How long has it been since you compared cheaper Hyundai Accent insurance in Chula Vista? Having to pay for pricey Hyundai Accent insurance in Chula Vista can bottom out your family’s budget and put a big crunch on your finances. Doing a rate comparison is a smart way to lower your monthly bill.
Unbelievable but true, most drivers kept their coverage with the same car insurance company for well over three years, and just short of a majority have never even compared rates from other companies. The average driver in California could save themselves up to $470 a year, but they just don’t understand the large savings they would see if they bought a different policy.
Consumers have many insurance companies to insure vehicles with, and though it is a good thing to have a choice, it can be more challenging to find the best rates for Hyundai Accent insurance in Chula Vista.
Consumers should take time to check car insurance prices before your policy renews since insurance rates change regularly. If you had the best premium rates on Hyundai Accent insurance in Chula Vista six months ago you may be paying too much now. There is a lot of wrong information about Accent insurance online, but I’m going to show you some of the best ways to save money.
To get affordable Hyundai Accent insurance quotes, there a variety of ways to compare rate quotes from different Chula Vista insurance companies. The best method to find the cheapest Hyundai Accent insurance rates is to get quotes online.
It’s so fast and easy to compare quotes online that it takes the place of having to go to all the different Chula Vista insurance agencies. Doing it all online eliminates the need for an insurance agent unless you’re the type of person who wants the personal advice only provided by licensed Chula Vista agents. It is possible to get prices online and still use a local agent.
Just keep in mind that having more price comparisons gives you a better chance of getting the best offered rates.
The companies in the list below can provide comparison quotes in Chula Vista, CA. If multiple companies are listed, we recommend you click on several of them in order to find the lowest rates.
Chula Vista car insurance discounts
Car insurance is expensive, but there’s a good chance there are discounts to cut the cost considerably. Certain credits will be shown at the time you complete a quote, but less common discounts must be specifically requested before you will receive the discount.
- Onboard Data Collection – Drivers who elect to allow their company to monitor vehicle usage by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they have good driving habits.
- Drive Safe and Save – Safe drivers may save up to 50% more as compared to drivers with claims.
- Accident Free – Chula Vista drivers who stay claim-free get the best car insurance rates when compared with insureds who have frequent claims or accidents.
- Driver Education Discount – Teen drivers should participate in a local driver’s education class as it can save substantially.
- Sign Early and Save – Some car insurance companies reward drivers for switching to them prior to the expiration date on your current Accent insurance policy. You may see this discount when you get Chula Vista car insurance quotes online.
You can save money using discounts, but many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, nobody gets a free ride.
The example below compares Hyundai Accent insurance premiums with and without discounts. The information is based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, marriage, safe-driver, and homeowner discounts applied.
The best car insurance companies and a partial list of their discounts can be read below.
- Travelers may offer discounts for home ownership, IntelliDrive, good student, early quote, and save driver.
- 21st Century may include discounts for 55 and older, student driver, automatic seat belts, driver training, good student, and defensive driver.
- State Farm includes discounts for good driver, driver’s education, passive restraint, good student, Drive Safe & Save, multiple autos, and multiple policy.
- GEICO policyholders can earn discounts including multi-policy, defensive driver, air bags, driver training, and five-year accident-free.
- SAFECO has savings for homeowner, teen safe driver, bundle discounts, anti-lock brakes, and multi-car.
- AAA discounts include pay-in-full, AAA membership discount, good driver, anti-theft, good student, and education and occupation.
Before buying, ask every company which discounts they offer. Some credits might not be offered on policies everywhere. To see companies who offer discounts in California, click this link.
Rates and other information
The coverage table shown below covers detailed analysis of coverage costs for Hyundai Accent models. Learning a little about how insurance prices are established helps drivers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $196 | $392 | $354 | $20 | $106 | $1,068 | $89 |
| Accent GS 2-Dr Hatchback | $230 | $478 | $354 | $20 | $106 | $1,188 | $99 |
| Accent GLS 4-Dr Sedan | $230 | $562 | $470 | $28 | $140 | $1,430 | $119 |
| Accent SE 2-Dr Hatchback | $262 | $648 | $354 | $20 | $106 | $1,390 | $116 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in garaging location in Chula Vista which can raise or lower insurance rates noticeably.
Deductible comparison
One of the hardest decisions when shopping for car insurance is which deductible level should you buy. The rates below summarize the differences in premium rates when you select higher and lower deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $206 | $382 | $376 | $22 | $112 | $1,098 | $92 |
| Accent GS 2-Dr Hatchback | $242 | $464 | $376 | $22 | $112 | $1,216 | $101 |
| Accent GLS 4-Dr Sedan | $242 | $546 | $500 | $30 | $150 | $1,468 | $122 |
| Accent SE 2-Dr Hatchback | $278 | $630 | $376 | $22 | $112 | $1,418 | $118 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can increase or decrease rates noticeably.
