Trying to find more affordable Hyundai Accent insurance in Corpus Christi? If you’re shopping for lower-cost insurance on the web, do you get frustrated by the crazy number of insurance choices available to you? Many other drivers are too. Texas people have so many choices to choose from that it is a real difficult job to find the lowest price for Hyundai Accent insurance in Corpus Christi. Everyone knows Corpus Christi is an excellent city in which to live, but expensive insurance rates can make it nearly impossible for many drivers to purchase enough protection.
How to buy discount Hyundai Accent insurance in Corpus Christi
If your goal is the lowest price, then the best way to get more affordable Hyundai Accent insurance in Corpus Christi is to regularly compare price quotes from insurers in Texas.
Step 1: Try to understand the coverage provided by your policy and the changes you can make to prevent expensive coverage. Many rating criteria that result in higher prices like speeding tickets, accidents and an imperfect credit history can be remedied by making minor changes in your lifestyle. Continue reading for tips to help keep prices low and find overlooked discounts.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agencies can quote rates from multiple insurance companies.
Step 3: Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a better price, make sure there is no coverage gap between policies.
Step 4: Give proper notification to your current agent or company of your decision to cancel your current car insurance policy and submit payment along with a signed and completed policy application for your new coverage. As soon as you have the new policy, place your new certificate verifying coverage in a readily accessible location in your vehicle.
The most important part of shopping around is to make sure you enter identical deductibles and limits on every quote and and to get price quotes from as many car insurance companies as possible. Doing this provides a level playing field and the most accurate and complete price analysis.
It’s easy to assume that auto insurance companies want to keep you from comparing rates. Consumers who rate shop once a year will most likely switch to a new company because they stand a good chance of finding coverage at a more affordable price. A recent study showed that people who compared rates regularly saved approximately $860 a year compared to those who didn’t regularly shop around.
If finding the best price on Hyundai Accent insurance in Corpus Christi is your intention, then having a grasp of how to choose a company and compare coverages can save time, money, and frustration.
You should take the time to compare rates every six months because insurance prices are usually higher with each renewal. If you had the best price on Hyundai Accent insurance in Corpus Christi on your last policy you may be paying too much now. Ignore everything you know about insurance because we’re going to demonstrate one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.
When comparison shopping, there are several ways to compare rate quotes from many different Texas insurance companies. One of the best ways to compare rates is to get quotes online.
Just keep in mind that having more price comparisons increases the chance that you will find the best price.
The companies in the list below offer free quotes in Corpus Christi, TX. If you want to find cheap car insurance in TX, we recommend you visit as many as you can to find the most affordable auto insurance rates.
Coverage statistics and figures
The premium information displayed below highlights a range of coverage prices for Hyundai Accent models. Having knowledge of how insurance quotes are figured is important for drivers to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $152 | $322 | $340 | $20 | $102 | $936 | $78 |
| Accent GS 2-Dr Hatchback | $180 | $392 | $340 | $20 | $102 | $1,034 | $86 |
| Accent GLS 4-Dr Sedan | $180 | $462 | $452 | $26 | $136 | $1,256 | $105 |
| Accent SE 2-Dr Hatchback | $206 | $532 | $340 | $20 | $102 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can alter coverage rates significantly.
Physical damage deductible comparison
The hardest decision when buying coverage is how low should you set your deductibles. The data tables below illustrate the rate difference when you buy lower versus higher policy deductibles. The first table uses a $100 deductible for physical damage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $244 | $486 | $324 | $20 | $96 | $1,195 | $100 |
| Accent GS 2-Dr Hatchback | $286 | $592 | $324 | $20 | $96 | $1,343 | $112 |
| Accent GLS 4-Dr Sedan | $286 | $698 | $430 | $26 | $128 | $1,593 | $133 |
| Accent SE 2-Dr Hatchback | $328 | $804 | $324 | $20 | $96 | $1,597 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $178 | $328 | $324 | $20 | $96 | $946 | $79 |
| Accent GS 2-Dr Hatchback | $208 | $400 | $324 | $20 | $96 | $1,048 | $87 |
| Accent GLS 4-Dr Sedan | $208 | $472 | $430 | $26 | $128 | $1,264 | $105 |
| Accent SE 2-Dr Hatchback | $240 | $542 | $324 | $20 | $96 | $1,222 | $102 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific Corpus Christi garaging location which can influence premiums substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $27 more each month or $324 each year across all Hyundai Accent models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 15 months between claim filings, you would save money if you elect the higher deductible.
