Find Cheaper Hyundai Accent Insurance in Bakersfield

Discount Hyundai Accent insuranceTo save the most money, the best way to get more affordable Hyundai Accent insurance in Bakersfield is to start comparing rates regularly from insurers that sell auto insurance in California. Rates can be compared by following these steps.

A good tip to remember is that you’ll want to compare the same physical damage deductibles and liability limits on every quote request and and to look at as many carriers as you can. Doing this provides an apples-to-apples comparison and a complete rate analysis.

It goes without saying that insurance companies want to keep you from comparing rates. Insureds who shop around for cheaper rates are highly likely to switch to a new company because of the high probability of finding better rates. A recent survey discovered that consumers who make a habit of shopping around saved $3,450 over four years compared to those who never compared prices.

If saving the most money on Hyundai Accent insurance in Bakersfield is the reason for your visit, then learning about the best ways to find and compare insurance can make it simple to find affordable coverage.

If you are insured now, you stand a good chance to be able to get lower rates using the tips covered below. Quoting and comparing rates for affordable policy in Bakersfield is not as hard as you may think. But California vehicle owners need to have an understanding of how insurance companies market on the web because rates fluctuate considerably.

Rate information and statistics

The rate information shown next highlights estimates of coverage costs for Hyundai Accent models. Being able to understand how insurance policy rates are formulated can be of help when making smart choices when selecting a policy.


Hyundai Accent Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $256 $520 $386 $22 $116 $1,300 $108
Accent GS 2-Dr Hatchback $302 $632 $386 $22 $116 $1,458 $122
Accent GLS 4-Dr Sedan $302 $744 $514 $30 $154 $1,744 $145
Accent SE 2-Dr Hatchback $346 $856 $386 $22 $116 $1,726 $144
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in Bakersfield location which can revise premiums noticeably.

Deductible analysis

The hardest decision when buying coverage is where should you set your physical damage deductibles. The comparison tables below highlight the premium difference of buying low and high comp and collision deductibles. The first data table uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.


Hyundai Accent insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $254 $472 $376 $22 $112 $1,261 $105
Accent GS 2-Dr Hatchback $298 $576 $376 $22 $112 $1,409 $117
Accent GLS 4-Dr Sedan $298 $678 $500 $30 $150 $1,681 $140
Accent SE 2-Dr Hatchback $342 $780 $376 $22 $112 $1,657 $138
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Hyundai Accent insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $156 $298 $376 $22 $112 $964 $80
Accent GS 2-Dr Hatchback $184 $362 $376 $22 $112 $1,056 $88
Accent GLS 4-Dr Sedan $184 $426 $500 $30 $150 $1,290 $108
Accent SE 2-Dr Hatchback $210 $490 $376 $22 $112 $1,210 $101
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in zip code location which can alter premiums substantially.

Using the data above, we can ascertain that using a $250 deductible costs an average of $31 more each month or $372 annually than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 24 months between claim filings, you would most likely save money if you opt for a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $125
Average monthly premium for $1,000 deductibles (subtract): – $94
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

An important thing to remember is that a higher deductible level results in a higher out-of-pocket expense when you have a claim. That will force you to have some extra funds in order to pay more for the deductible.

Gender-based car insurance rates

The information below shows the difference between Hyundai Accent premium costs for male and female drivers. The data assumes a clean driving record, no claims, full coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.

Hyundai Accent liability-only versus full coverage

The information below shows the comparison of Hyundai Accent insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

When to drop comp and collision

There is no clear-cut rule of when to stop paying for full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Hyundai Accent claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after you pay the deductible. If you are currently paying more than $400 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some circumstances where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Information about specific coverages

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000.

Liability coverage protects against claims such as court costs, loss of income, funeral expenses and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible. California state minimum liability requirements are 15/30/5 but you should consider buying more coverage.

The chart below shows why buying minimum limits may not be enough.

Comprehensive auto insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, damage from flooding, hail damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses like dental work, X-ray expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Hyundai Accent.

Since many California drivers only carry the minimum required liability limits (California limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

This covers damage to your Accent resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible on your Accent to bring the cost down.

Be persistent and save

Budget-friendly auto insurance in Bakersfield can be found online and with local Bakersfield insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer rate quotes online and many times these small insurance companies sell through independent agents.

You just read quite a bit of information on how to save on Hyundai Accent insurance in Bakersfield. The key thing to remember is the more times you quote, the better likelihood of getting low cost Bakersfield auto insurance quotes. Consumers may even find the biggest savings come from some of the lesser-known companies.

Insureds switch companies for a variety of reasons including policy non-renewal, an unsatisfactory settlement offer, unfair underwriting practices or even poor customer service. Whatever your reason, switching companies can be easier than you think.

Additional information