1990 Honda Prelude Car Insurance Quotes – 10 Policy Discounts

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Believe me, there are lots of people in the same boat.

Because you have many different company options, it can be impossible to pick the most cost effective provider.

Compare Auto Insurance Costs

When shopping for auto insurance there are multiple ways to get quotes from auto insurance companies in your area. The recommended way to find the cheapest 1990 Honda Prelude insurance rates involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

The best way to get quotes for comparison is a comparison rater form click here to open form in new window. This form saves time by eliminating repetitive form submissions for each company you want a rate for. Completing one form gets rate comparisons from multiple companies.

A more time consuming way to get comparison quotes requires a visit to each company website and complete a new quote form. For example, let’s say you want rates from Liberty Mutual, Allstate and Progressive. To find out each rate you need to go to every website and enter your information, which is why the first method is quicker.

To view a list of companies in your area, click here.

Whichever way you use, make absolute certain that you use exactly the same coverage limits and deductibles for each comparison quote. If the quotes have different liability limits it’s impossible to determine the best price for your Honda Prelude. Having just a slight variation in coverage limits can mean a large discrepancy in price. It’s important to know that comparing more company’s prices helps locate a lower rate.

Verify you’re getting all your discounts

Car insurance companies don’t list every available discount very well, so here is a list both well-publicized and the more hidden savings tricks you should be using.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Senior Citizens – Older drivers can possibly qualify for reduced rates on Prelude coverage.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Prelude coverage with certain companies.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Driver Safety – Taking part in a driver safety course could save 5% or more depending on where you live.

It’s important to understand that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

For a list of insurers who offer insurance coverage discounts, follow this link.

When should I talk to an agent?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help highlight if your insurance needs may require specific advice.

  • How much liability do I need to cover my assets?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I break a side mirror?
  • I don’t drive much so do I pay less?
  • Am I covered if I drive in a foreign country?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages 101

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Collision – This covers damage to your Prelude resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses for things like ambulance fees, prosthetic devices, chiropractic care, EMT expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability – Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, loss of income and attorney fees. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, damage from getting keyed, vandalism, damage from a tornado or hurricane and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In conclusion

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced physical damage coverage only to find out that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

You just learned quite a bit of information on how to compare 1990 Honda Prelude insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced car insurance comes from an unexpected company. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.

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