Compare 1990 Honda Prelude Car Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? It’s a common feeling and many consumers are feeling buyer’s remorse and feel like there’s no way out.

Insurance companies such as Geico, Farmers Insurance and State Farm persitently shower you with advertising and consumers find it hard to ignore the propoganda and find the best price available.

Free insurance price quotes

Comparing insurance rates can be a daunting task if you don’t know the best way to get rate quotes. You could waste a few hours talking about coverages with local insurance agents in your area, or you can utilize online quotes to get the quickest rates.

Most car insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and at least one company returns a competitive quote. This eliminates the need for repetitive form submissions for each company you want a rate for. To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to using this type of form is buyers cannot specifically choose which providers to receive prices from. If you wish to select individual companies to receive pricing from, we have a page of the cheapest insurance companies in your area. Click to view list.

Take whichever approach you prefer, but do your best to enter nearly identical deductibles and coverage limits for each price quote. If the quotes have higher or lower deductibles it’s not possible to decipher which rate is best. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when quoting insurance, remember that comparing more company’s prices helps you find a better price. Not every company does online quotes, so it’s important to compare price quotes from them as well.

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Do drivers who switch really save?

Insurance coverage providers like Progressive, Geico, Allstate and State Farm seem to constantly run ads on TV and radio. All the ads advertise the message about savings if you change your coverage to them. How does every insurance coverage company make the same claim? It’s all in the words they use.

Different companies quote their cheapest rates for the type of driver that earns them a profit. A good example of this type of driver could be between the ages of 40 and 55, has never had a policy lapse, and drives a car with an anti-theft system. A driver who matches those parameters will get low prices and most likely will cut their rates if they switch.

Potential customers who don’t qualify for the requirements will see higher premiums which results in the customer not buying. The ads state “customers who switch” not “everybody who quotes” save the amount stated. This is how companies can claim big savings.

This really illustrates why it is so important to compare price quotes frequently. It is impossible to predict which company will have the best prices.

Insurance costs are influenced by these factors

Many different elements are used when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, but some are more transparent like your vehicle usage or your financial responsibility.

The factors shown below are most of the major factors auto insurance companies consider when setting premiums.

• Avoid tickets and save – Whether or not you get tickets impacts your car insurance rates tremendously. Attentive drivers tend to pay less for car insurance than bad drivers. Even a single driving citation can boost insurance rates by as much as thirty percent. Drivers who get serious citations such as reckless driving or DUI may be required to submit a SR-22 or proof of financial responsibility with their state in order to drive a vehicle legally.
• Gender impacts premiums – Over the last 50 years, statistics have shown females are less aggressive when driving. The data does not necessarily mean that females are better drivers. Females and males get in fender benders in similar numbers, but the men cause more damage. Men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
• Teen drivers pay higher premiums – Older, more experienced drivers are shown to be more cautious, tend to file fewer claims and are safer drivers.Drivers with little experience are proven to be more careless behind the wheel and because of this, their auto insurance rates are much higher.
• Eliminate unneeded add-on coverages – There are a lot of additional extra coverages that may not really be needed when buying auto insurance. Things like personal injury protection, death and dismemberment, and extra life insurance coverage are some examples. These coverages may sound good at first, but your money might be better spent on other coverage so eliminate them to save money.
• Too many claims and you’ll pay more – Auto insurance companies give the lowest premiums to policyholders who do not file claims often. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your car insurance is meant to be used in the event of larger claims.
• How much liability protection – Liability coverage provides coverage in the event that a court rules you are at fault for damages caused by your negligence. Liability provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• High coverage deductibles lower premiums – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Examples of some claims that would be covered are collision with another vehicle, collision with an animal, and burglary. Deductibles for physical damage define how much the insured will be required to pay if a covered claim is submitted. The more money you choose to pay out-of-pocket, the better rate you will receive on Prelude coverage.

Use discounts on insurance coverage

Insurance coverage is not inexpensive, but there’s a good chance there are discounts that can drop the cost substantially. Some of these disounts will be visible at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount.

• Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
• Student in College – Any of your kids who are attending college without a vehicle on campus could qualify for this discount.
• Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
• Service Members Pay Less – Being deployed in the military could mean lower prices.

Policy discounts save money, but most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.

To view insurance coverage companies with discount rates, follow this link.

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Tailor your insurance coverage to you

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining if your situation may require specific advice.

• Does having multiple vehicles earn me a discount?
• Why does it cost so much to insure a teen driver?
• Can I make deliveries for my home business?
• Am I getting all the discounts available?
• Does my insurance cover my expensive audio equipment?
• Are my tools covered if they get stolen from my vehicle?
• What is UM/UIM insurance?
• Does my medical payments coverage pay my health insurance deductible?
• Will my insurance pay for OEM parts?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Information about specific coverages

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from auto insurance companies.

Liability coverages

This can cover damage or injury you incur to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as attorney fees, bail bonds, medical expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, damage from a tornado or hurricane and a broken windshield. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage pay for bills like pain medications, rehabilitation expenses, ambulance fees and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Prelude.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.

Make an honest buck

Budget-conscious 1990 Honda Prelude insurance is available from both online companies and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies don’t offer rates over the internet and these smaller companies prefer to sell through local independent agents.

Throughout this article, we presented a lot of information how to get a better price on 1990 Honda Prelude insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the most savings is with some of the smallest insurance companies. They may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

To read more, link through to the articles below:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)

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