It’s safe to conclude that auto insurance companies want to keep your business as long as possible. Consumers who perform rate comparisons will most likely buy a new policy because the odds are good of finding discount prices. Remarkably, a study showed that drivers who made a habit of comparing rates saved as much as $3,400 over four years as compared to drivers who never compared rates.
If finding the cheapest rates on car insurance is your goal, then having an understanding of how to quote and compare insurance premiums can help make the process easier and more efficient.
The most effective way to find low-cost car insurance rates in Long Beach is to make a habit of comparing prices annually from companies in California. You can compare prices by completing these steps.
- First, spend some time learning about car insurance and the things you can change to keep rates in check. Many rating criteria that increase rates like distracted driving and an unacceptable credit score can be rectified by making small lifestyle or driving habit changes.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from multiple sources.
- Third, compare the quotes to your existing policy and see if there is a cheaper rate. If you can save some money, make sure coverage does not lapse between policies.
- Fourth, tell your current agent or company to cancel your current policy and submit a completed application and payment for your new policy. As soon as you can, store the certificate verifying coverage along with your vehicle registration.
An important bit of advice to remember is to use similar coverage information on every quote request and and to analyze as many companies as you can. This enables an apples-to-apples comparison and a good representation of prices.
Most major insurance companies make it easy to get coverage prices from their websites. Getting Hyundai Accent insurance prices online is quite easy because it’s just a matter of typing in the amount of coverage you want as requested by the quote form. Once you submit the form, their quoting system pulls your credit score and driving record and returns a price quote.
The ability to get online price quotes for Hyundai Accent insurance in Long Beach simplifies rate comparisons, and it’s also necessary to get many rate quotes if you want to get the best rate.
To find out how much you’re overpaying now, check out the insurance providers below. To compare your current rates, we recommend you copy the coverage information identical to your current policy. This ensures you are getting comparison quotes based on the exact same insurance coverage.
The providers in the list below are ready to provide free rate quotes in California. To get cheap auto insurance in Long Beach, we recommend you compare several of them in order to get a fair rate comparison.
Get affordable Hyundai Accent insurance in Long Beach with discounts
Car insurance can cost a lot, but there could be significant discounts that you may not even know about. Some of these discounts will be visible when you complete an application, but lesser-known reductions have to be specially asked for before you get the savings.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like State Farm, Progressive and GEICO will let one accident slide before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
- Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you may reduce your total bill.
- Bundled Policy Discount – If you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
- Defensive Driver – Taking time to complete a defensive driver class could cut 5% off your bill if your company offers it.
- Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.
- Military Deployment Discount – Being on active duty in the military may lower your prices slightly.
- Long Beach Homeowners Pay Less – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home means you have a higher level of financial diligence.
A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.
The chart below illustrates the comparison of Hyundai Accent auto insurance rates with and without discounts applied to the policy rates. The price estimates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, multi-car, safe-driver, and homeowner discounts applied.
Insurance companies that have some of the discounts shown above may include but are not limited to:
Before buying, ask all the companies which credits you are entitled to. Depending on the company, some discounts might not be offered in every state. If you would like to see a list of car insurance companies who offer online Hyundai Accent insurance quotes in California, click here.
Statistics and details
The rate information displayed next showcases estimates of insurance policy prices for Hyundai Accent models. Learning as much as possible about how auto insurance premiums are calculated helps drivers make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $242 | $554 | $394 | $24 | $118 | $1,332 | $111 |
| Accent GS 2-Dr Hatchback | $284 | $672 | $394 | $24 | $118 | $1,492 | $124 |
| Accent GLS 4-Dr Sedan | $284 | $792 | $524 | $32 | $156 | $1,788 | $149 |
| Accent SE 2-Dr Hatchback | $326 | $912 | $394 | $24 | $118 | $1,774 | $148 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in Long Beach location which can increase or decrease prices substantially.
Can higher deductibles save money?
One common question asked by Long Beach drivers is how high should the physical damage deductibles be. The figures shown below sum up the differences in price between high and low physical damage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $282 | $564 | $376 | $22 | $112 | $1,381 | $115 |
| Accent GS 2-Dr Hatchback | $332 | $686 | $376 | $22 | $112 | $1,553 | $129 |
| Accent GLS 4-Dr Sedan | $332 | $810 | $500 | $30 | $150 | $1,847 | $154 |
| Accent SE 2-Dr Hatchback | $380 | $932 | $376 | $22 | $112 | $1,847 | $154 |
| 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 | |||||||
Prices based on 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. Table data does not factor in specific location information which can influence premiums significantly.
Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $30 more each month or $360 every year across all Hyundai Accent models than quoting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 13 months between claim filings, you would save money going with the higher deductible. Here is how you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $138 |
| Average monthly premium for $500 deductibles (subtract): | – $108 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
An important sidenote is that raising deductibles means you will have to pay more of your own money when you have to file a claim. You need enough money in the bank in the event you need to pay the deductible.
How accidents and tickets impact rates in Long Beach
The information below illustrates how speeding tickets and accidents can drive up Hyundai Accent insurance rates for different insured age categories. The premium estimates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
Cost comparison with and without full coverage
The illustration below visualizes the comparison of Hyundai Accent car insurance rates with full coverage compared to only the California minimum liability coverage. The data is based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
When to eliminate full coverage
There is no exact formula that is best for determining when to drop comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s say your Hyundai Accent replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If you are paying in excess of $300 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where removing full coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.
Are insurance agencies of importance?
Many drivers would rather visit with an insurance agent and that can be a smart move Licensed agents can answer important questions and help you file claims. The biggest benefit of comparing insurance online is that you can obtain better rates but also keep your business local. And supporting local insurance agents is important especially in Long Beach.
