Compare 1996 Honda Prelude Car Insurance Quotes

Trying to find low cost Driversauto insurance might be quite difficult for drivers who are beginners to quoting and comparing prices online. Consumers have so many choices that it can turn into a real challenge to find more affordable prices.

Smart consumers take time to compare rates before your next renewal due to the fact that insurance prices change quite often. Despite the fact that you may have had the best quotes on Prelude insurance a year ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because I’m going to teach you the best way to remove unneeded coverages and save money.

How to lower your insurance cost

There are multiple methods to compare insurance quotes, and some are more efficient than others. You can spend countless hours talking to insurance agencies in your area, or you could use the web to get prices fast.

Most car insurance companies belong to an insurance system where prospective buyers submit one quote, and at least one company then returns a price quote for coverage. This system prevents you from having to do quote forms to every company. To participate in this free quote system, click here (opens in new window).

The single downside to doing it this way is buyers cannot specifically choose the insurers you want pricing from. So if you want to choose specific providers to request quotes from, we put together a list of insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure you’re using apples-to-apples coverage limits and deductibles for each quote you get. If the quotes have mixed coverages it will be nearly impossible to decipher which rate is best. Just a small difference in coverage limits can make a big difference in price. Just keep in mind that having more price comparisons will improve the odds of getting lower pricing. Not every company allows you to get online quotes, so you should also compare prices from the smaller companies as well.

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Take policy discounts and save

Companies don’t always publicize every discount they offer in a way that’s easy to find, so the following is a list of some of the more common as well as some of the hidden credits available to bring down your rates. If you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

• Discounts for Safe Drivers – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote on Prelude insurance compared to rates paid by drivers with frequent claims.
• Driver Safety – Completing a course teaching driver safety skills can save you 5% or more depending on where you live.
• Membership in Organizations – Participating in a civic or occupational organization could earn you a nice discount on your next auto insurance statement.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts could see savings of up to 25% or more.
• Student Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
• Payment Method – By making one initial payment rather than paying in monthly installments you can actually save on your bill.

Just know that some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A list of auto insurance companies and their offered discounts can be read below.

• State Farm may offer discounts for safe vehicle, anti-theft, Steer Clear safe driver discount, multiple autos, and defensive driving training.
• American Family may include discounts for bundled insurance, accident-free, TimeAway discount, early bird, mySafetyValet, multi-vehicle, and defensive driver.
• Geico discounts include emergency military deployment, membership and employees, seat belt use, five-year accident-free, and daytime running lights.
• 21st Century offers discounts including automatic seat belts, anti-lock brakes, driver training, homeowners, and good student.
• Progressive may have discounts that include online signing, homeowner, good student, online quote discount, continuous coverage, multi-vehicle, and multi-policy.

Double check with every insurance company how many discounts you can get. A few discounts might not apply in your area. To view insurers with significant discounts, follow this link.

Smart consumers can lower their insurance costs

Many different elements are part of the calculation when premium rates are determined. Some are obvious like a motor vehicle report, although others are less obvious like your vehicle usage or how financially stable you are.

The items below are some of the items car insurance companies consider when setting rates.

• Liability coverage – Your policy’s liability coverage provides coverage in the event that you are ruled to be at fault for causing damage or personal injury in an accident. Your liability coverage provides for a legal defense to defend your case. It is affordable coverage as compared to coverage for physical damage, so buy as much as you can afford.
• Insurance rates in urban areas – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when trying to find low car insurance rates. Residents of big cities tend to have traffic congestion and more severe claims. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
• Stressful job may mean higher premiums – Did you know your career choice can influence rates? Careers such as doctors, executives and miners tend to pay higher rates than the rest of us because of intense work requirements and long work hours. Conversely, professions such as professors, students and homemakers receive lower rates on Prelude insurance.
• High physical damage deductibles cost less – The deductibles tell how much you are required to pay before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered could be a windshield broken by a bird, vandalism, or theft of your vehicle. The more you are required to pay out-of-pocket, the less your car insurance will be on Prelude insurance.

Which policy gives me the best coverage?

When it comes to choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

These are some specific questions may help you determine if your situation may require specific advice.

• Are my tools covered if they get stolen from my vehicle?
• Can I afford to buy a different vehicle if my 1996 Honda Prelude is totaled?
• Where can I find high-risk insurance?
• How can I force my company to pay a claim?
• Should I have a commercial auto policy?
• How much underlying liability do I need for an umbrella policy?
• Where can I get insurance after a DUI in my state?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

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Insurance coverage ads are enticing

Well-known insurance coverage companies like Allstate and Progressive regularly use television, radio, and online ads. They all advertise claims of big savings if you switch your policy. But how can every company charge less that you’re paying now? Here is how they do it.

Companies have a certain “appetite” for the type of customer that will not have excessive claims. For example, this type of insured should be over the age of 40, has few claims, and the vehicle is rated for pleasure use. Someone who matches that profile receives the best car insurance rates and most likely will save when switching.

Potential insureds who fall short of those criteria will be quoted a more expensive rate which translates to business not being written. The trick is to say “customers who switch” not “everybody who quotes” save money. This is how insurance companies can confidently make it sound like they have such great rates.

Because of this risk profiling, it’s extremely important to do a quote comparison often. Because you cannot predict which company will have the best prices at this point in time.

Learn about insurance coverages for a Honda Prelude

Understanding the coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as hospital visits, funeral costs, chiropractic care and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage can cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, bail bonds, medical expenses, pain and suffering and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, theft and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Honda Prelude.

Because many people 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 a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

You can do this!

When getting car insurance quotes online, you should never reduce needed coverages to save money. Too many times, someone sacrificed physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

People leave their current company for a variety of reasons including poor customer service, unfair underwriting practices, not issuing a premium refund and even lack of trust in their agent. It doesn’t matter what your reason, finding the right insurance coverage provider can be less work than you think.

Budget-conscious 1996 Honda Prelude insurance is possible on the web and from local agencies, and you should be comparing both to have the best rate selection. A few companies do not offer the ability to get a quote online and most of the time these regional insurance providers provide coverage only through local independent agents.

For more information, take a look at the resources below:

• Anti-Lock Brake FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)

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

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