Gloria Livengood has been the owner of Accent Insurance Agency since 2004. Her late husband, Mark R Livengood, founded the company in 1989. The late Livengood was an ardent businessman, with a contagious sense of humor and genuine concern for his clients. Since Mark’s passing, Gloria has continued to operate the agency with the same philosophy. She has enlisted the services of insurance salesperson Annice Quilter in 2005 and Jackie Lucas, who has been selling insurance for 15 years.
Rates vary based on vehicle age
Hyundai Accent auto insurance rates differ widely based on vehicle age and the driver’s age. Young drivers are considered high-risk by insurers, and they will pay higher insurance rates than older adults. In fact, a 16-year-old male driver can expect to pay $5112 annually for auto insurance, whereas an older, male driver can expect to pay only $636 a year. Fortunately, there are some tips you can follow to lower your high-risk driver rate.
First, it’s important to remember that older cars are worth less than newer ones. For example, an Accord that’s nearly a decade old is worth just $986 if it was totaled. Therefore, it’s likely to cost more to repair than to replace an older Hyundai Accent. Luckily, the insurance cost is largely influenced by the age of the insured driver. Young drivers with no driving history will pay more than an older driver.
The total miles driven also influences the rate for auto insurance. Drivers with lower mileage and a clean driving history will pay less for their policy. As a rule of thumb, the less you drive, the lower your insurance rate will be. The table above gives an average rate for the top 10 states. Drivers who have fewer miles per year should shop around to find the best rates. While car age and state can play a major role in your insurance premiums, there are several other factors that can affect your rate.
While age and gender can affect a car insurance rate, these factors are not always directly related. In fact, the type of car you drive will also influence your rates. Drivers who own a Tesla will pay more for car insurance than those who drive a minivan. The cost of repairing a Tesla will increase your premium by nearly seventy percent. Furthermore, women who drive less expensive cars are more likely to be in accidents.
Another factor that can affect the rate for your Hyundai Accent is its model. When calculating your auto insurance premium, insurance providers will consider factors like the age of your car, the driver’s age, and the vehicle’s features. Because Hyundai Accents are made in different trim levels, the cost for a particular model may differ significantly from another. If you are considering getting a new car, consider switching your current policy with a new one to save money.
Another important factor that influences auto insurance rates is the base price of your vehicle. Older cars are cheaper to insure than new ones, so you should consider a cheaper car when looking for an affordable policy. Additionally, newer cars have safety and technology features that lower your premiums. For example, the modern Accent comes with airbags and driver assistance. And if you are looking for the cheapest auto insurance rates for a new Hyundai Accent, you should consider getting a quote from a trusted company.
Premiums depend on accident history
Hyundai Accent insurance rates are affected by many factors. Depending on your state, base cost of the car and age of the car will determine premiums. Your insurance will include personal injury protection, which pays for medical bills and lost income in no-fault states. In addition, you can purchase uninsured motorist coverage to pay for the expenses of another driver who is not covered by insurance. However, you must consider how much coverage you really need.
The average monthly premium for Hyundai Accent insurance is $169. In California, it is nearly 50% less than that for a driver in a different state. However, if you have multiple accidents or tickets on your record, your premiums will likely increase. The table above shows the average insurance rates in the United States. You can also save money by driving a safer car, or maintaining a clean insurance record.
Your driving history and age are other factors that affect the premium value. Young drivers tend to have higher insurance premiums than those with more experience. Also, having a poor driving history will raise your premiums. You can use a mobile app to compare auto insurance premiums to see the lowest quotes and most comprehensive coverage. If you are not satisfied with your current coverage, try switching providers. It’s possible to save money by switching insurers.
Drivers with accidents pay less
When you compare the cost of Accent auto insurance, drivers with accidents pay less. Accidents tend to be expensive, so it’s important to compare the cost of physical damage and liability coverage. Physical damage coverage, also called collision and other-than-collision, protects your car from damage caused by accidents, including back-end collisions, animals, vandalism, and theft. Physical damage deductibles vary greatly, so it’s important to know which ones you’ll need.
Good grades can result in a discount of up to 25% on your policy. You can also get a good student discount if you’re a college student. This discount typically lasts until you turn 25. Additionally, if you’re in the federal government, you can save up to 8% by using a discount program. Lastly, drivers with new cars pay less for Accent auto insurance than drivers with older models.
If you’re a high-risk driver, you’ll pay more for your Accent auto insurance. However, you can decrease the price significantly by using discounts. Some discounts are automatically triggered when you purchase your policy, but you’ll also need to ask about lesser-known ones. If you don’t take advantage of discounts, you’ll end up paying more for your policy than you need to.
The average Hyundai Accent driver pays $169 a month for liability coverage, but in California, he or she pays up to 50% less. The table above outlines the average rates in the top 10 states. There are several car discounts available, so you may be able to find a policy that will save you money on coverage. Your home state and age are both important factors in determining your rate. You should also consider any special features on your Accent.
Raising your deductible is another way to reduce your insurance rate. A deductible is the money you’ll have to pay out of your own pocket before your insurance covers an accident. For instance, if you have a $500 deductible, you’ll have to pay that money out of pocket before your insurance will cover the rest of your claim. If you have an accident and have to pay more than $500 for your deductible, you can choose to lower your deductible to avoid having to make large claims.
Not at fault accidents can also raise your rates. It depends on your state whether your insurance company can raise rates after a not-at-fault accident. State Farm is one of the few insurance companies that won’t raise your rate after a not-at-fault accident. So, when it comes to your auto insurance rates, it’s better to shop around to see if you can get a better deal elsewhere.