Cheaper 1998 Honda Prelude Car Insurance Rates

Want better insurance coverage rates for your Honda Prelude? Paying for high-priced Honda Prelude insurance can take a big chunk out of your savings account and put the squeeze on your family’s finances. Shopping your coverage around is free and is an excellent way to slash your bill and have more diposable income. You have multiple auto insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it can be more difficult to compare rates.

It’s a great practice to take a look at other company’s rates occasionally because rates are adjusted regularly by insurance companies. Just because you had the lowest rates for Prelude coverage last year you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, so by reading this article, you’re going to learn some proven techniques to put money back in your pocket.

Pricing the cheapest insurance can be fairly easy. If you have a policy now or need a new policy, you will benefit by learning to cut your premiums while maximizing coverage. Drivers just need to learn the tricks to compare price quotes online.

Policy discounts you shouldn’t miss

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but a few need to be specifically requested prior to getting the savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Clubs and Organizations – Belonging to a qualifying organization may earn a discount on your policy for Prelude coverage.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Accident Waiver – A handful of insurance companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Distant Student – Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class if it’s offered in school.

It’s important to note that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of companies offering insurance discounts, click here to view.

Cheap Auto Insurance Comparisons

Effectively comparing auto insurance prices can be a daunting task if you don’t know the most efficient way. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use the web to get prices fast.

Most major companies participate in an industry program where insurance shoppers complete one form, and at least one company then returns a price quote determined by their information. This eliminates the need for repetitive form submissions for every auto insurance company. To use this form to compare 1998 Honda Prelude insurance rates click here to start a free quote.

One minor caviat to using this type of system is you can’t choose which carriers to receive prices from. So if you prefer to choose from a list of companies to receive pricing from, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, double check that you are using identical coverage limits with each company. If your comparisons have unequal deductibles or liability limits you will not be able to determine which rate is truly the best.

Insurance agents can help

When it comes to choosing coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • Should I drop comprehensive coverage on older vehicles?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if hit by an uninsured driver?
  • When does my teenage driver need to be added to my policy?
  • When can I cancel my policy?
  • Do I have coverage when using my vehicle for my home business?
  • Is my babysitter covered when using my vehicle?
  • Should I buy full coverage?
  • How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance coverage options for a 1998 Honda Prelude

Learning about specific coverages of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, fire damage, a broken windshield and vandalism. 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 consider dropping full coverage.

Liability coverage

This can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, medical expenses, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your Prelude caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Prelude.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses for things like EMT expenses, X-ray expenses, funeral costs and surgery. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Knowledge is power

You just learned many ways to save on 1998 Honda Prelude insurance. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may even find the lowest rates come from some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like GEICO and State Farm.

Cheap insurance is attainable on the web in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and most of the time these smaller companies sell through independent agents.

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