Save on 1993 Honda Prelude Insurance Quotes

Finding cheaper prices for insurance could be frustrating for drivers not familiar with online comparison shopping. Consumers have so many options available that it can quickly become a chore to locate the lowest price.

It’s a good habit to shop coverage around once or twice a year since insurance rates are adjusted regularly by insurance companies. Even if you got the best deal on Prelude insurance two years ago the chances are good that you can find a lower price today. You can find a lot of wrong information about insurance on the web, but in this article, you’re going to get some good information on how to stop overpaying for insurance.

Finding affordable coverage is not rocket science. Basically, everyone who is shopping for insurance will be able to find better rates. Although consumers must understand how big insurance companies price insurance differently because it can help you find the best coverage.

Earn discounts to get lower-cost car insurance quotes

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that can dramatically reduce your bill. Certain reductions will be credited at the time you complete a quote, but some must be requested specifically prior to getting the savings.

• Accident Waiver – This one is not really a discount per se, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.
• Driver Education Discount – Teen drivers should sucessfully take a drivers education course in high school.
• Theft Prevention System – Cars with anti-theft systems are stolen less frequently so companies will give you a small discount.
• Passenger Safety Discount – Options like air bags or motorized seat belts may get savings of more than 20%.
• Driving Data Discount – Drivers who elect to allow their insurance company to scrutinize driving patterns by installing a telematics device such as Progressive’s Snapshot might get better premium rates as long as they are good drivers.
• Low Mileage Discounts – Keeping the miles down on your Honda may allow you to get cheaper prices.
• Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
• Active Military Service – Being on active deployment in the military could qualify you for better rates.
• Homeowners Savings – Owning a house may trigger a policy discount on car insurance because of the fact that having a home requires personal responsibility.

Please keep in mind that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.

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Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether you might need professional guidance.

• Is a blown tire covered by insurance?
• Do I have any recourse if my insurance company denies a claim?
• How does medical payments coverage work?
• Does my policy cover my teen driver if they drive my company car?
• I have health insurance so do I need medical payments coverage?
• Should I buy full coverage?
• Am I covered if my car is in a flood?
• Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

The auto insurance bait and switch

Popular auto insurance providers such as State Farm, Allstate and Geico consistently run ads in print and on television. They all seem to convey the message that drivers can save some big amount after switching your policy. How is it plausible that every one can offer drivers better rates? This is the trick they use.

Companies have specific criteria for the type of customer that earns them the highest profit. A good example of a profitable customer could be a married male, is a homeowner, and has great credit. Anyone who fits those characteristics will get a cheap rate quote and most likely will save money with a new company.

Potential customers who don’t measure up to this stringent profile will probably be forced to pay more expensive rates and business not being written. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” save that much. This is how companies can advertise the way they do. This really emphasizes why you really should get price quotes at each policy renewal. It is just not possible to predict which company will give you lower car insurance rates than your current company.

Auto insurance coverage information

Knowing the specifics of insurance helps when choosing appropriate coverage for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills like doctor visits, X-ray expenses, hospital visits, nursing services and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, fire damage, a broken windshield and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision – Collision insurance covers damage to your Prelude resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, hitting a mailbox, hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Coverage for liability – This will cover injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability 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.

Liability insurance covers claims such as attorney fees, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

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In the end, you save

Drivers who switch companies do it for many reasons like questionable increases in premium, unfair underwriting practices, high rates after DUI convictions and lack of trust in their agent. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

In this article, we covered a lot of information how to shop for 1993 Honda Prelude insurance online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from the smaller companies.

Cheaper 1993 Honda Prelude insurance can be purchased from both online companies and from local insurance agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some car insurance companies do not offer price quotes online and usually these regional carriers only sell through independent insurance agencies.

Additional detailed information is available in these articles:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Speed and Speed Limit FAQ (iihs.org)

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