Have you had enough of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as the majority of other car owners. Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest price
If you have a current insurance coverage policy or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn the most efficient way to compare prices on the web.
The cost of insuring your cars can be expensive, but there could be available discounts that you may not know about. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specifically requested before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
Keep in mind that most credits do not apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will cut your overall premium however.
Companies that may offer these money-saving discounts include:
It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts may not be available in your state.
Lowering your 1996 Honda Prelude car insurance rates doesn’t have to be difficult. The only thing you need to do is spend a few minutes comparing rate quotes online with multiple companies. This is very easy and can be done in a couple of different ways.
It’s your choice how you get your quotes, but compare exactly the same coverage information for each comparison quote. If you compare different liability limits it will be very difficult to truly determine the lowest rate.
When it comes to buying coverage, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether you may require specific advice.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Understanding the coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from auto insurance companies.
Liability insurance – This will cover damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for 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. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like court costs, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but buy higher limits if possible.
Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like hitting a parking meter, backing into a parked car, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.
Comprehensive coverage – Comprehensive insurance coverage will pay to fix 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 insurance covers claims such as theft, vandalism and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses such as doctor visits, nursing services, prosthetic devices, surgery and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers 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.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.
While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at an affordable rate, not the least amount of coverage.
We just showed you a lot of techniques to compare 1996 Honda Prelude insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the best price on insurance is with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.
Cost effective insurance is definitely available on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
Additional detailed information can be found by following these links: