View 1997 Honda Prelude Insurance Cost

Trying to find the cheapest insurance for a Honda Prelude could be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find insurance online and you need to know the quickest way to price shop coverage on a Honda and get the lowest possible price from both online companies and local agents.

If you have insurance now or are just looking to switch companies, you can use these tips to reduce the price you pay while maximizing coverage. Pricing affordable car insurance is simple if you know the tricks. Drivers just need to learn the most efficient way to buy car insurance online.

Do you qualify for discount auto insurance?

Auto insurance companies do not advertise the entire discount list in a way that’s easy to find, so the following list contains a few of the more well known as well as some of the hidden credits available to you.

• Seat Belts Save more than Lives – Forcing all vehicle occupants to fasten their seat belts can save up to 15% on medical payment and PIP coverage.
• Driver’s Ed – Require your teen driver to sucessfully take a drivers education course in school or through a local driver safety program.
• One Accident Forgiven – Not really a discount, but a few companies such as Liberty Mutual and Geico will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
• Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
• Home Ownership Discount – Just being a homeowner can get you a discount since home ownership shows financial diligence.
• Distant College Student Discount – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle can receive lower rates.
• Telematics Discount – Drivers who elect to allow data collection to study driving patterns by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they are good drivers.

It’s important to note that most credits do not apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Even though the math looks like it’s possible to get free car insurance, companies don’t profit that way.

To see providers that offer some of these discounts, follow this link.

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Free insurance coverage quotes

All major insurance coverage companies give coverage prices direct online. Obtaining pricing can be done by anyone because you just enter the coverages you want as detailed in the form. After you complete the form, their system requests your driving record and credit report and provides a quote based on these and other factors.

Online quotes streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively enter the same data into a form is a waste of time. But it’s very important to perform this step if you are searching for better prices.

Isn’t there an easier way to compare rates?

The quickest way to locate the lowest prices utilizes a single form to return rates from more than one company. It saves time, eliminates repetitive work, and makes quoting online much easier. Immediately after submitting the form, it is quoted and you can select any one of the quote results.

If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

In order to get comparison pricing now, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you copy your coverages identical to your current policy. This ensures you will get rate comparison quotes using the exact same coverages.

Why smart consumers pay less for Honda Prelude insurance

Multiple criteria are considered when premium rates are determined. Some of the criteria are obvious such as traffic violations, although some other factors are more obscure like your vehicle usage and annual miles driven.

The list below includes a few of the things insurance coverage companies consider when setting premiums.

• Liability is peace of mind – The liability section of your policy kicks in if ever you are responsible for damages from an accident. It will provide for a legal defense which can cost a lot. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.
• Car and home together may be cheaper – Some companies give lower prices to buyers that have more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, consumers should still get quotes from other companies to ensure the best deal. Drivers may still save more without the discount by splitting coverages up.
• Discounts for married couples – Getting married can actually save you money when buying insurance coverage. Having a spouse translates into being more responsible and it’s statistically proven that being married results in fewer claims.
• Your job may affect rates – Jobs like doctorsairline pilots and financial analysts generally pay the highest rates attributed to job stress and long work hours. On the flip side, professions such as actors, engineers and performers generally pay rates lower than average for Prelude coverage.
• Gender as a rate factor – Statistics show that men are more aggressive behind the wheel. This data doesn’t prove that females are better drivers. They both are in fender benders in similar percentages, but the male of the species cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more costly citations like reckless driving and DUI.
• Where you call home plays a part – Choosing to live in a small town can be a good thing when buying insurance coverage. Lower population means reduced accidents. People who live in big cities have traffic congestion and higher rates of accident claims. Higher commute times statistically corresponds to a higher accident and claim rate.

What insurance coverages do I need?

When it comes to choosing the best insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

• When should I drop full coverage on my 1997 Honda Prelude?
• I have health insurance so do I need medical payments coverage?
• Can I afford to buy a different vehicle if my 1997 Honda Prelude is totaled?
• How much underlying liability do I need for an umbrella policy?
• Is motorclub coverage worth it?
• Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

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Auto insurance coverage information

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

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Prelude.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability auto insurance

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged 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 pays for things such as repair costs for stationary objects, emergency aid, bail bonds, medical services and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Collision coverage

This coverage will pay to fix damage to your Prelude resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole, crashing into a building, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for X-ray expenses, pain medications and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from a tornado or hurricane and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

At the end of the day…

While you’re price shopping online, you should never skimp on coverage in order to save money. There are too many instances where drivers have reduced collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage for the lowest cost while still protecting your assets.

We just covered a lot of ways to shop for 1997 Honda Prelude insurance online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheap auto insurance. You may even discover the lowest rates are with an unexpected company.

More affordable insurance can be found both online and with local insurance agents, so you need to shop auto insurance with both to have the best selection. Some companies may not offer rate quotes online and many times these small insurance companies prefer to sell through independent agents.

For more information, feel free to browse the articles below:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)

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