Using the premium rates above, we can conclude that using a $250 deductible costs approximately $17 more each month or $204 each year across all Hyundai Accent models than requesting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 15 months between claims, you would save money if you opt for a higher deductible. The numbers below show the way you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $125 |
| Average monthly premium for $500 deductibles (subtract): | – $108 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
Full coverage versus liability only rates
The chart below visualizes the comparison of Hyundai Accent auto insurance rates with full physical damage coverage compared to only buying liability only. The rates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied.
When to stop buying comprehensive and collision coverage
There isn’t a written rule for eliminating full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Hyundai Accent replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your policy deductible. If premium cost is more than $200 annually for your policy with full coverage, then it might be time to buy liability only.
There are some conditions where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
When do I need to contact a local insurance agent?
Certain consumers just prefer to buy from a licensed agent and that is just fine! An additional benefit of getting online price quotes is you may find the lowest rates and still have a local agent.
To help locate an agent, after submitting this quick form, the quote information is sent to local insurance agents in Chula Vista who will give you bids to get your business. It’s much easier because you don’t need to contact any insurance agencies because quoted prices will be sent directly to you. You can find the lowest rates and a licensed agent to work with. If you want to get a price quote from a specific company, feel free to navigate to their website to submit a rate quote request.
Picking an provider shouldn’t rely on just the bottom line cost. Below are some questions you should ask.
- Will a damage claim use OEM or aftermarket replacement parts?
- How are they compensated?
- Are there any discounts that you might be missing?
- How long has the business existed?
- What companies can they write with?
- Does the agency have a good rating with the Better Business Bureau?
When researching a local insurance agency, it’s helpful to know the types of insurance agents to choose from. Auto insurance agents are either exclusive or independent agents depending on their company appointments.
Exclusive Agencies
Exclusive insurance agents can only place business with one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on the products they sell which helps them sell insurance even at higher premiums.
Shown below are exclusive agencies in Chula Vista willing to provide price quote information.
Farmers Insurance – Patricia Ruiz
2568 Waterline Way – Chula Vista, CA 91914 – (619) 482-7011 – View Map
Allstate Insurance: Barry L. St. Onge
651 3rd Ave a – Chula Vista, CA 91910 – (619) 426-7885 – View Map
Tammy Manzano – State Farm Insurance Agent
1925 E Palomar St #17 – Chula Vista, CA 91913 – (619) 482-6001 – View Map
Independent Agents (or Brokers)
Agents of this type can quote rates with many companies so they can write business with a variety of different insurance companies depending on which coverage is best. If they quote lower rates, they simply move the coverage in-house which requires no work on your part. When comparing auto insurance rates, you will want to compare quotes from multiple independent agents so that you can do a thorough price comparison.
Listed below is a list of independent agents in Chula Vista that can give you price quote information.
Princell Insurance Services
1068 Moonstone Pl – Chula Vista, CA 91913 – (619) 397-5955 – View Map
Garrison Insurance Agency, Inc
553 Telegraph Canyon Rd – Chula Vista, CA 91910 – (800) 701-5909 – View Map
Areli’s Insurance Services
1010 Broadway #7 – Chula Vista, CA 91911 – (619) 409-1690 – View Map
How much car insurance do I need?
When choosing the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.
These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.
- Do I have coverage when pulling a U-Haul trailer?
- Does having multiple vehicles earn me a discount?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Should I get collision insurance on every vehicle?
- If my Hyundai Accent is totaled, can I afford another vehicle?
- Is my vehicle covered by my employer’s policy when using it for work?
- Why are teen drivers so expensive to add on to my policy?
- Am I covered if I wreck a rental car?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.
Why Informed Drivers Pay Less for Hyundai Accent Insurance
Lots of factors are taken into consideration when quoting car insurance. Some are obvious like your driving record, but some are more transparent such as your marital status and annual miles driven. A large part of saving on car insurance is knowing some of the things that help determine your policy premiums. When consumers understand what determines base rates, this helps enable you to make changes that could result in lower rates.
The list below includes some of the things companies use to determine your prices.
- Combine home and auto and save – The majority of insurers will give better rates to buyers that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, consumers should still compare Hyundai Accent rates in Chula Vista to confirm you are receiving the best rates possible.