For easy comparison, once you complete this simple form, your insurance coverage information gets sent to local insurance agents that provide free Long Beach auto insurance quotes for your insurance coverage. There is no reason to contact an agency since price quotes are sent to you. If you wish to get a price quote for a specific company, don’t hesitate to search and find their rate quote page and complete a quote there.
Listed below are agents in Long Beach that may be willing to give comparison quotes for Hyundai Accent insurance in Long Beach.
- Jim Seilsopour – State Farm Insurance Agent
4195 N Viking Way Ste 180 – Long Beach, CA 90808 – (562) 420-6819 – View Map - Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map - State Farm: Keir Jones
5150 E Colorado St – Long Beach, CA 90814 – (562) 433-5573 – View Map - Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map
Choosing the best provider requires you to look at more than just the quoted price. Get answers to these questions too.
- Are they in the agency full-time?
- Do they regularly work with personal auto policies in Long Beach?
- Is there a local claims center in Long Beach?
- How much will you save each year by using a higher deductible?
- Do the coverages you’re quoting properly cover your vehicle?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
After talking to the agent and getting satisfactory answers and an acceptable price quote, it’s a good possibility that you have found an insurance company that is reliable enough to service your policy. But remember, consumers can cancel coverage when you choose so don’t assume that you are permanently stuck with a policy with no way out.
Informed Drivers Can Lower Their Insurance Premiums
Lots of factors are part of the equation when you quote your car insurance policy. Most are fairly basic like your driving record, although some other factors are not as apparent such as your marital status or your financial responsibility.
The factors shown below are most of the major factors utilized by car insurance companies to help set your rate level.
Teenagers are high risk – Drivers with little experience have been known to be less responsible with other occupants in the car so auto insurance rates are higher. Adding a youthful driver onto your auto insurance can increase premiums substantially. Mature drivers are more responsible, tend to file fewer claims, and usually have better credit.
The following data assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Policy add-ons can waste money – There are many additional extra coverages that you can get tricked into buying when buying auto insurance. Insurance for things like coverage for rental cars, towing, and term life insurance may be costing you every month. You may think they are a good idea when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
The type of car makes a difference – The performance of the car you need to insure makes a big difference in your auto insurance rates. The cheapest insurance rates are usually found on low performance passenger vehicles, but there are many factors that impact the final cost.
The chart below assumes a single female driver age 40, full coverage with $250 deductibles, and no discounts or violations. It compares Hyundai Accent insurance rates compared to other models that have different performance rating factors.
Battle of the sexes – Over the last 30 years, statistics show females are less aggressive when driving. Now that doesn’t mean women are BETTER drivers than men. Both genders get in at-fault accidents at about the same rate, but the male of the species tend to have higher claims. In addition to higher claims, males also get ticketed for serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 are the most expensive to insure and therefore have the most expensive auto insurance rates.
The information below shows the comparison of Hyundai Accent insurance prices for male and female drivers. The information is based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no policy discounts are applied.
Raising comp and collision deductibles lowers premiums – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your Hyundai. Examples of covered claims could be a broken side mirror, vandalism, and windstorm damage. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay if the claim is covered. The more money the insured has to pay upfront, the lower your rates will be.
Hyundai Accent statistical loss data – Auto insurance companies include the past claim trends for vehicles to help set a rate to offset losses. Vehicles that are shown to have higher number or severity of losses will have higher rates. The table below demonstrates the loss history for Hyundai Accent vehicles.
For each coverage category, the statistical loss for all vehicles, regardless of manufacturer or model, is considered to be 100. Values that are below 100 mean the vehicle has better than average losses, while values that are above 100 point to more losses or statistically larger claims.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Accent | 98 | 109 | 89 | 129 | 129 | 133 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three reasons car insurance is important
Even though Long Beach Accent insurance rates can get expensive, insurance is mandatory in California but it also protects more than you think.
- The majority of states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability coverage if you drive a vehicle. 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.
- If your vehicle has a lienholder, it’s guaranteed your bank will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Hyundai for a lot more money and require you to fork over the higher price.
- Insurance protects not only your Hyundai Accent but also your financial assets. Insurance will pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance also covers legal expenses if anyone sues you for causing an accident. If you have damage to your Hyundai as the result of the weather or an accident, your policy will pay to repair the damage.
The benefits of carrying adequate insurance outweigh the cost, specifically if you ever have a liability claim. An average driver in America is overpaying more than $750 every year so compare rate quotes every year to ensure rates are competitive.
Best car insurance in California
Choosing the best auto insurance company is hard considering how many companies there are to choose from in California. The ranking information in the lists below could help you decide which car insurance companies you want to consider when shopping your coverage around.
Top 10 Long Beach Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
One last note
When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best cost and still be able to protect your assets.
We’ve covered a lot of techniques to get a better price on Hyundai Accent insurance in Long Beach. The most important thing to understand is the more companies you get prices for, the better your comparison will be. You may even be surprised to find that the best premium rates are with a smaller regional carrier.
People change insurance companies for any number of reasons including questionable increases in premium, an unsatisfactory settlement offer, not issuing a premium refund and even denial of a claim. Whatever your reason, choosing a new insurance company can be less work than you think.
To read more, link through to the articles below:
- Understanding Rental Car Insurance (Insurance Information Institute)
- What Insurance is Cheapest for a Ford Escape in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Car Insurance for Infrequent Drivers? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Insuring a Leased Car (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)
- Distracted Driving Extends Beyond Texting (State Farm)