Would you like an easy way to compare lower-priced insurance rates in Philadelphia, PA? Philadelphia drivers have options when trying to find affordable Hyundai Accent insurance. They can either waste time calling around getting price quotes or leverage the internet to get rate quotes. There is a better way to shop for insurance and you need to know the proper way to quote coverages for a Hyundai and get the best price possible from Philadelphia insurance agents and online providers.
Most major insurance companies like GEICO, State Farm and Progressive give coverage prices directly from their websites. Getting quotes for Hyundai Accent insurance in Philadelphia doesn’t take much effort as you simply enter your personal and coverage information as requested by the quote form. After you complete the form, the quote system automatically orders credit information and your driving record and generates a price based on these and other factors.
Being able to quote online for Hyundai Accent insurance in Philadelphia simplifies rate comparisons, and it is important to compare as many rates as possible if you want to get the best rate.
To save time and compare rates using this form now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you duplicate the coverage information just like they are on your policy. This way, you will get a price comparison using the exact same coverages.
The companies shown below are our best choices to provide comparison quotes in Pennsylvania. If more than one company is shown, it’s highly recommended you get rate quotes from several of them to get the best price comparison.
Auto insurance rates and discounts
Auto insurance is not cheap nor is it fun to buy but companies offer discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time of quoting, but lesser-known reductions have to be specifically requested before you get the savings.
- Senior Citizen Rates – Drivers over the age of 55 are able to get better auto insurance rates.
- Discount for Multiple Policies – When you have multiple policies with one insurance company you could get a discount of nearly 15% which can help you find cheaper Accent insurance.
- Professional Memberships – Having an affiliation with qualifying employment or professional organizations could qualify you for a break when shopping for auto insurance.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life policy as well.
- Save with a New Car – Insuring a new Accent can be considerably cheaper since new vehicles have better safety ratings.
- Drivers Education – Cut your cost by having your teen driver take driver’s ed class in school or through a local driver safety program.
- Pay Upfront and Save – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
- Accident Waiver – Not necessarily a discount, but some companies like GEICO, Allstate and Liberty Mutual allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
The diagram below shows the difference between Hyundai Accent auto insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, safe-driver, and claim-free discounts applied.
The best auto insurance companies and some of their more popular discounts can be read below.
- State Farm may offer discounts for multiple policy, multiple autos, Steer Clear safe driver discount, good driver, Drive Safe & Save, defensive driving training, and safe vehicle.
- GEICO discounts include multi-vehicle, anti-lock brakes, federal employee, emergency military deployment, membership and employees, good student, and daytime running lights.
- Allstate has discounts for passive restraint, defensive driver, EZ pay plan discount, good student, and FullPay discount.
- SAFECO offers premium reductions for teen safety rewards, homeowner, multi-car, bundle discounts, anti-lock brakes, teen safe driver, and anti-theft.
- Farm Bureau may include discounts for 55 and retired, youthful driver, multi-vehicle, renewal discount, good student, multi-policy, and safe driver.
- Progressive includes discounts for multi-vehicle, online quote discount, continuous coverage, good student, and online signing.
- AAA offers discounts for anti-theft, multi-policy, AAA membership discount, pay-in-full, and good driver.
If you are trying to find the cheapest Hyundai Accent rate quotes, ask all the companies what discounts are available to you. Savings may not apply in every state. If you would like to choose from a list of companies that offer discounts in Pennsylvania, click this link.
Hyundai Accent insurance charts and tables
The rate table below highlights a range of policy rates for Hyundai Accent models. Having a good understanding how auto insurance premiums are formulated is important for making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $162 | $346 | $316 | $18 | $94 | $936 | $78 |
| Accent GS 2-Dr Hatchback | $190 | $420 | $316 | $18 | $94 | $1,038 | $87 |
| Accent GLS 4-Dr Sedan | $190 | $494 | $420 | $24 | $126 | $1,254 | $105 |
| Accent SE 2-Dr Hatchback | $218 | $570 | $316 | $18 | $94 | $1,216 | $101 |
| Get Your Own Customized Quote Go | |||||||
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price information does not factor in specific garaging location which can revise coverage rates noticeably.
