Save on 1999 Honda Prelude Insurance Rates

Finding more affordable prices on Driversinsurance coverage could be hard for drivers not familiar with online rate comparisons. People have so many choices that it can turn into a real difficult job to find better rates.

Buy insurance online

There are multiple methods to compare insurance prices but there is one way that is easier and takes less work. You can spend your afternoon driving to insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

Most of the best insurance companies belong to an insurance system where insurance shoppers send in one quote, and each company returns a competitive quote based on that information. This saves time by eliminating form submissions for each company.

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

The only downside to comparing rates this way is that consumers can’t choose which insurance companies you will receive quotes from. If you wish to select specific insurance companies for rate comparison, we have a listing of low cost insurance companies in your area. Click to view list.

However you get your quotes, make sure you compare apples-to-apples coverage data on every quote you get. If you enter different limits and deductibles on each one it will be next to impossible to determine the best price for your Honda Prelude. Just a small difference in coverage limits can result in a big premium difference. It’s important to know that quoting more helps improve the odds of finding better pricing.

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Insurance coverage policy discounts

Not many people think insurance is cheap, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will be applied at the time you complete a quote, but some must be asked for before they will apply. If they aren’t giving you every credit possible, you are just wasting money.

• Safe Driver Discounts – Drivers who avoid accidents may save up to 50% more for Prelude coverage than less cautious drivers.
• Good Student – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
• Sign Early and Save – Select insurance coverage companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
• Senior Citizen Rates – Drivers over the age of 55 may qualify for reduced rates for Prelude coverage.
• Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, it’s just not the way it works.

If you would like to see a list of insurance coverage companies who offer free insurance coverage quotes, click here.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

For example, these questions might point out if your situation would benefit from professional advice.

• Are my friends covered when driving my 1999 Honda Prelude?
• When would I need rental car insurance?
• How much liability do I need to cover my assets?
• I have health insurance so do I need medical payments coverage?
• What if I don’t agree with a claim settlement offer?
• What is the difference between comprehensive and collision coverage?
• Am I covered if I drive in a foreign country?
• Does my 1999 Honda Prelude qualify for pleasure use?
• Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Why informed drivers pay less for Honda Prelude insurance

Many things are part of the calculation when you get a price on insurance. Some are pretty understandable such as traffic violations, but some are less obvious such as whether you are married and annual miles driven.When buying insurance coverage it’s important to understand a few of the rating criteria that aid in calculating your premiums. If you have some idea of what determines premiums, this enables you to make decisions that can help you get better insurance coverage rates.

The items below are a partial list of the pieces used by insurance companies to determine your premiums.

• Teenage drivers pay more – Youthful drivers are proven to be careless and easily distracted when at the wheel of a vehicle so insurance coverage rates are higher. If you’ve ever had to add a young driver onto your insurance coverage can cause a big jump in price. Older people have been proven to be more responsible, statistically cause fewer accidents and get fewer tickets.
• Rates also based on gender – Statistics demonstrate females are less aggressive when driving. However, don’t assume that women are BETTER drivers than men. Both genders cause at-fault accidents at about the same rate, but the men tend to have higher claims. Men also tend to get higher numbers of serious violations like DUI and reckless driving.
• Your job may affect insurance coverage rates – Did you know that where you work can have an impact on rates? Careers like judges, executives and medical professionals tend to have higher rates than average because of intense work-related stress and incredibly demanding work hours. On the other hand, occupations such as scientists, athletes and homemakers have lower than average premiums for Prelude coverage.
• Single drivers take more risk – Your spouse helps lower the price on your policy. Having a spouse may mean you are more mature than a single person and it’s statistically proven that being married results in fewer claims.

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Auto insurance policy coverages for a 1999 Honda Prelude

Having a good grasp of your auto insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as hospital visits, chiropractic care, nursing services, surgery and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision protection

This coverage pays for damage to your Prelude resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, damage from flooding, damage from a tornado or hurricane, hitting a bird and hitting a deer. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Prelude.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Coverage for liability

This coverage will cover injuries or damage you cause to a person or their property. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, bail bonds and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Online plus local equals savings

When you buy auto insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an insured cut uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

Cheap 1999 Honda Prelude insurance is attainable online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and many times these regional carriers only sell through local independent agents.

We just showed you a lot of information how to reduce 1999 Honda Prelude insurance rates online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest rates come from some of the smallest insurance companies.

To learn more, take a look at the resources below:

• Young Drivers: The High Risk Years Video (iihs.org)
• Collision Coverage (Liberty Mutual)
• Airbag FAQ (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)

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