2001 Honda Prelude Car Insurance Rates

Expensive insurance can drain your personal savings and force you to make sacrifices. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income. Online insurance companies like State Farm and Geico increase brand awareness with advertising and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

If you have insurance now or are shopping for new coverage, you will benefit by learning to cut your premiums and still get good coverage. Choosing the best insurance company for you is quite easy. Drivers just need to understand the most effective way to shop online.

How to Get Insurance Comparison Quotes

There are a lot of ways to compare insurance quotes, but one way is more efficient than others. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

Many companies participate in an industry program that allows shoppers to submit one quote, and each company then gives them pricing based on that data. This prevents consumers from doing quote requests for each company you want a rate for.

To find out what other companies charge for 2001 Honda Prelude insurance click to open in new window.

The only drawback to comparing rates this way is you are unable to specify which carriers you want pricing from. So if you want to select specific insurance companies to receive pricing from, we have assembled a list of insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same coverage information for every quote you compare. If you are comparing different liability limits it will be very difficult to truly determine the lowest rate.

Car insurance is unique, just like you

When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether you may require specific advice.

  • Why am I required to buy liability insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I wreck a rental car?
  • Is my dog or cat covered if injured in an accident?
  • If my 2001 Honda Prelude is totaled, can I afford another vehicle?
  • Am I covered when pulling a rental trailer?
  • Am I covered if I hit a deer?
  • Where can I find DUI or SR-22 insurance?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage basics

Having a good grasp of insurance can be of help when determining which coverages you need for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Comprehensive coverages

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

Comprehensive insurance covers claims such as hitting a bird, a broken windshield, a tree branch falling on your vehicle and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

This coverage can cover damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical expenses, pain and suffering and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This covers damage to your Prelude from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as hospital visits, chiropractic care, X-ray expenses, rehabilitation expenses and prosthetic devices. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay