Lower Your 2001 Honda Prelude Insurance Quotes

Searching for the cheapest auto insurance rates for your Honda Prelude? Comparison shopping for auto insurance is always a challenge for beginners to comparing rates online. Consumers have so many choices that it can quickly become a lot of work to find the best price.

It’s a good habit to get comparison quotes once or twice a year since rates are adjusted regularly by insurance companies. If you had the best deal for Prelude coverage six months ago you can probably find a better price now. There is a lot of wrong information about auto insurance online but we’re going to give you the best ways to reduce your auto insurance bill.

Comprehensive Insurance Coverage Comparison Quotes

To find the best insurance coverage prices, there are several ways to compare quotes and find the best price. The best method to find the cheapest 2001 Honda Prelude insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

  1. The best way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This method keeps you from doing multiple quote forms for each company you want a rate for. Just one form compares rates from insurance coverage companies with the best prices. Just one form and you’re done.
  2. A harder way to find lower rates is to take the time to go to each company website and request a quote. For example, we’ll pretend you want rates from Allstate, Liberty Mutual and State Farm. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare identical information with each company. If the quotes have higher or lower deductibles then you won’t be able to make an equal comparison. Just a small difference in coverage limits could mean much higher rates. It’s important to know that having more price comparisons will improve the odds of getting lower pricing.

How do I know if I need professional advice?

When choosing adequate coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your situation may require specific advice.

  • What is the ISO rating for a 2001 Honda Prelude?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my camper covered by my car insurance policy?
  • Do I need an umbrella policy?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage information

Learning about specific coverages of car insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

This coverage pays for damage to your Prelude from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for things like surgery, prosthetic devices, EMT expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, hitting a bird, a tree branch falling on your vehicle, hitting a deer and vandalism. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: 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 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as legal defense fees, structural damage, medical services, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Prelude.

Due to the fact that many 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 a good idea. Usually these coverages do not exceed the liability coverage limits.