Affordable Quotes for Hyundai Accent Insurance in Oakland

How many times have you said it’s time to compare the cheapest Hyundai Accent insurance in Oakland? There isn’t anyone who loves paying for auto insurance, especially when they are aware that they are paying too much.

Insurance for Hyundai AccentWe don’t have to tell you that car insurance companies don’t want policyholders to compare prices from other companies. Drivers who compare other rates are likely to switch auto insurance companies because there is a good probability of finding a lower rate. Remarkably, a study showed that drivers who shopped around every year saved on average $72 a month compared to other drivers who never compared rates.

If finding the cheapest rates on auto insurance is why you’re reading this, then understanding the best way to shop and compare coverage rates can make the process more efficient.

You have multiple insurers to insure vehicles with, and although it’s a good thing to be able to choose, too many choices makes it more difficult to find a good deal for Hyundai Accent insurance in Oakland.

You should make it a habit to shop coverage around on a regular basis because rates tend to go up over time. Even if you think you had the best deal on Hyundai Accent insurance in Oakland on your last policy you can probably find a better price now. You’ll find a ton of advice on Accent insurance online, but you can learn the best ways to lower your auto insurance premiums.

Finding the cheapest coverage in Oakland is actually very simple if you learn how to start. If you already have coverage, you should be able to shop for the lowest rates using the ideas you’re about to read. But California car owners do need to understand how companies determine what you pay because it varies considerably.

Shop Hyundai Accent insurance online

When comparison shopping, there are several ways to obtain and compare prices from different Oakland insurance companies. One of the best ways to find affordable Hyundai Accent insurance rates involves getting comparison quotes online.

Getting free quotes online is quite simple, and it takes the place of having to make phone calls or go to all the different Oakland insurance agencies. Quoting and buying Hyundai Accent insurance online can eliminate the need for a local agent unless you want the professional abilities of an agent trained in personal lines coverage. However, consumers can get prices online but have a local agent actually write the policy. When comparing auto insurance rates, know that comparing more quotes increases the chance that you will find a lower rate than you’re paying now.

The companies shown below have been selected to offer price comparisons in California. If your goal is to find cheaper auto insurance in Oakland, it’s a good idea that you visit as many as you can to get the most affordable price.

Auto insurance is not optional

Despite the fact that auto insurance is not cheap in Oakland, paying for auto insurance serves several important purposes.

First, most states have minimum mandated liability insurance limits which means state laws require a specific level of liability if you don’t want to risk a ticket. 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 your car has a loan, most banks will require you to have physical damage coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Hyundai at a much higher rate and force you to reimburse them for the much more expensive policy.

Third, insurance safeguards your Hyundai Accent and your assets. It will also reimburse you for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay for a defense attorney if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of insuring your Accent outweigh the cost, specifically if you ever have a liability claim. But the average American driver overpays more than $800 each year so it’s important to compare rates once a year at a minimum to save money.

Facts and figures for Hyundai Accent insurance

The rate information displayed below showcases estimates of coverage costs for Hyundai Accent models. Having a good grasp of how auto insurance prices are formulated can help you make decisions when shopping your coverage around.

Hyundai Accent Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $152 $292 $384 $22 $114 $964 $80
Accent GS 2-Dr Hatchback $178 $354 $384 $22 $114 $1,052 $88
Accent GLS 4-Dr Sedan $178 $418 $510 $30 $152 $1,288 $107
Accent SE 2-Dr Hatchback $204 $482 $384 $22 $114 $1,206 $101
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific Oakland garaging location which can decrease or increase insurance rates significantly.

Physical damage deductibles

One of the most common auto insurance questions is how low should you set your deductibles. The rates shown below may help to illustrate the premium difference of buying low and high policy deductibles. The first rate table uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Hyundai Accent insurance policy rates with $100 deductibles
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

Hyundai Accent insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $156 $298 $376 $22 $112 $964 $80
Accent GS 2-Dr Hatchback $184 $362 $376 $22 $112 $1,056 $88
Accent GLS 4-Dr Sedan $184 $426 $500 $30 $150 $1,290 $108
Accent SE 2-Dr Hatchback $210 $490 $376 $22 $112 $1,210 $101
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, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in Oakland location which can change premium rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you about $44 more each month or $528 for a full year across all Hyundai Accent models than buying the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 20 months between claims, you would most likely save money if you elect the higher deductible.

