Lower Your 1997 Honda Prelude Insurance Rates

Searching for cheaper car insurance rates for your Honda Prelude? Locating cheaper insurance for a new or used Honda Prelude can be a lot of work, but you can learn these tips to save time. There are both good and bad ways to buy car insurance so you’re going to learn the proper way to quote coverages for a Honda and locate the cheapest rates either online or from local insurance agents.

Choosing the best insurance company for you is quite easy. If you have a current auto insurance policy or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maximizing coverage. Drivers just need to understand the most efficient way to compare price quotes on the web.

Comprehensive Auto Insurance Comparison Quotes

Performing a rate comparison can be exhausting if you don’t utilize the best way to get rate quotes. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use the web to quickly compare rates.

All the larger companies participate in a marketplace where insurance shoppers submit their information once, and every company then gives them pricing based on that information. This system prevents you from having to do quote requests to each individual auto insurance company.

To find out what other companies charge for 1997 Honda Prelude insurance click here to start a free quote.

The one downside to pricing coverage this way is you are unable to specify which insurance companies you want to price. If you would rather choose specific providers to request quotes from, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverage limits and deductibles for each comparison quote. If you have different limits and deductibles on each one it will be impossible to decipher which rate is best.

Discounts are available to cut your rates

Companies offering auto insurance don’t always advertise every available discount very well, so we took the time to find both the well known as well as the least known ways to save on auto insurance. If you don’t get every credit you deserve, you are paying more than you should be.

Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Drivers Education – Have your child enroll in driver’s education if offered at their school.
Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Prelude insurance.
Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Prelude insurance with select insurance companies.
Defensive Driving Course – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
Pay Now and Pay Less – By paying your policy upfront instead of paying each month you may reduce your total bill.
Early Signing – A few companies offer discounts for switching policies before your current policy expires. This can save 10% or more.
Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
Bundle and Save – If you have multiple policies with one insurance company you may save approximately 10% to 15%.

Keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

Companies who might offer these benefits may include but are not limited to:

Check with each company how you can save money. Some discounts may not be available in every state.

Everyone needs different coverages

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether or not you will benefit from professional help.

Who is covered by my policy?
Should I waive the damage coverage when renting a car?
How can I find cheaper teen driver insurance?
If my 1997 Honda Prelude is totaled, can I afford another vehicle?
Should I put collision coverage on all my vehicles?
Which is better, split liability limits or combined limits?
Do I pay less if my vehicle is kept in my garage?
Should I buy full coverage?
Do I benefit by insuring my home with the same company?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as structural damage, medical expenses, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, hitting a mailbox, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, falling objects, vandalism, hitting a bird and a broken windshield. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like funeral costs, chiropractic care and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage