Compare 1991 Honda Prelude Car Insurance Quotes

Searching for better auto insurance rates for your Honda Prelude? Expensive auto insurance can drain your savings account and put the squeeze on your family’s finances. Comparing price quotes is a smart way to cut your insurance bill. Consumers have many car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it makes it harder to compare rates and cut insurance costs.

Low Cost Auto Insurance

Finding a better price on auto insurance is surprisingly easy. Consumers just need to invest a few minutes to compare quotes provided by online insurance companies. This can be done using a couple different methods.

  1. The fastest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This method keeps you from doing a different quote for each company you want a rate for. Completing one form will get you rate comparisons from multiple low-cost companies.
  2. Another way to get comparison quotes requires visiting the website for each individual company and request a quote. For sake of this example, let’s say you want to compare rates from USAA, Liberty Mutual and Progressive. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The most time-consuming method to get comparison rates is to spend your day driving to insurance agents’ offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you prefer the trained guidance that only a license agent can provide. You can, however, find lower rates online and still use a local agent.

It doesn’t matter which method you choose, just make sure you use identical coverages and limits for every company. If you have different values for each quote it will be impossible to determine the best price for your Honda Prelude.

Discounts can save BIG

Companies that sell car insurance do not list every discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find ways to save on insurance. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Passive Restraints – Factory air bags may earn rate discounts of more than 20%.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may save approximately 10% to 15%.
  • Club Memberships – Being a member of a qualifying organization could qualify you for a break on insurance on Prelude coverage.
  • Homeowners Savings – Owning a house can save you money due to the fact that maintaining a home shows financial diligence.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Defensive Driving Course – Successfully completing a driver safety course could cut 5% off your bill depending on where you live.

Keep in mind that many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of insurance companies who offer insurance discounts, click this link.

These factors can influence what you pay for Honda Prelude insurance

It’s important that you understand the different types of things that play a part in calculating the rates you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

Shown below are some of the factors that factor into prices.

  • Don’t buy coverages you don’t need – There are a lot of add-on coverages that can waste your money if you aren’t careful. Insurance for personal injury protection, accident forgiveness and term life insurance are some examples. These may sound like a good investment when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Your location is important – Living in small towns and rural areas is a positive aspect when buying auto insurance. Less people living in that area means fewer accidents and a lower car theft rate. Urban drivers tend to have more traffic problems and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • Save money with special equipment – Owning a car with an alarm system can get you a discount on your auto insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Don’t let your coverage lapse – Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a revoked license or a big fine.
  • Occupation reflects on rates – Occupations like real estate brokers, executives and stock brokers are shown to have the highest rates due to high stress and long work days. On the other hand, professions such as actors, students and the unemployed pay the least on Prelude coverage.
  • Lower miles equals lower premium – The higher the mileage driven in a year’s time the higher your rates will be. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. An improperly rated Prelude can result in significantly higher rates. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle, because it can save money.

Will just any policy work for me?

When buying the best insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you might need professional guidance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I buy only the required minimum liability coverage?
  • Am I covered if my car is in a flood?
  • How much liability insurance is required?
  • Am I covered when using my vehicle for business?
  • Can I afford to buy a different vehicle if my 1991 Honda Prelude is totaled?

If you can’t answer these questions, you might consider talking 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 It is quick, free and can provide invaluable advice.

Specifics of your insurance policy

Knowing the specifics of insurance aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Liability coverage

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things such as medical expenses, legal defense fees, medical services, structural damage and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Collision coverage

This 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 insurance covers things like crashing into a ditch, colliding with a tree, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda Prelude.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage

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

Comprehensive insurance covers things such as vandalism, a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses for X-ray expenses, pain medications, EMT expenses, rehabilitation expenses and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Shop around and save

We just showed you many ways to shop for 1991 Honda Prelude insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a smaller regional carrier. These companies can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

Budget-conscious insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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