1998 Honda Prelude Insurance Quotes – 9 Ideas for Best Rates

Finding low-cost auto insurance on the web may be somewhat difficult for consumers not familiar with comparison shopping online. With such a large number of companies in the marketplace, how can consumers have a chance to compare the different rates to find the best available price?

If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. This information will let you in on how to effectively get price quotes. But drivers do need to understand how insurance companies compete online and take advantage of how the system works.

How to Get Insurance

Most companies quote insurance quotes on their websites. Getting online quotes is quite easy as you simply enter your required coverages as requested by the quote form. When complete, their system will order your driving record and credit report and gives you a price quote based on these factors.

This helps simplify price comparisons, but the process of having to visit each company’s website and repetitively complete many quote forms can be a bit tiresome and repetitive. But it is imperative to get many rate quotes if you are searching for the lowest insurance rates.

An easier way to find lower prices utilizes a single form to get prices from a lot of companies. It saves time, requires less work, and makes online quotes much easier. Once the form is submitted, your coverage is rated and you are able to buy any one of the price quotes you receive. If you find a better price it’s easy to complete the application and buy the new coverage. The entire process can be completed in less than 10 minutes and may result in a nice savings.

In order to fill out one form to compare multiple rates now, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you copy the limits and deductibles just like they are on your policy. This helps ensure you are getting comparison quotes based on identical coverages.

Don’t miss out on these nine money-saving discounts

Companies do not list every available discount very well, so here is a list some of the more common as well as the least known ways to save on car insurance.

  • Student in College – Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Prelude coverage than drivers with accident claims.
  • Paperwork-free – A handful of insurance companies give back up to $50 just for signing your application on their website.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Prelude coverage with a few car insurance companies.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
  • Homeowners Discount – Owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • New Vehicle Savings – Insuring a new car is cheaper since new cars are generally safer.
  • Defensive Driver – Completing a course in driver safety could save 5% or more if you qualify.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.

Keep in mind that most discount credits are not given the the whole policy. Most only reduce individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, car insurance companies aren’t that generous.

To see a list of insurance companies with discount car insurance rates, click here to view.

Do I need special coverages?

When it comes to buying coverage, there really is not a perfect coverage plan. Each situation is unique.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

  • When would I need rental car insurance?
  • Am I missing any policy discounts?
  • Are rental cars covered under my policy?
  • Why does it cost so much to insure a teen driver?
  • What is medical payments coverage?
  • Where can I find high-risk insurance?
  • Is motorclub coverage worth it?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Specific coverage details

Understanding the coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Coverage for liability

Liability coverage will cover injuries or damage you cause to people or other property. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, pain and suffering, repair costs for stationary objects, loss of income and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage, hitting a deer, theft and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision insurance will pay to fix damage to your Prelude resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, surgery, funeral costs, hospital visits and doctor visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

More quotes. Lower rates.

Drivers switch companies for any number of reasons including high rates after DUI convictions, being labeled a high risk driver, an unsatisfactory settlement offer or policy cancellation. Regardless of your reason, finding a new insurance coverage company is not as hard as you think.

We covered a lot of information how to get a better price on 1998 Honda Prelude insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the lowest priced insurance coverage comes from the smaller companies.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate.

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