If you want to save the most money, the best way to find more affordable Hyundai Accent insurance is to start comparing prices regularly from different companies in Omaha.
- Spend a few minutes and learn about how companies set rates and the steps you can take to prevent expensive coverage. Many factors that drive up the price like getting speeding tickets and an unacceptable credit history can be rectified by paying attention to minor details.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes from many different companies.
- Compare the new rates to your current policy and see if there is a cheaper rate in Omaha. If you can save money, ensure there is no coverage lapse between policies.
- Tell your current agent or company to cancel your current car insurance policy. Submit any necessary down payment along with the completed application for the new coverage. Once coverage is bound, put the new certificate verifying coverage in an accessible location in your vehicle.
One key aspect when comparing rates is to use similar coverage information on each quote request and and to get quotes from as many companies as feasibly possible. This provides an accurate price comparison and maximum price selection.
It’s shocking but over 70% of consumers have been with the same company for four years or more, and roughly 40% of drivers have never compared rates with other companies. With the average auto insurance premium being $1,440, Omaha drivers could save themselves $400 a year just by getting comparison quotes, but they just don’t want to compare rate quotes online.
If you have auto insurance now, you stand a good chance to be able to get lower rates using the concepts you’re about to learn. Buying the cheapest auto insurance in Omaha is really quite easy. Nevertheless, Nebraska vehicle owners benefit from understanding how the larger insurance companies price insurance differently.
Car insurance providers offering competitive rates in Nebraska
The companies shown below offer price quotes in Nebraska. To find the cheapest car insurance in Omaha, it’s a good idea that you get rates from several of them to get the lowest price.
Rates and statistics
The premium table below covers different insurance coverage prices for Hyundai Accent models. Having a better idea how insurance premiums are determined can help drivers make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $92 | $198 | $268 | $16 | $80 | $654 | $55 |
| Accent GS 2-Dr Hatchback | $108 | $240 | $268 | $16 | $80 | $712 | $59 |
| Accent GLS 4-Dr Sedan | $108 | $284 | $356 | $22 | $106 | $876 | $73 |
| Accent SE 2-Dr Hatchback | $124 | $326 | $268 | $16 | $80 | $814 | $68 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in your specific Omaha location which can modify coverage rates noticeably.
Insurance deductibles
When shopping for insurance, a common question is which comprehensive and collision deductibles to buy. The rates below can help show how much more rates are between low and high comp and collision deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $192 | $382 | $254 | $16 | $76 | $945 | $79 |
| Accent GS 2-Dr Hatchback | $224 | $466 | $254 | $16 | $76 | $1,061 | $88 |
| Accent GLS 4-Dr Sedan | $224 | $548 | $338 | $20 | $102 | $1,257 | $105 |
| Accent SE 2-Dr Hatchback | $258 | $632 | $254 | $16 | $76 | $1,261 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $106 | $202 | $254 | $16 | $76 | $654 | $55 |
| Accent GS 2-Dr Hatchback | $124 | $246 | $254 | $16 | $76 | $716 | $60 |
| Accent GLS 4-Dr Sedan | $124 | $290 | $338 | $20 | $102 | $874 | $73 |
| Accent SE 2-Dr Hatchback | $144 | $334 | $254 | $16 | $76 | $824 | $69 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in zip code location which can modify price quotes greatly.
Based on these figures, using a $100 deductible will cost you approximately $30 more each month or $360 every year across all Hyundai Accent models than opting for the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 30 months between claim filings, you would most likely save money if you choose a higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $100 deductibles: | $94 |
| Average monthly premium for $1,000 deductibles (subtract): | – $64 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
An important thing to remember is that a higher deductible means you will have to pay more when you have a physical damage claim. You need enough disposable savings in the event you need to pay the deductible to have repairs made.
The information below illustrates how your deductible choice and can impact Hyundai Accent annual premium costs for different ages of insureds. The data is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Impact of violations and accidents on rates
The chart below illustrates how traffic citations and accident claims can drive up Hyundai Accent car insurance rates for different insured age categories. The premium estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
Auto insurance policy discounts for Hyundai Accent insurance in Omaha
Auto insurance companies don’t necessarily list every discount available in an easy-to-find place, so the following list contains some of the best known in addition to some of the lesser obvious ways to save on auto insurance.
- Drivers Education – Have your child enroll and complete driver’s education in high school.
- Sign Early and Save – A few companies allow discounts for switching companies prior to your current Accent insurance policy expiration. You may see this discount when you get Omaha car insurance quotes online.
- ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
- Responsible Drivers – Drivers without accidents can pay as much as 50% less compared to accident prone drivers.
- Paper-free Discount – Some of the larger companies will give a small break simply for signing on their website.
- Student Discounts – Excelling in school can save 20 to 25%. You can use this discount normally until age 25.
- Club Memberships – Being a member of a professional or civic organization could earn you a nice discount on your next auto insurance statement.
- No Claims – Insureds with no claims or accidents pay much less when compared with bad drivers.
A little disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.
The chart below visualizes the comparison of Hyundai Accent auto insurance costs with and without discounts applied to the premium. The rates are based on a male driver, no claims or driving violations, Nebraska state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, claim-free, marriage, and multi-car discounts applied.
A few of the larger companies and a summarized list of policyholder discounts can be found below.
- Farm Bureau has discounts for 55 and retired, good student, renewal discount, multi-vehicle, and safe driver.
- MetLife includes discounts for good student, defensive driver, good driver, accident-free, claim-free, and multi-policy.
- Progressive may have discounts that include continuous coverage, multi-policy, homeowner, online signing, online quote discount, good student, and multi-vehicle.
