Lower Your 1990 Honda Prelude Insurance Quotes

Nobody cherishes buying auto insurance, especially when the cost is too high.

Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every company to find the lowest cost out there.

You need to check auto insurance prices at least once a year due to the fact that insurance rates are variable and change quite frequently. If you had the best deal for Prelude coverage two years ago a different company probably has better rates today. Block out anything you think you know about auto insurance because you’re about to learn the tricks you need to know to reduce your cost while improving coverage.

If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Choosing the best insurance company for you is quite easy. But drivers must understand the way companies sell online.

Quick Auto Insurance Quotes

Most companies like Allstate, Geico and Progressive provide pricing on the web. Getting online rates doesn’t take a lot of time as you just type in your coverage information into a form. After you submit the form their rating system orders your credit score and driving record and gives you a price quote determined by many factors. Online price quotes makes comparing rates easy, but the time required to go to many different websites and enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to compare as many rates as possible in order to get the lowest auto insurance rates.

A less time-consuming method to find cheaper rates requires only one form that obtains quotes from many companies. This type of form saves time, requires less work, and makes rate comparisons much more efficient. After your information is entered, it gets priced and you can select your choice of the price quotes you receive. If you find a better price you can simply submit the application and purchase coverage. The whole process takes less than 15 minutes and could lower your rates considerably.

To find out what other companies charge, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you complete the form with coverages and limits exactly as they are listed on your policy. Using the same limits helps guarantee you are getting a price comparison based on identical coverages.

Policy discounts you shouldn’t miss

Auto insurance companies do not advertise all their discounts very clearly, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.

• Multi-car Discount – Having more than one vehicle with the same company may reduce the rate for each vehicle.
• Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% for Prelude coverage.
• Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Prelude coverage than less cautious drivers.
• College Student – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
• No Charge for an Accident – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
• Low Mileage – Fewer annual miles on your Honda can qualify you for better rates on cars that stay parked.
• Multi-policy Discount – When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.
• Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
• No Claims – Good drivers with no accidents pay less when compared with accident-prone drivers.
• Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.

It’s important to note that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

To see a list of providers with discount insurance coverage rates, follow this link.

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions could help you determine if your situation will benefit from professional help.

• Am I covered if I crash into my own garage door?
• At what point should I drop full coverage?
• Why am I required to get a high-risk car insurance policy?
• Can I afford to pay high deductible claims out of pocket?
• Does my insurance cover my expensive audio equipment?
• What is the difference between comprehensive and collision coverage?
• Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Coverage specifics

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Liability auto insurance

This can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like repair costs for stationary objects, structural damage and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like chiropractic care, prosthetic devices, ambulance fees and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Honda Prelude.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from flooding, a broken windshield, hitting a bird and falling objects. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Prelude resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.