Do you want the cheapest Hyundai Accent insurance in Boston? Comparing and finding more affordable prices for Hyundai Accent insurance in Boston may be difficult for beginners to online rate comparisons. With dozens of insurance companies available, it can turn into a difficult situation to compare rates in Massachusetts on Hyundai Accent insurance.
It’s well known that car insurance companies don’t want their customers to go rate shopping. Drivers who shop around will probably switch car insurance companies because there is a significant possibility of finding a more affordable policy premium. A survey found that people who routinely compared rates saved approximately $3,500 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding the lowest rates on auto insurance is why you’re here, then learning a little about how to compare cheaper coverage can save money and time.
If you have a current insurance policy, you should be able to get lower rates using the concepts covered in this article. Quoting and comparing rates for cheaper insurance policy in Boston is not as confusing as people think. Nevertheless, Massachusetts car owners need to learn how the larger insurance companies determine prices because it can help you find the best coverage.
Best Hyundai Accent insurance prices in Massachusetts
The companies shown below have been selected to offer free rate quotes in Massachusetts. If multiple companies are listed, we suggest you visit as many as you can in order to find the most competitive rates.
Insurance coverage analysis
The information shown below outlines detailed analysis of insurance policy prices for Hyundai Accent models. Learning a little about how prices are established is important for making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $166 | $362 | $272 | $16 | $82 | $898 | $75 |
| Accent GS 2-Dr Hatchback | $196 | $442 | $272 | $16 | $82 | $1,008 | $84 |
| Accent GLS 4-Dr Sedan | $196 | $520 | $362 | $22 | $108 | $1,208 | $101 |
| Accent SE 2-Dr Hatchback | $224 | $598 | $272 | $16 | $82 | $1,192 | $99 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can revise premium rates significantly.
These ten discounts can lower your auto insurance quotes
Some insurers don’t always publicize the entire discount list very clearly, so the following is a list of a few of the more well known and also the lesser-known credits that you can use to lower your rates.
- ABS Brakes – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
- Government Employees – Federal government employees could qualify for a slight premium decrease with certain companies.
- Life Insurance Discount – Insurance carriers who offer life insurance give a discounted auto insurance rate on car insurance if you buy some life insurance too.
- Low Mileage Discounts – Driving fewer miles can qualify you for substantially lower rates.
- Air Bags and Passive Restraints – Vehicles equipped with air bags may earn rate discounts of more than 20%.
- Student in College – Children living away from Boston attending college and won’t have access to an insured vehicle may qualify for this discount.
- Driver Training Discounts – Completing a defensive driver course may get you a small discount and also improve your driving technique.
- Early Renewal Discounts – A few auto insurance companies give discounts for switching policies before your current coverage expires. It could save around 10% when you buy Boston car insurance online.
- Full Payment Discount – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
- Discount for Home Ownership – Being a homeowner may earn you a small savings because maintaining a house requires a higher level of personal finance.
Consumers should know that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The example below compares Hyundai Accent premium costs with and without discounts applied to the policy rates. The rates are based on a female driver, no violations or accidents, Massachusetts state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-car, and multi-policy discounts applied.
The best auto insurance companies and a summarized list of policyholder discounts are outlined below.
- American Family has savings for Steer into Savings, early bird, accident-free, good student, defensive driver, mySafetyValet, and multi-vehicle.
- State Farm offers discounts including multiple policy, multiple autos, good driver, Steer Clear safe driver discount, driver’s education, and anti-theft.
- 21st Century includes discounts for driver training, homeowners, student driver, theft prevention, and air bags.
- Travelers has discounts for save driver, good student, multi-policy, driver training, and multi-car.
- GEICO offers premium reductions for anti-theft, defensive driver, emergency military deployment, anti-lock brakes, driver training, multi-vehicle, and five-year accident-free.
It’s a good idea to ask each company which discounts they offer. Some discounts may not apply in Boston. To choose companies with the best Hyundai Accent insurance discounts in Boston, click here.
Insurance agents can help
Many drivers still prefer to get advice from a local agent and that is a personal choice. The best thing about getting online price quotes is the fact that drivers can get lower premium rates but also keep your business local.