Men versus women drivers and insurance cost

The information below shows the difference between Hyundai Accent annual premium costs for male and female drivers. The costs are based on no claims or violations, full coverage, $1,000 deductibles, single marital status, and no discounts are factored in.

Full coverage rates vs. liability-only in Oakland

The diagram below illustrates the comparison of Hyundai Accent auto insurance rates with and without physical damage coverage. The premiums are based on no claims or driving violations, $100 deductibles, single marital status, and no additional discounts are factored in.

When to drop full coverage

There is no definitive formula for dropping physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s pretend your Hyundai Accent settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after paying your policy deductible. If you are paying in excess of $800 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some scenarios where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

Insurance policy discounts you can’t miss

Not many people think insurance is cheap, but there could be available discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be inquired about before they will apply.Discount insurance

You should keep in mind that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you aren’t that lucky.

The example below shows the comparison of Hyundai Accent auto insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, claim-free, and marriage discounts applied.

A few of the larger companies and some of their more popular discounts are outlined below.

Check with all companies you are considering which discounts they offer. Some credits may not apply to policyholders in your area.

Buying car insurance from Oakland car insurance agents

A small number of people prefer to have an agent’s advice and that is a smart decision The biggest benefit of comparing rates online is the fact that you can find cheaper auto insurance rates and still buy from a local agent.

Find insurance agent in OaklandTo help locate an agent, after submitting this quick form, your insurance data gets sent to local insurance agents who will give competitive quotes to get your business. There is no reason to contact any insurance agencies since rate quotes are delivered to your email. You can get cheaper car insurance rates AND a local agent. If you want to compare prices from a specific company, you would need to find their quoting web page and complete a quote there.

Choosing the best company shouldn’t rely on just a cheap price. These are valid questions to ask:

Pick the best car insurance agent in Oakland for you

If you would like to find a reputable agency, you need to know there are two different agency structures and how they function. Car insurance policy providers are classified as either exclusive or independent (non-exclusive).

Exclusive Agencies

Agents that elect to be exclusive write business for a single company such as State Farm, Allstate and AAA. These agents are not able to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well schooled on what they offer which helps overcome the inability to quote other rates.

Shown below is a short list of exclusive agents in Oakland that are able to give rate quotes.

388 9th St #259Oakland, CA 94607(510) 893-3978View Map

5301 Claremont AveOakland, CA 94618(510) 658-2722View Map

490 Grand Ave #210Oakland, CA 94610(510) 653-2900View Map

More Oakland agents

Independent Agencies or Brokers

Agents of this type are normally appointed by many insurers so they can quote policies with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move your policy to a different company which requires no work on your part. If you need lower rates, you absolutely need to include a few independent agents to have the best price comparison.

Below are Oakland independent agencies willing to provide comparison quotes.

1714 Franklin St Suite 305Oakland, CA 94612(510) 655-6969View Map

5707 Redwood RdOakland, CA 94619(510) 530-4415View Map

Thandi Insurance Brokerage
2859 Mandela PkwyOakland, CA 94608(510) 452-1566View Map

More Oakland agents

Shop smart and save

We just presented many ideas to find lower-cost Hyundai Accent insurance in Oakland. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best price on insurance is with a small local company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

Cheap Hyundai Accent insurance in Oakland can be sourced both online as well as from independent agents in Oakland, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don’t offer price quotes online and these small, regional companies only sell coverage through independent agents.

How to find affordable quotes for Hyundai Accent insurance in Oakland

The recommended way to get low-cost car insurance rates in Oakland is to begin comparing prices regularly from insurers that insure vehicles in California.

The critical component of shopping around is to use the same level of coverage on each price quote and and to get prices from as many different insurance providers as possible. Doing this guarantees the most accurate price comparison and the most accurate and complete price analysis.

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