- Certain jobs pay higher premiums – Occupations such as judges, airline pilots, and emergency personnel usually pay higher premiums than the average policyholder in part from intense work-related stress and lots of time spent away from family. On the other hand, jobs such as farmers, engineers and the unemployed have the lowest average rates.
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Premiums go up with performance – The performance level of the car you are insuring makes a big difference in your auto insurance rates. The cheapest insurance rates will generally be found on small economy passenger cars, but many other things help determine your insurance rates.
The chart below is based on a married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It shows Hyundai Accent insurance rates compared to other models that have a range of risk factors.
- Save money with excellent credit – Your credit score will be a significant factor in determining premium rates. Drivers with excellent credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores. If your credit rating is not that good, you may save money insuring your Hyundai Accent by taking the time to improve your credit score.
- High comp and collision deductibles lower rates – The deductibles you choose are the amount of money you are willing to pay if you file a covered claim. Physical damage protection, aka comp and collision, insures against damage to your car. A few examples of covered claims could be colliding with a stationary object, fire damage, and having a roll-over accident. The larger the amount you’re willing to pay, the lower your rates will be.
- Single drivers may pay more – Getting married can get you a discount compared to being single. Marriage generally demonstrates drivers are more mature than a single person and it’s statistically proven that married drivers tend to file fewer claims.
- GPS tracking and theft deterrents reduce premiums – Owning a car that has a built-in theft deterrent system can earn a premium discount. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your car from being stolen.
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Claims statistics for a Hyundai Accent – Auto insurance companies include the past claim trends for vehicles to calculate a rate that offsets possible losses. Models that the statistics show to have higher number or severity of losses will have increased rates.
The table below outlines the historical loss data for Hyundai Accent vehicles. For each type of coverage, the claim probability for all vehicles averaged together is a value of 100. Values that are 100 or less are indicative of better than average losses, while percentage values above 100 show a trend for more claims or statistically larger claims.
Hyundai Accent Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Hyundai Accent 98 109 89 129 129 133 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Why auto insurance is not optional
Even though it’s not necessarily cheap to insure a Hyundai in Chula Vista, auto insurance is required in California but it also protects you in many ways.
First, just about all states have minimum liability requirements which means state laws require a minimum amount of liability protection if you want to drive legally. In California 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 loan on your vehicle, it’s guaranteed your bank will make it a condition of the loan that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank or lender will purchase a policy for your Hyundai at a more expensive rate and require you to pay for the expensive policy.
Third, auto insurance protects both your Hyundai Accent and your personal assets. It will also reimburse you for many types of medical costs that are the result of an accident. As part of your policy, liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance greatly outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is wasting up to $850 per year so it’s very important to do a rate comparison once a year at a minimum to help ensure money is not being wasted.
Cheaper car insurance rates are out there
We just presented many ways to find cheap Hyundai Accent insurance in Chula Vista. It’s most important to understand that the more you quote Chula Vista car insurance, the better likelihood of getting inexpensive Chula Vista car insurance quotes. Consumers could even find that the best premium rates are with a smaller regional carrier.
Low-cost Hyundai Accent insurance in Chula Vista is definitely available online and from local insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not have online quoting and usually these small insurance companies provide coverage only through independent insurance agents.
As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. In too many instances, someone dropped uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your focus should be to buy a smart amount of coverage at the best price, but do not skimp to save money.
How to find the cheapest rates for Hyundai Accent insurance in Chula Vista
If you want to save the most money, the best way to get budget Hyundai Accent insurance in Chula Vista is to compare quotes annually from different companies who sell insurance in California. You can shop around by completing these steps.
- Step 1: Try to learn a little about individual coverages and the changes you can make to drop your rates. Many rating criteria that cause high rates like getting speeding tickets and a negative credit score can be eliminated by making lifestyle changes or driving safer.
- Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while independent agents can quote rates from multiple insurance companies.
- Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.
- Step 4: Provide proper notification to your current company of your intent to cancel the current policy and submit a down payment along with a completed application for your new policy. As soon as coverage is bound, store the certificate verifying coverage with your registration paperwork.
One key aspect of rate comparisons is to use identical coverages on every price quote and to quote with as many carriers as you can. This provides an accurate price comparison and a thorough selection of prices.
Additional detailed information is located in these articles:
- Vehicle Safety Ratings (iihs.org)
- Who Has the Cheapest Chula Vista Car Insurance Rates for Teenage Females? (FAQ)
- Who Has Affordable Chula Vista Auto Insurance for a Toyota RAV4? (FAQ)
- Who Has Cheap Auto Insurance for Safe Drivers in Chula Vista? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford F-150 in Chula Vista? (FAQ)
- Rollover Crash FAQ (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)