Lower Your 1995 Honda Prelude Car Insurance Quotes

Trying to find lower car insurance rates for your Honda Prelude? Have you fallen victim to high-priced car insurance? Trust us, there are a lot of people just like you who feel imprisoned by their car insurance policy.

Drivers have multiple insurance companies to insure vehicles with, and although it’s nice to have a selection, it can be more challenging to find a good deal.

Consumers should take time to shop coverage around on a regular basis since insurance rates change frequently. Despite the fact that you may have had the best deal for Prelude insurance six months ago the chances are good that you can find a lower rate today. Don’t believe everything you read about car insurance online, so we’re going to give you some of the best ways to find affordable car insurance.

This information will help educate you on how to get online quotes and some money-saving tips. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. Although drivers do need to know how companies market on the web and take advantage of how the system works.

Discounts are available to cut your rates

The price of auto insurance can be rather high, buy you may qualify for discounts to cut the cost considerably. Some trigger automatically at the time of purchase, but a few need to be specifically requested before they will apply.

  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Memberships – Participating in a qualifying organization may earn a discount on insurance for Prelude insurance.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Homeowners Discount – Owning a home can save you money because maintaining a house requires personal responsibility.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, insurance companies aren’t that generous. But any discount will bring down your overall premium however.

A partial list of companies that possibly offer these discounts include:

Check with every prospective company which discounts you may be entitled to. Discounts might not apply in your area.

What determines your Honda Prelude insurance premium

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

The list below includes some of the items companies use to determine premiums.

  • Rural vs Urban Areas – Choosing to live in a rural area can be a good thing when it comes to car insurance. City drivers have to deal with much more traffic and longer commute times. Lower population means fewer accidents and a lower car theft rate.
  • Do you have enough liability coverage? – The liability section of your policy provides coverage if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse will be a guaranteed way to bump up your car insurance costs. Not only will rates go up, failure to provide proof of insurance might get you a steep fine or even jail time.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Honda Prelude is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Extra coverages can waste money – There are many extra bells and whistles that can waste your money when buying car insurance. Things like personal injury protection, accident forgiveness and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them from your policy.
  • Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

Everyone needs different coverages

When it comes to buying coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I benefit by insuring my home with the same company?
  • Are my friends covered when driving my car?
  • Are split liability limits better than a combined single limit?
  • Should I buy additional glass protection?
  • Is my 1995 Honda Prelude covered for smoke damage?
  • Is my babysitter covered when using my vehicle?
  • Is my camper covered by my car insurance policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance policy specifics

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Honda Prelude.

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 should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills like chiropractic care, hospital visits, prosthetic devices, X-ray expenses and doctor visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for collisions

Collision coverage pays for damage to your Prelude resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like structural damage, medical expenses, court costs and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, damage from getting keyed, hitting a deer, a broken windshield and hitting a bird. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Compare but don’t skimp

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. In many cases, drivers have reduced physical damage coverage and learned later that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford, not the least amount of coverage.

We just showed you many ways to shop for 1995 Honda Prelude insurance online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Drivers may discover the best price on insurance is with a small mutual company. They may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

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