Deductible comparison
One of the more difficult decisions when buying car insurance is which deductibles should you choose. The rates below summarize how much more you’ll pay when you choose different physical damage coverage deductibles. The first set of prices uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $210 | $420 | $280 | $16 | $84 | $1,035 | $86 |
| Accent GS 2-Dr Hatchback | $246 | $512 | $280 | $16 | $84 | $1,163 | $97 |
| Accent GLS 4-Dr Sedan | $246 | $602 | $372 | $22 | $112 | $1,379 | $115 |
| Accent SE 2-Dr Hatchback | $284 | $694 | $280 | $16 | $84 | $1,383 | $115 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $154 | $284 | $280 | $16 | $84 | $818 | $68 |
| Accent GS 2-Dr Hatchback | $180 | $346 | $280 | $16 | $84 | $906 | $76 |
| Accent GLS 4-Dr Sedan | $180 | $408 | $372 | $22 | $112 | $1,094 | $91 |
| Accent SE 2-Dr Hatchback | $206 | $468 | $280 | $16 | $84 | $1,054 | $88 |
| Get Your Own Customized Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in your specific Philadelphia location which can decrease or increase price quotes greatly.
Based on this data, using a $100 deductible costs approximately $22 more each month or $264 a year across all Hyundai Accent models than quoting 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 have more than 18 months between claim filings, you would probably save some money if you elect the higher deductible. The table below illustrates the way you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $103 |
| Average monthly premium for $500 deductibles (subtract): | – $81 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
An important sidenote is that a higher deductible level results in a higher out-of-pocket expense when you have a comprehensive or collision claim. You need enough disposable income in the event you need to pay more to get your vehicle repaired.
Difference between liability only and full coverage rates
The diagram below compares Hyundai Accent insurance premiums with and without full coverage. The rates are based on no claims or violations, $250 deductibles, drivers are single, and no additional discounts are factored in.
Guidelines for eliminating full coverage
There is no set rule of when to phase out physical damage coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your Hyundai Accent book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after the deductible is paid. If you are currently paying more than $200 annually to have full coverage, then you might want to consider buying only liability coverage.
There are a few cases where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Insurance is available from local insurance agents
A small number of people still prefer to sit down and talk to an agent and that is a smart decision Most agents can help you build your policy and will help you if you have claims. A nice benefit of getting free rate quotes online is that you can find cheap insurance quotes but also keep your business local.
For easy comparison, once you complete this form (opens in new window), the coverage information is transmitted to local insurance agents that can give you free Philadelphia auto insurance quotes for your coverage. You won’t need to do any legwork since rate quotes are delivered immediately to you. If you want to quote rates for a specific company, you would need to search and find their rate quote page and fill out their quote form.
Finding the right insurer needs to be determined by more than just a low price. The questions below may impact your decision as well.
- Has the agent ever had any license suspensions?
- Do they offer accident forgiveness?
- How many years of experience in personal auto insurance do they have?
- Can they provide you with a list of referrals?
- Where are claims handled?
- Are they in the agency full-time?
- How are they compensated?
Two types of Philadelphia auto insurance agents
When looking for a local Philadelphia insurance agent, it helps to know the two different agency structures and how they are slightly different. Insurance agencies in Philadelphia can either be exclusive agents or independent agents. Either one can sell affordable insurance policies, but it’s worth learning how they are different since it could factor into which type of agent you select.
Exclusive Insurance Agencies
Agents that choose to be exclusive have only one company to place business with such as Allstate, Farmers Insurance, State Farm, and AAA. They are unable to compare other company’s rates so they have to upsell other benefits. These agents are trained well on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from exclusives primarily because of high brand loyalty rather than low price.
Below are exclusive insurance agencies in Philadelphia that are able to give price quote information.