For easy comparison, once you complete this simple form, your insurance data is immediately sent to companies in Boston who will gladly provide quotes for your business. You won’t need to leave your house since rate quotes are delivered to you. You can find the lowest rates and a licensed agent to work with. If you have a need to get a rate quote from a particular provider, you just need to navigate to their website and fill out their quote form.
Finding the right insurance company shouldn’t rely on just the bottom line cost. Any agent in Boston should have no problem answering these questions:
- How does the company pay claims for a total loss?
- How are they compensated?
- Do they reduce claim amounts on high mileage vehicles?
- Is working in the agency their full-time job?
- Will you get a loaner vehicle if you car is being repaired?
Below is a short list of insurers in Boston that may be willing to give rate quotes for Hyundai Accent insurance in Boston.
- Allston Insurance Agency, Inc.
1065 Commonwealth Avenue # 3 – Boston, MA 02215 – (617) 562-8200 – View Map - Arbella Insurance
120 Middlesex Ave – Somerville, MA 02145 – (617) 666-0222 – View Map - KW Insurance
1361 Cambridge St – Cambridge, MA 02141 – (617) 492-4150 – View Map - Meridian Insurance Agency, LLC
175 William F McClellan Hwy #112 – East Boston, MA 02128 – (617) 567-5710 – View Map
After you get good feedback to any questions you have and a low price estimate, it’s a good possibility that you have found an provider that is a good match to insure your vehicles. It’s important to know that you are entitled to terminate coverage for any reason so never feel that you are obligated to a specific agent with no way out.
What is the best car insurance company in Boston?
Choosing the best car insurance provider can be challenging considering how many companies sell insurance in Massachusetts. The company rank data shown below could help you analyze which companies to look at when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Auto insurance specifics
Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Coverage for collisions
Collision coverage pays for damage to your Accent resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible on your Accent in order to get cheaper collision rates.
Liability
Liability insurance protects you from damage that occurs to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 20/40/5 that translate to $20,000 in coverage for each person’s injuries, a limit of $40,000 in injury protection per accident, and a limit of $5,000 paid for damaged property.
Liability can pay for things like pain and suffering, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Massachusetts requires drivers to carry at least 20/40/5 but drivers should carry higher limits.
The illustration below shows why buying low liability limits may not provide you with enough coverage.
Comprehensive coverage
Comprehensive insurance 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 insurance covers things such as hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Hyundai Accent.
Because many people carry very low liability coverage limits (which is 20/40/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
Medical payments coverage and PIP
Med pay and PIP coverage pay for bills for doctor visits, chiropractic care and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Cheap insurance rates are out there
As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. In many instances, someone dropped collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.
Cost effective Hyundai Accent insurance is available from both online companies as well as from independent agents in Boston, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get quotes online and these regional carriers only sell through independent agents.
Consumers leave their current company for many reasons like extreme rates for teen drivers, denial of a claim, questionable increases in premium or even delays in responding to claim requests. Regardless of your reason, finding a great new company can be easy and end up saving you some money.
How to find cheaper Hyundai Accent insurance in Boston
The easiest way to find low-cost prices for auto insurance rates is to start comparing rates regularly from insurers that sell auto insurance in Boston. Drivers can shop around by completing these steps.
- Try to comprehend policy coverages and the steps you can take to prevent expensive coverage. Many policy risk factors that are responsible for high rates like at-fault accidents, careless driving, and your credit history can be rectified by being financially responsible and driving safely.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple insurance companies.
- Compare the new quotes to your current policy premium and see if you can save money. If you can save money, ensure there is no coverage lapse between policies.
One important bit of advice is to compare the same coverage limits and deductibles on each price quote and and to get price quotes from as many companies as feasibly possible. Doing this provides a fair rate comparison and a complete price analysis.
More detailed insurance information is located by following these links:
- Understanding Limits and Deductibles (Allstate)
- What Insurance is Cheapest for 17 Year Olds in Boston? (FAQ)
- How Much is Boston Auto Insurance for a Honda CR-V? (FAQ)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)
- Reducing Your Risks in a Car Crash Video (iihs.org)