Calculation for raising deductibles
| Average monthly premium for $100 deductibles: | $120 |
| Average monthly premium for $500 deductibles (subtract): | – $93 |
| Monthly savings from raising deductible: | $27 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $27 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
One important note is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a claim. You should have enough money stashed away in the event you have to pay the deductible to have repairs made.
The information below demonstrates how choosing different deductibles and can change Hyundai Accent insurance premiums for different insured age categories. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Violations and accidents raise rates
The example below highlights how speeding tickets and accident claims can raise Hyundai Accent yearly insurance costs for each different age category. The costs are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.
Full coverage versus liability-only
The example below compares Hyundai Accent insurance costs with full coverage and liability only. The rate quotes are based on no claims or driving citations, $1,000 deductibles, single status, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no definitive rule to eliminate comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s assume your Hyundai Accent book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying the physical damage deductible. If premium cost is more than $700 a year to have full coverage, then you might consider buying liability only.
There are some scenarios where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
Which is the best auto insurance?
When it comes to choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your auto insurance should be unique as well.
Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.
- What does UM/UIM cover?
- What is the difference between personal and commercial auto insurance policies?
- Where can I find high-risk insurance?
- What is motorclub and do I need it?
- When should I not file a claim?
- Who does medical payments coverage extend to?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.
Insurance agencies can give valuable advice
A lot of people still prefer to buy from a licensed agent and there is nothing wrong with that. An additional benefit of comparing car insurance online is that drivers can save money and get cheap car insurance rates and still choose a local agent.
Upon completion of this form (opens in new window), the coverage information is submitted to participating agents in Corpus Christi who want to provide quotes for your car insurance coverage. There is no need to find an agent since rate quotes are delivered immediately to you. You can find the lowest rates and a licensed agent to work with. If you need to get a rate quote from a specific car insurance provider, just jump over to their website and complete a quote there.
Choosing an insurer requires more thought than just a cheap price. These are some questions your agent should answer.
- How experienced are they in personal risk management?
- How long has their agency been open in Corpus Christi?
- Can they provide you with a list of referrals?
- What are the financial ratings for the companies they represent?
- Is the quote a firm price?
- Do they review policy coverages at every renewal?
- Is every driver in your family covered?
If you want to buy car insurance from local Corpus Christi agents, there are two different types of agents and how they can quote your rates. Corpus Christi agents may be either independent (non-exclusive) or exclusive.
Exclusive Agents
Exclusive agents can only provide one company’s prices like AAA, State Farm, Farmers Insurance, and Allstate. They are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well trained on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to use the same agent mainly due to the prominent brand name and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agencies in Corpus Christi that are able to give price quote information.
- Randy Ritter – State Farm Insurance Agent
6601 Everhart Rd, Ste H4 – Corpus Christi, TX 78413 – (361) 851-8611 – View Map - Ray Paiz – State Farm Insurance Agent
5425 S Padre Island Dr #122 – Corpus Christi, TX 78411 – (361) 993-3553 – View Map - Francisco Aguilar – State Farm Insurance Agent
5829 Weber Rd – Corpus Christi, TX 78413 – (361) 991-8242 – View Map
Independent Insurance Agents
Independent agents often have affiliation with several companies and that enables them to quote your coverage through many companies and possibly get better coverage at lower prices. If your agent finds better pricing, they can switch companies in-house which requires no work on your part.
If you are trying to find cheaper rates, you need to check rates from a couple of independent agencies to ensure the widest selection of prices. Most can insure with different regional companies which could offer lower prices.
Below are Corpus Christi independent agents who can help you get comparison quotes.
- CMM INSURANCE AGENCY
5009 Kostoryz Rd – Corpus Christi, TX 78415 – (361) 654-0030 – View Map - Tejas Auto Insurance
4701 Ayers St #104 – Corpus Christi, TX 78415 – (361) 814-0030 – View Map - Star Advantage Insurance Agency
15201 S Padre Island Dr – Corpus Christi, TX 78418 – (361) 949-0396 – View Map
After you get good feedback to all your questions as well as a affordable price, most likely you have located an insurance agency that will properly service your car insurance policy. Just be aware that you can always cancel a policy at any point so never feel that you are obligated to a specific agent indefinitely.