- AAA may include discounts for good driver, education and occupation, pay-in-full, AAA membership discount, and anti-theft.
- American Family policyholders can earn discounts including TimeAway discount, mySafetyValet, accident-free, multi-vehicle, and good driver.
- GEICO discounts include driver training, multi-policy, anti-theft, air bags, seat belt use, and five-year accident-free.
- State Farm offers premium reductions for defensive driving training, driver’s education, good driver, multiple autos, and safe vehicle.
When getting free Omaha car insurance quotes, it’s a good idea to every insurance company how many discounts you can get. Depending on the company, some discounts may not apply to policies in Omaha. To see a list of insurers who offer cheap Hyundai Accent insurance quotes in Omaha, click this link.
Situations that may require an agent’s advice
When it comes to choosing your policy, there really is no single plan that fits everyone. Your situation is unique.
These are some specific questions might point out whether your personal situation may require specific advice.
- Should I pay a claim out-of-pocket?
- What if I owe more than I can insure my car for?
- Do I need medical payments coverage since I have good health insurance?
- Can my teen driver be rated on a liability-only vehicle?
- Are my custom wheels covered?
- Is rental equipment covered for theft or damage?
- Am I covered by my spouse’s policy after a separation?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.
Insurance agent or online?
A small number of people would prefer to have an agent’s advice and there is nothing wrong with that. One of the great benefits of price shopping on the web is you can get cheaper rates and still buy from a local agent.
Upon completion of this short form, the quote information is instantly submitted to participating agents in Omaha who can give free rate quotes for your insurance coverage. You never need to find an agent on your own as quotes are delivered to your email. You can find the lowest rates without having to waste a lot of time. If you wish to get a price quote for a specific company, you just need to find their quoting web page and fill out their quote form.
Picking the best company needs to be determined by more than just the premium amount. You should also get answers to these questions.
- Do they offer claims assistance after hours?
- Do they assist clients in filing claims?
- Are aftermarket or OEM parts used to repair vehicles?
- How long has their agency been in business in Omaha?
- Do the companies they represent have a solid financial rating?
- When do they do a full risk review?
- What insurance companies do they work with in Omaha?
- What company do they have the most business with?
Compare rates from both independent and exclusive car insurance agents
If you are wanting to find local Omaha agents, there are a couple of different types of agencies and how they work. Omaha agents are either independent or exclusive.
Exclusive Agencies
These type of agents write business for a single company such as State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. These agents are highly trained on the products they sell which helps them compete with independent agents.
Below are exclusive insurance agencies in Omaha who can help you get price quote information.
American Family Insurance – T. C. Johnson Agency Inc.
155 N 72nd St – Omaha, NE 68114 – (402) 561-8633 – View Map
Anthony Anderson – State Farm Insurance Agent
11204 Davenport St #200 – Omaha, NE 68154 – (402) 393-0300 – View Map
Erica Wilkinson – State Farm Insurance Agent
7601 Pacific St – Omaha, NE 68114 – (402) 590-2020 – View Map
Independent Insurance Agents
Agents that elect to be independent are not required to write business for one company and that enables them to quote your coverage through lots of different companies and find the cheapest rate. If they quote lower rates, they simply switch companies in-house and that require little work on your part.
When comparing rate quotes, you definitely need to get several quotes from independent agents in order to compare the most rates.
Listed below is a short list of independent agents in Omaha that can give you price quote information.
Southwell Insurance Agency, LLC.
2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940 – View Map
Encore Insurance Group of Omaha
11929 Elm St Suite 11 – Omaha, NE 68144 – (402) 552-8700 – View Map
Omaha Insurance Services, Inc.
11132 O St – Omaha, NE 68137 – (402) 592-4455 – View Map
Parts of your insurance policy
Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Collision protection
Collision coverage will pay to fix damage to your Accent caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims like hitting a parking meter, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible on your Accent in order to get cheaper collision rates.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like fire damage, hail damage, damage from a tornado or hurricane, damage from flooding and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Accent.
Since many Nebraska drivers only purchase the least amount of liability that is required (25/50/25 in Nebraska), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, pain medications, dental work and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible
Auto liability
This coverage can cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for things like attorney fees, loss of income, medical expenses, structural damage and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Nebraska state law requires minimum liability limits of 25/50/25 but you should think about purchasing more coverage.
The illustration below demonstrates why the minimum limit may not provide you with enough coverage.
Quote often and quote early
Cost effective Hyundai Accent insurance can be sourced on the web and from local insurance agents, so you need to quote Omaha car insurance with both to get a complete price analysis. A few companies may not have rates over the internet and usually these small, regional companies only sell coverage through independent agents.
In this article, we covered many ways to compare Hyundai Accent insurance prices in Omaha. It’s most important to understand that the more rate quotes you have, the higher your chance of finding affordable Hyundai Accent insurance quotes. You may even be surprised to find that the most savings is with some of the smallest insurance companies.
As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. In too many instances, drivers have reduced collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.
More detailed insurance information is available in these articles:
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Auto Insurance for Felons in Omaha? (FAQ)
- Who Has Cheap Omaha Auto Insurance Quotes for Used Cars? (FAQ)
- How Much is Auto Insurance for a GMC Sierra in Omaha? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Chevrolet Silverado in Omaha? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Infrequent Drivers in Omaha? (FAQ)
- Who Has Cheap Omaha Auto Insurance Rates for Nurses? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Rental Reimbursement Coverage (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Can I Drive Legally without Insurance? (Insurance Information Institute)