View 2000 Honda Prelude Car Insurance Quotes

Trying to find cheaper insurance rates for your Honda Prelude? Searching for cheaper insurance for a Honda Prelude could be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are more efficient ways to find insurance online so we’re going to tell you the proper way to quote coverages for your Honda and obtain the cheapest rates from both online companies and local agents.

It’s smart to check insurance prices every six months because prices are adjusted regularly by insurance companies. If you had the best rates on Prelude coverage a year ago there may be better deals available now. Ignore everything you know about insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

Compare Insurance Coverage Today

Cutting your insurance coverage rates can be relatively painless. Consumers just need to take a couple of minutes to get quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  1. Probably the best way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do boring form submissions for each company you want a rate for. In just a few minutes this one form gets rate comparisons from many national carriers. This is by far the quickest method.
  2. A different way to get comparison quotes is to take the time to go to the website for each individual company to request a price quote. For sake of this example, let’s say you want comparison quotes from GEICO, Liberty Mutual and Progressive. To get rate quotes you would need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

However you get your quotes, ensure you’re using the exact same coverage limits and deductibles with each company. If each company quotes different deductibles it will be very difficult to decipher which rate is best.

Companies offer discounts so take them!

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so we researched both well-publicized as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Accident Forgiveness – Some insurance companies permit an accident before raising your premiums if your claims history is clear for a set time period.
  • Drivers Education – Have your child take driver’s ed class if it’s offered in school.
  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Low Mileage Discounts – Keeping the miles down on your Honda can qualify you for discounted rates on garaged vehicles.
  • Save over 55 – Mature drivers may receive better car insurance rates on Prelude coverage.
  • Own a Home – Owning a home can save you money due to the fact that maintaining a home requires personal responsibility.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck.

To see a list of companies with discount car insurance rates, follow this link.

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if you might need an agent’s assistance.

  • Can I drive in Mexico and have coverage?
  • When can I cancel my policy?
  • Who is covered by my policy?
  • Will my rates increase for filing one claim?
  • Is pleasure use cheaper than using my 2000 Honda Prelude to commute?
  • Am I covered if I wreck a rental car?
  • Why am I required to buy high-risk coverage?
  • Which companies will insure high-risk drivers?
  • How can I force my company to pay a claim?
  • Does my 2000 Honda Prelude need full coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Factors determining your Honda Prelude insurance premium

It’s important that you understand the different types of things that help determine your insurance rates. Understanding what determines base rates allows you to make educated decisions that may reward you with better insurance rates.

  • Your location is important – Living in less populated areas can be a good thing when talking about insurance. City drivers tend to have much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident.
  • Your age impacts your rates – More mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers. Young drivers have a tendency to get distracted easily when driving and because of this, their insurance rates are much higher.
  • More than one policy can earn a discount – Some insurers give discounts to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to shop around to confirm you are receiving the best rates possible. Drivers may still find better rates by splitting coverages up.
  • Women pay lower rates – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are better drivers. They both have accidents at a similar rate, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
  • Lower deductibles cost more – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Honda from damage. A few examples of covered claims are collision with another vehicle, damage caused by hail, and windstorm damage. Your deductibles are the amount of money you are required to spend in the event of a claim. The more money you have to pay, the bigger discount you will receive on Prelude coverage.
  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you. If your Honda is rated at least four stars on you may qualify for a discount.
  • Do you need the policy add-ons? – There are a ton of add-on coverages that can waste your money when buying insurance. Coverages like personal injury protection, accident forgiveness and term life insurance may be wasting your money. They may seem like a good idea initially, but if they’re wasting money get rid of them and save.

Insurance coverage specifics

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability – Liability insurance can cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like pain and suffering, legal defense fees, structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses like hospital visits, chiropractic care, X-ray expenses and surgery. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Honda Prelude.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, vandalism, hitting a bird and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, crashing into a building, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Find Good Coverage for Less

Insureds leave their current company for many reasons like not issuing a premium refund, high rates after DUI convictions, extreme rates for teen drivers or even delays in paying claims. Whatever your reason, finding the right auto insurance provider is easier than you think.

Cheap 2000 Honda Prelude insurance is definitely available from both online companies in addition to many insurance agents, and you should be comparing both to have the best selection. A few companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

In this article, we covered a lot of ways to save on insurance. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Additional information can be read at the links below