Save on 1998 Honda Prelude Insurance Quotes

Looking for better insurance rates for your Honda Prelude? Trying to come up with a payment for pricey insurance can draw down your personal savings and force you to tighten up your finances. Performing a price comparison can save money and help to lower your bills every month.

Big-name insurance companies like State Farm, Allstate, Geico and Progressive all claim big savings with advertising and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.

It’s a good idea to get comparison quotes every six months because prices are constantly changing. Just because you found the best quotes for Prelude insurance a year ago you can probably find a better rate now. There is a lot of bad advice regarding insurance online but in just a couple of minutes you can learn some great ideas on how to save money.

Take policy discounts and save

Some insurance providers do not advertise all available discounts very clearly, so here is a list some of the more common and the more hidden credits available to bring down your rates.

• Distant Student Discount – who are attending college and do not have a car can be insured at a reduced rate.
• Home Ownership Discount – Being a homeowner can save you money because of the fact that having a home requires a higher level of personal finance.
• Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote auto insurance for Prelude insurance with a few insurance companies.
• Good Driver Discount – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote for Prelude insurance as compared to drivers with claims.
• Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you can avoid the installment charge.
• Low Mileage Discounts – Low annual miles could earn lower insurancerates on the low mileage vehicles.
• Policy Bundle Discount – If you can bundle your homeowners and auto insurance and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find low cost auto insurance.
• Multi-Vehicle Discounts – Buying a policy with multiple cars or trucks on the same insurance policy can reduce the rates for all insured vehicles.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks on the premium charged for medical payments and/or PIP.

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think you can get free auto insurance, companies wouldn’t make money that way.

A few of the larger companies and some of the discounts include:

• Geico offers discounts including multi-vehicle, emergency military deployment, membership and employees, defensive driver, and seat belt use.
• Travelers may have discounts that include hybrid/electric vehicle, save driver, early quote, new car, driver training, and home ownership.
• Nationwide offers discounts for easy pay, accident-free, family plan, multi-policy, business or organization, and defensive driving.
• Farmers Insurance may include discounts for business and professional, distant student, electronic funds transfer, early shopping, youthful driver, bundle discounts, and teen driver.
• Esurance may offer discounts for multi-policy, anti-theft, good driver, defensive driver, and Pac-12 alumni.
• State Farm offers premium reductions for good student, passive restraint, Steer Clear safe driver discount, safe vehicle, and accident-free.
• Progressive has discounts for multi-policy, online signing, multi-vehicle, homeowner, good student, and online quote discount.
• Mercury Insurance policyholders can earn discounts including ease of repair, type of vehicle, professional/association, age of vehicle, and annual mileage.

Check with every prospective company which discounts you qualify for. Some discounts might not be offered on policies in your area.

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Which policy gives me the best coverage?

When choosing the best car insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help highlight whether your personal situation may require specific advice.

• What can I do if my company denied a claim?
• What should my uninsured motorist coverage limits be in my state?
• Is pleasure use cheaper than using my 1998 Honda Prelude to commute?
• How much liability do I need to cover my assets?
• What happens if I owe more than my 1998 Honda Prelude is worth?
• Are rock chip repairs covered?
• Can I afford to buy a different vehicle if my 1998 Honda Prelude is totaled?
• Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking 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. It’s fast, doesn’t cost anything and can help protect your family.

Big brands don’t always mean big savings

Consumers constantly see and hear ads for car insurance savings by companies like Allstate, Geico and Progressive. They all seem to make an identical promise that you can save after switching your policy.

How is it possible that every company can charge less that you’re paying now?

Insurance companies quote their best rates for the type of driver that will be a good risk. An example of a preferred risk might be described as over the age of 35, has no claims, and has a high credit rating. Any person who meets those qualifications will probably get cheap auto insurance rates and have a good chance to cut their rates substantially.

Drivers who are not a match for this ideal profile may be forced to pay higher prices which leads to the customer not purchasing. Company advertisements say “people that switch” but not “everyone who gets a quote” save that much money. That’s why companies can truthfully lure you into getting a quote.

This really emphasizes why it is so important to compare many company’s prices. You cannot predict with any certainty which company will have better premium rates than you’re paying now.

Insurance coverage breakdown

Understanding the coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages available from insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses like prosthetic devices, X-ray expenses, surgery and hospital visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your Prelude resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from flooding, hitting a bird, falling objects and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like emergency aid, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

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Save your hard earned cash

While you’re price shopping online, do not reduce needed coverages to save money. In many cases, someone sacrificed liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.

Cheaper 1998 Honda Prelude insurance can be found from both online companies as well as from independent agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance companies do not provide rates over the internet and many times these regional insurance providers only sell coverage through local independent agencies.

For more information, link through to the following helpful articles:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Choosing an Insurance Company (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)

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