- Ahida Garcia – State Farm Insurance Agent
716 Adams Ave Ste 8 – Philadelphia, PA 19124 – (215) 533-5550 – View Map - State Farm – Adam Hutcheon
1436 Fairmount Ave – Philadelphia, PA 19130 – (215) 765-2686 – View Map - Jack Stabler – State Farm Insurance Agent
6726 Torresdale Ave – Philadelphia, PA 19135 – (215) 331-4300 – View Map
Independent Insurance Agencies
These type of agents do not sell for just one brand and that is an advantage because they can write policies through many different insurance companies and help determine which has the cheapest rates. If premiums increase, an independent agent can move your coverage which is easy for the insured.
When comparing insurance prices, we recommend you get some free quotes from several independent insurance agents to have the best price comparison. Most also write with companies you’ve never heard of that many times have cheaper rates.
The following is a list of independent agencies in Philadelphia that can give you rate quotes.
- Wade Insurance Agency
143 E Roosevelt Blvd – Philadelphia, PA 19120 – (215) 457-4995 – View Map - First Rate Insurance
7790 Rockwell Ave Suite 1 – Philadelphia, PA 19111 – (215) 725-6700 – View Map - America Insurance Agency Inc
7214 Frankford Ave – Philadelphia, PA 19135 – (800) 283-0500 – View Map
Insurance can be complex
When quoting and comparing insurance from an agent or online, there really isn’t a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.
For instance, these questions can help discover whether you could use an agent’s help.
- Does liability extend to a camper or trailer?
- What vehicles should carry emergency assistance coverage?
- Should I buy more coverage than the required Pennsylvania minimum liability coverage?
- What are good deductibles for a Hyundai Accent?
- Who does medical payments coverage extend to?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.
Why insurance is not optional
Despite the high cost, insurance is required in Pennsylvania but it also protects you in many ways.
First, almost all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance coverage in order to drive the car. In Pennsylvania 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.
Second, if you have a lien on your Accent, almost all lenders will force you to have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Hyundai at a much higher rate and force you to pay for the expensive policy.
Third, insurance protects not only your car but also your assets. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage will also pay for a defense attorney in the event you are sued. If damage is caused by hail or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance outweigh the cost, especially with large liability claims. But the average driver in Pennsylvania is currently overpaying as much as $850 per year so compare rates once a year at a minimum to ensure rates are inline.
Learn about auto insurance coverages for a Hyundai Accent
Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for expenses for things like EMT expenses, rehabilitation expenses and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible
Coverage for liability
This can cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/5 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and property damage coverage for $5,000.
Liability coverage protects against things such as attorney fees, pain and suffering and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible. Pennsylvania requires minimum liability limits of 15/30/5 but drivers should carry higher limits.
The chart below demonstrates why the minimum limit may not be high enough to adequately cover claims.
Collision coverage
Collision insurance will pay to fix damage to your Accent resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as rolling your car, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible on your Accent to save money on collision insurance.
Uninsured and underinsured coverage
This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (Pennsylvania limits are 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Comprehensive coverages
This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like damage from flooding, falling objects and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Compare rates regularly to save
Cheap Hyundai Accent insurance in Philadelphia is available online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. A few companies may not offer rates over the internet and many times these smaller providers only sell through local independent agencies.
Consumers who switch companies do it for many reasons like an unsatisfactory settlement offer, not issuing a premium refund, extreme rates for teen drivers or even delays in responding to claim requests. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.
We just showed you a lot of ways to shop for Hyundai Accent insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding low cost Philadelphia auto insurance quotes. Consumers could even find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising.
For more information, link through to the resources below:
- Insuring a Leased Car (Insurance Information Institute)
- How Much is Philadelphia Auto Insurance for Drivers Requiring a SR22? (FAQ)
- How Much are Car Insurance Quotes for 19 Year Olds in Philadelphia? (FAQ)
- Auto Insurance 101 (About.com)
- Credit Impacts Car Insurance Rates (State Farm)