Save on 1995 Honda Prelude Insurance Rates

Finding the cheapest insurance for your Honda Prelude could be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to compare insurance coverage rates and we’ll show you the quickest way to price shop coverage for a new or used Honda and find the best price possible from both online companies and local agents.

Smart consumers take time to shop coverage around occasionally because prices go up and down regularly. Despite the fact that you may have had the lowest rates on Prelude insurance six months ago a different company probably has better rates today. Block out anything you think you know about insurance coverage because you’re about to find out the right way to find better coverage at a better price.

Compare Quotes for Insurance Coverage

Finding cheaper 1995 Honda Prelude insurance coverage prices is not a difficult process. Consumers just need to take a few minutes comparing price quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

The first (and easiest) way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This method keeps you from doing boring form submissions for every insurance coverage company. One form submission will return price quotes from multiple low-cost companies.It’s the quickest way to get rates.

A more difficult way to get quotes online is to take the time to go to each individual company website and complete a new quote form. For sake of this example, we’ll assume you want to compare Progressive, Allstate and GMAC. You would have to visit each site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The hardest way to get comparison rates is to waste gas driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the trained guidance only provided by licensed agents. However, consumers can price shop online and get advice from an agent in your area.

Whichever method you choose, make absolute certain that you use the exact same coverages and limits for each comparison quote. If you compare differing limits you will not be able to decipher which rate is best.

Discounts are great for lower rates

Insurance can be prohibitively expensive, but companies offer discounts to help bring down the price. Most are applied at the time you complete a quote, but less common discounts must be manually applied prior to getting the savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Resident Student – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • E-sign – Some insurance companies will give a small break for buying your policy on their website.
  • Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Safe Driver Discount – Safe drivers may save up to 50% more on Prelude insurance than less cautious drivers.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies aren’t that generous. But all discounts will reduce the amount you have to pay.

To see a list of companies with discount insurance rates, click this link.

You may need specialized coverage

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Do all my vehicles need collision coverage?
  • Will filing a claim cost me more?
  • Am I covered if I wreck a rental car?
  • Can my babysitter drive my car?
  • Is my camper covered by my car insurance policy?
  • When should I remove comp and collision on my 1995 Honda Prelude?
  • Should I have a commercial auto policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Parts of your car insurance policy

Understanding the coverages of your car insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, hospital visits, pain medications, nursing services and rehabilitation expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

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

Collision coverage pays for things such as colliding with a tree, crashing into a building, backing into a parked car, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, rock chips in glass, fire damage, hitting a bird and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Honda Prelude.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Liability insurance – This can cover damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like medical expenses, attorney fees, court costs, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.