View 1999 Honda Prelude Car Insurance Cost

Finding better rates for insurance coverage is difficult for beginners to comparing rates online. You have so many companies to choose from that it can be a real challenge to find the best price.

Take advantage of discounts

Companies that sell car insurance don’t always advertise every discount in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance.

  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Prelude insurance than less cautious drivers.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Good Student Discount – This discount can save 20 to 25%. This discount can apply until age 25.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Prelude insurance with select insurance companies.

Drivers should understand that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

Companies that possibly offer some of the above discounts are:

Check with all companies you are considering which discounts they offer. Some discounts might not be offered in your state.

How to know if you need help

When choosing coverage, there is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether or not you will benefit from professional help.

  • I have a DUI can I still get coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Which is better, split liability limits or combined limits?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my cargo covered for damage or theft?
  • What exactly is covered by my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered if I break a side mirror?
  • What can I do if my company won’t pay a claim?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverage breakdown

Knowing the specifics of car insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability

This coverage can cover damages or injuries you inflict on other people or property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, hail damage, vandalism, rock chips in glass and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, hitting a parking meter, scraping a guard rail and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for things like doctor visits, X-ray expenses, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1999 Honda Prelude.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Knowledge is power

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, high prices, denial of a claim or even high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

Throughout this article, we presented many ideas to lower your 1999 Honda Prelude insurance rates. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the biggest savings come from some of the smallest insurance companies.

As you shop your coverage around, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate.

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