1993 Honda Prelude Insurance Quotes

Searching for better insurance rates for your Honda Prelude? Locating better insurance prices for your Honda Prelude can turn out to be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to buy insurance so you’re going to learn the best way to get price quotes for a new or used Honda and find the cheapest rates.

You should take the time to take a look at other company’s rates quite often since rates go up and down regularly. Despite the fact that you may have had the best price for Prelude coverage a couple years back you can probably find a better price now. You can find a lot of misleading information regarding insurance on the web, but with this article, you’re going to get a bunch of ideas how to reduce your insurance bill.

If you have insurance now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. Finding affordable insurance coverage is quite easy. Drivers only need an understanding of the proper methods to compare price quotes on the web.

The quickest method to get rate comparisons is to take advantage of the fact car insurance companies provide online access to compare rate quotes. All you need to do is provide information such as the ages of drivers, how much you drive, if you have a valid license, and whether you are single or married. The rating information is instantly provided to multiple top-rated companies and you will receive price estimates immediately.

To compare multiple company rates now, click here and enter the information requested.

Elements that influence Honda Prelude insurance rates

It’s important that you understand the rating factors that go into determining your insurance rates. Understanding what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Drive less and save money – The more you drive each year the more you will pay for insurance. Most companies apply a rate based on their usage. Autos left parked in the garage get more affordable rates compared to those used for work or business. An improperly rated Prelude can cost quite a bit. Make sure your insurance policy shows the correct driver usage.
  • Don’t let your coverage lapse – Driving with no insurance is illegal and insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Your location affects your rates – Living in less populated areas can save you money when insuring your vehicles. Fewer drivers means fewer accidents and a lower car theft rate. Urban drivers regularly have traffic congestion and a longer drive to work. Higher commute times translates into higher accident risk.
  • Increase deductibles and save – Physical damage coverage, also known as collision and other-than-collision, protects your Honda from damage. Some instances where coverage would apply are collision with another vehicle, collision with an animal, and windstorm damage. The deductibles are the amount of money you are required to spend in the event of a claim. The more you are required to pay out-of-pocket, the lower your rates will be for Prelude coverage.
  • Bundling policies can get discounts – The majority of insurance companies will give a discount to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to comparison shop to ensure the best deal.

Save with discounts on Honda Prelude insurance

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit. If you’re not getting every credit available, you are throwing money away.

  • Safe Drivers – Safe drivers may save up to 50% more for Prelude coverage than less cautious drivers.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Clubs and Organizations – Belonging to certain professional organizations may earn a discount on your policy for Prelude coverage.
  • Distant Student – Kids in college living away from home attending college and do not have a car can receive lower rates.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Homeowners Discount – Simply owning a home may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Government Employees – Active or retired federal employment can save as much as 8% for Prelude coverage with select insurance companies.
  • One Accident Forgiven – A few companies allow you one accident before raising your premiums as long as you don’t have any claims prior to the accident.

Drivers should understand that some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will bring down the cost of coverage.

Companies that may have these discounts are:

Double check with each company which discounts they offer. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • Do I really need UM/UIM coverage?
  • Is my 1993 Honda Prelude covered for flood damage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I drive in a foreign country?
  • Do I need higher collision deductibles?
  • Can I make deliveries for my home business?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage basics

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, hail damage, hitting a bird, falling objects and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance – This provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as loss of income, funeral expenses, repair bills for other people’s vehicles, pain and suffering and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as funeral costs, ambulance fees and surgery. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

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

Collision insurance covers claims such as scraping a guard rail, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are identical to your policy’s liability coverage.

The best insurance company isn’t always the cheapest

You just read many ways to shop for 1993 Honda Prelude insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies.

When shopping online for insurance, you should never buy less coverage just to save a little money. There are too many instances where drivers have reduced full coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at an affordable rate.

The cheapest insurance can be sourced on the web and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Additional insurance information can be found at these links: