1993 Honda Prelude Insurance Rates – 5 Tricks for Cheaper Quotes

Trying to find cheaper insurance rates? Buyers have a choice when searching for affordable Honda Prelude insurance. They can either waste time struggling with agents getting price quotes or use the internet to find the lowest rates. There are more efficient ways to compare insurance rates so we’re going to tell you the best way to quote coverages for your Honda and find the best price possible from both online companies and local agents.

Smart consumers take time to shop coverage around at least once a year since rates go up and down regularly. Just because you had the best rates on Prelude insurance two years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the only way to eliminate unnecessary coverages and save money.

The easiest way to get policy rate comparisons is to know the trick most insurance companies participate in a system to provide you with a free rate quote. The only thing you need to do is provide information like if the car is leased, your credit rating estimate, your education level, and whether you drive to work or school. Your information gets sent immediately to insurance carriers in your area and you will receive price estimates quickly.

How to know if you need help

When buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

These are some specific questions could help you determine whether or not you may require specific advice.

  • What is the difference between comprehensive and collision coverage?
  • Should I bundle my homeowners policy with my auto?
  • What if I total my 1993 Honda Prelude and owe more than it’s worth?
  • Should I have a commercial auto policy?
  • Am I covered when using my vehicle for business?
  • Do I need replacement cost coverage?
  • Do all my vehicles need collision coverage?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Parts of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like hospital visits, doctor visits, surgery and ambulance fees. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, a tree branch falling on your vehicle, hail damage, damage from getting keyed and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Honda Prelude.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects you against claims from other people, and 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. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like attorney fees, pain and suffering, repair costs for stationary objects, medical services and court costs. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.