How long has it been since you compared lower-priced Hyundai Accent insurance in Houston? Do you think you bought an overpriced car insurance policy? It's quite common and you're not alone.

Insurance quote for Hyundai Accent in HoustonUnbelievable but true, the vast majority of car insurance customers have been with the same company for well over three years, and nearly half have never quoted rates to find cheaper coverage. Many consumers in Houston could save roughly $1,770 each year, but they don't invest the time required to compare rates and save money.

Popular companies such as GEICO and Progressive all promote huge savings with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

Consumers should take time to get comparison quotes on a regular basis because insurance prices are variable and change quite frequently. Just because you found the best deal on Hyundai Accent insurance in Houston a couple years back other companies may now be cheaper. Block out anything you think you know about car insurance because you're about to find out the right way to lower your rates without sacrificing coverage.

The quickest way to compare policy rates for Hyundai Accent insurance in Houston is to know car insurance companies allow for online access to provide you with a free rate quote. All consumers are required to do is give the companies some data such as how much school you completed, whether your vehicle is owned or leased, the type of vehicles you drive, and whether you are single or married. That rating information is instantly provided to many different companies and they return quotes within a short period of time.

To compare rates for your Hyundai Accent now, click here then complete the form.

The auto insurance companies shown below can provide free quotes in Texas. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.

Hyundai Accent Insurance Rate Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $116 $264 $366 $22 $110 $878 $73
Accent GS 2-Dr Hatchback $180 $392 $340 $20 $102 $1,034 $86
Accent GLS 4-Dr Sedan $202 $462 $440 $26 $132 $1,262 $105
Accent SE 2-Dr Hatchback $140 $352 $304 $18 $92 $906 $76
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in garaging location in Houston which can modify coverage rates considerably.

How accidents and tickets impact rates in Houston

The example below demonstrates how speeding tickets and accident claims increase Hyundai Accent insurance prices for different insured age categories. The information is based on a married male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Analysis of deductible levels

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The rates below can help show the rate difference when you select higher and lower coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Hyundai Accent insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $218 $408 $324 $20 $96 $1,091 $91
Accent GS 2-Dr Hatchback $256 $496 $324 $20 $96 $1,217 $101
Accent GLS 4-Dr Sedan $256 $584 $430 $26 $128 $1,449 $121
Accent SE 2-Dr Hatchback $294 $672 $324 $20 $96 $1,431 $119
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Hyundai Accent insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $136 $256 $324 $20 $96 $832 $69
Accent GS 2-Dr Hatchback $158 $312 $324 $20 $96 $910 $76
Accent GLS 4-Dr Sedan $158 $368 $430 $26 $128 $1,110 $93
Accent SE 2-Dr Hatchback $182 $424 $324 $20 $96 $1,046 $87
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in vehicle garaging location which can raise or lower price quotes noticeably.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $27 more each month or $324 each year than opting for 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 average at a minimum 28 months between claims, you would probably come out ahead by going with a higher deductible.

Auto insurance cost for men versus women

The chart below illustrates the comparison of Hyundai Accent insurance costs for male and female drivers. The price estimates are based on no violations or accidents, full coverage, $250 deductibles, marital status is single, and no discounts are applied.

Car insurance does more than just repair your car

Despite the high cost, insurance is required in Texas but also provides important benefits.

The benefits of carrying enough insurance definitely exceed the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $855 a year so smart consumers compare quotes each time the policy renews to save money.

Get discounts to get affordable Houston auto insurance rates

Some insurers don't always publicize all their discounts very well, so the list below gives a summary of both the well known in addition to some of the lesser obvious discounts that may be available.Auto insurance discounts

It's important to understand that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it just doesn't work that way.

Large auto insurance companies and a summarized list of policyholder discounts are shown below.

If you need lower rates, check with every insurance company to apply every possible discount. Some discounts may not be available in every state. To view insurance companies with significant discounts in Houston, click here to view.

Local neighborhood Houston car insurance agents

A small number of people would prefer to go talk to an agent and that is a personal choice. One of the best bonuses of comparing rate quotes online is that you can find lower rates and also buy local.

Insurance agents in HoustonAfter filling out this simple form, your insurance data is submitted to local insurance agents who want to provide quotes and help you find cheaper coverage. There is no need to find an agent on your own because prices are sent to you directly. You can get cheaper auto insurance rates AND an agent nearby. In the event you want to get a price quote from a particular provider, you would need to search and find their rate quote page and submit a quote form there.

Choosing an insurance company shouldn't rely on just the bottom line cost. Below are some questions you should ask.

Different types of Houston car insurance agents

If you want to use a reputable agency, it helps to know the two different types of agencies and how they can write your policy. Agents in Houston are considered either independent agents or exclusive agents depending on their employer.

Exclusive Agents

Agents that choose to be exclusive work for only one company such as State Farm, Allstate, or Farmers Insurance. They are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agents are trained well on their company's products which can be an advantage.

Below are exclusive agents in Houston who may provide you with price quotes.

13618 Bellaire Blvd, Ste E5 - Houston, TX 77083 - (281) 498-6800 - View Map

13030 Woodforest Blvd b - Houston, TX 77015 - (713) 451-5716 - View Map

1616 Clear Lake City Blvd #107 - Houston, TX 77062 - (281) 486-9100 - View Map

More Houston agents

Independent Agents (or Brokers)

Agents that choose to be independent are not employed by any specific company so they can quote policies with any number of different companies and help determine which has the cheapest rates. If prices rise, an independent agent can move your coverage and you stay with the same agent. When comparing auto insurance rates, we highly recommend that you include price quotes from at a minimum one independent agency to get the most accurate price comparison.

Listed below is a short list of independent agencies in Houston that can give you comparison quotes.

450 North Sam Houston Pkwy E #103 - Houston, TX 77060 - (281) 445-1381 - View Map

Texas Insurance
210 W Greens Rd # B - Houston, TX 77067 - (281) 872-6100 - View Map

6918 Corporate Dr - Houston, TX 77036 - (713) 771-6000 - View Map

More Houston agents

Insurance agents can help

Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there isn't really a best way to insure your cars. Your needs are not the same as everyone else's.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine if your insurance needs might need an agent's assistance.

If you're not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Specific coverage details

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Auto liability

Liability insurance can cover injuries or damage you cause to other's property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 30/60/25 that means you have $30,000 bodily injury coverage, $60,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as loss of income, medical services and medical expenses. How much coverage you buy is up to you, but you should buy higher limits if possible. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry more coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like ambulance fees, dental work, funeral costs, pain medications and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Since a lot of drivers have only the minimum liability required by law (which is 30/60/25), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, vandalism, falling objects and hitting a deer. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Collision protection

This pays for damage to your Accent from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, colliding with another moving vehicle, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your Accent to save money on collision insurance.

What is YOUR best insurance company?

Some insurance providers don't offer price quotes online and many times these smaller providers only sell coverage through local independent agencies. More affordable insurance in Houston is attainable from both online companies as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from.

People switch companies for a number of reasons such as policy non-renewal, not issuing a premium refund, delays in paying claims and even lack of trust in their agent. It doesn't matter why you want to switch choosing a new company is not as hard as you think.

When you buy Houston auto insurance online, make sure you don't skimp on critical coverages to save a buck or two. Too many times, someone dropped liability limits or collision coverage to discover at claim time that it was a big mistake. The proper strategy is to buy enough coverage at the lowest possible cost.

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