Cheap 1992 Honda Prelude Insurance Quotes

Looking for lower insurance rates for your Honda Prelude? Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Trust us, many consumers feel financially strained by their insurance policy.

There are many insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, it makes it harder to find the best rates for your vehicles.

You should make it a habit to do rate comparisons every six months because insurance prices change regularly. If you had the best deal for Prelude insurance two years ago a different company probably has better rates today. There is a lot of bad information regarding insurance on the internet, but in a few minutes you can learn some solid techniques on how to save money.

How to buy car insurance online

There are a variety of methods to compare car insurance prices but there is one way that is less labor-intensive and much quicker. You could spend your day driving to agents in your area, or you can utilize online quotes to achieve your goal.

Many of the larger companies enroll in a system where insurance shoppers only type in their quote data once, and each participating company can provide price quotes based on that information. This saves time by eliminating quotation requests to each individual car insurance company.

To compare rates using this form now click here to start a free quote.

The one disadvantage to pricing coverage this way is you don’t know exactly which companies to get pricing from. So if you want to select from a list of companies to compare rates, we have a listing of car insurance companies in your area. Click here to view list.

Whichever way you use, make darn sure you compare identical coverage limits and deductibles with every price quote. If each company quotes higher or lower deductibles it will be impossible to make a fair comparison for your Honda Prelude. Just a small difference in insurance coverages or limits may result in large price differences. And when price shopping your coverage, comparing more company’s prices will improve the odds of getting a lower rate. Some smaller insurers to not give price estimates online, so it’s important to also get price quotes from the smaller companies as well.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

These discounts can slash insurance rates

Some providers do not list every disount available very well, so the following is a list of both the well known and also the lesser-known ways to save on insurance. If you don’t get every credit possible, you’re paying more than you need to.

• Government Employees – Being employed by or retired from a federal job can save as much as 8% for Prelude insurance depending on your insurance provider.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
• Onboard Data Collection – Drivers that enable their company to study vehicle usage remotely such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
• Military Discounts – Having a deployed family member may qualify for rate reductions.
• Homeowners Discount – Owning your own home or condo may earn you a small savings because of the fact that having a home means you have a higher level of financial diligence.
• Paperwork-free – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.

It’s important to note that most discounts do not apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies aren’t that generous.

For a list of insurers with discount insurance rates, follow this link.

Why your insurance rates might be higher

Lots of things are part of the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other criteria are less obvious such as your marital status or your vehicle rating.When buying auto insurance it’s important to understand the factors that help determine your premiums. If you understand what determines premiums, this allows you to make educated decisions that could help you find lower premium levels.

Shown below are some of the items used by companies to determine premiums.

• More stress means more cost – Did you know your auto insurance rates can be affected by your occupation? Occupations like military generals, social workers and financial analysts usually pay the highest rates because of job stress and lots of time spent at work. Conversely, occupations such as professors, athletes and the unemployed get better rates for Prelude insurance.
• Credit score impact auto insurance costs – Credit history will be a significant factor in your rate calculation. Drivers who have excellent credit tend to file fewer claims and have better driving records than those with bad credit. So if your credit is not that good, you could pay less to insure your 1992 Honda Prelude by improving your credit score.
• Marriage brings a discount – Being married can get you a discount compared to being single. Having a significant other translates into being more mature and it’s proven that drivers who are married file infrequent claims.
• Five star NHTSA crash test rating saves money – Safe vehicles can get you lower premiums. Safer cars help reduce the chance of injuries in an accident and lower injury rates means less claims paid passed on to you as lower rates. If your Honda scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• High premiums for teen drivers – Older drivers are proven to be safer behind the wheel, are lower risk to insure and receive fewer citations.Teenage drivers are statistically proven to get distracted easily when driving with friends and because of this, their auto insurance rates are much higher.
• Save money by raising coverage deductibles – Protection for physical damage, also called ‘full coverage’, is used to repair damage to your vehicle. Examples of some claims that would be covered could be a windshield shattered by a rock, hitting a deer, and burglary. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket before your auto insurance pays a claim. The more the insured is willing to pay, the less money you will pay for auto insurance for Prelude insurance.
• Incidental coverages can add up – There are many extra coverages you can purchase but may not be useful. Insurance for roadside assistance, towing, and membership fees could be just wasting money. These coverages may sound good when deciding what coverages you need, but your money might be better spent on other coverage so get rid of them and save.

When do I need an agent’s advice?

When buying the best insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

• Will my rates increase for filing one claim?
• What happens if I owe more than my 1992 Honda Prelude is worth?
• Can I get a multi-policy discount?
• Is my business laptop covered if it gets stolen from my vehicle?
• How can I find cheaper teen driver insurance?
• Do I need more liability coverage?
• Is my camper covered by my car insurance policy?
• Do I have coverage when pulling a U-Haul trailer?
• How do I insure my teen driver?
• How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Educate yourself about car insurance coverages

Understanding the coverages of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda Prelude.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, colliding with a tree, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses for dental work, chiropractic care, surgery and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hail damage, damage from flooding, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

Liability insurance provides protection from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of 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, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as medical expenses, legal defense fees and structural damage. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Have money to burn

When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. There have been many cases where someone sacrificed physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at the best possible price and still be able to protect your assets.

Some insurance coverage companies do not offer online rate quotes and usually these regional carriers work with local independent agencies. Budget-conscious 1992 Honda Prelude insurance can be purchased online and with local insurance agents, so compare prices from both to have the best chance of lowering rates.

Much more information about insurance coverage can be read at these links:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Child Safety FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption