Overwhelmed by the number of auto insurance companies? You have a lot of company. Drivers have so many options available that it can turn into a big hassle to find the lowest price.
It’s smart to price shop coverage yearly due to the fact that insurance rates go up and down regularly. Even if you got the best price for Prelude insurance last year the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the best ways to save on auto insurance.
There are several ways to compare rate quotes from insurance coverage companies in your area. One of the best ways to find the lowest 1997 Honda Prelude rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.
For a handy list of car insurance company links in your area, click here.
It doesn’t matter which method you choose, just compare exactly the same coverage limits and deductibles on every quote. If you enter unequal deductibles or liability limits it will be impossible to find the best deal for your Honda Prelude. Slightly different insurance coverages could mean much higher rates. Just keep in mind that quoting more will improve the odds of getting a better price.
Companies don’t always publicize all available discounts very well, so we researched some of the best known and also the lesser-known insurance savings.
Drivers should understand that many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free insurance policy, it doesn’t quite work that way.
For a list of companies with the best insurance discounts, click this link.
When buying the best insurance coverage coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.
For example, these questions may help highlight if you might need an agent’s assistance.
If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.
Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Collision coverage – Collision coverage will pay to fix damage to your Prelude from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like hitting a mailbox, driving through your garage door, rolling your car, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for bills such as chiropractic care, X-ray expenses, rehabilitation expenses and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible
Liability insurance – Liability coverage protects you from damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy 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 a limit of $100,000 paid for damaged property.
Liability can pay for claims like bail bonds, repair bills for other people’s vehicles, court costs, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.
Comprehensive insurance – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from getting keyed, a broken windshield, rock chips in glass, a tree branch falling on your vehicle and theft. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.