Searching for lower auto insurance rates for your Honda Prelude? Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.
Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurance company and get the definite best rates possible.
There are a variety of methods to compare 1991 Honda Prelude auto insurance quotes, and some are easier and takes less work. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can utilize the web to maximize your effort.
Many of the larger companies participate in an industry program that allows shoppers to complete one form, and at least one company then returns a price quote determined by their information. This prevents consumers from doing repetitive form submissions for each company you want a rate for.
To compare 1991 Honda Prelude rates using this form now click to open in new window.
The only downside to using this type of system is that you can’t choose the insurers to get pricing from. So if you prefer to choose from a list of companies to receive pricing from, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.
It’s your choice how you get your quotes, but be sure to compare identical information for every company. If the quotes have higher or lower deductibles then you won’t be able to decipher which rate is best. Having just a slight variation in limits may result in large price differences. And when quoting auto insurance, remember that more quotes helps you find a better price.
When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine if your insurance needs will benefit from professional help.
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Learning about specific coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for immediate expenses like ambulance fees, pain medications and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as hitting a deer, theft, damage from a tornado or hurricane, hitting a bird and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Liability – Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.
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 policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for claims such as structural damage, attorney fees, legal defense fees, bail bonds and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.
Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as hitting a parking meter, hitting a mailbox, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Honda Prelude.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.