates in Atlanta. The most important thing to understand is the more you quote Atlanta car insurance, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates are with the least-expected company. Regional companies often have lower car insurance rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.
Additional information can be read on the following sites:
- How to Avoid Staged Accidents (State Farm)
- How Much are Auto Insurance Quotes for a Chevrolet Equinox in Atlanta? (FAQ)
- Who Has Affordable Auto Insurance for Veterans in Atlanta? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Credit and Insurance Scores (Insurance Information Institute)