1990 Honda Prelude Insurance Rates

Want lower insurance rates for your Honda Prelude? Pretty sure you bought high-priced insurance? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out. Insurance companies such as Progressive, State Farm and Geico continually hit you with advertising and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

How to lower your insurance cost

Most major insurance companies such as Progressive, Allstate and Geico allow consumers to get pricing from their websites. Getting quotes is possible for anyone as you just enter your personal and coverage information into the quote form. Behind the scenes, their system obtains reports for credit and driving violations and generates pricing information based on the data you entered. Online price quotes makes it a lot easier to compare rates but having to visit different websites and type in the same information is a big time waster. But it’s necessary to compare as many rates as possible in order to find the lowest possible prices on insurance.

Rate comparisons made easy

The preferred way to locate the lowest prices uses one simple form that obtains quotes from several different companies. This type of form saves time, requires much less work on your part, and makes comparison shopping much more efficient. As soon as the form is sent, it gets priced and you can select any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly find out how much you’re overpaying now, click here to open in new window and submit the form. If you have your current policy handy, we recommend that you enter the coverages identical to your current policy. This guarantees you will get rate quotes using the same coverage and limits.

Use discounts to get cheaper insurance rates

Insurance can be prohibitively expensive, but you might be missing out on some discounts that you may not even know about. Some discounts apply automatically at the time you complete a quote, but once in a while a discount must be inquired about before being credited. If you do not double check each discount available, you could be saving more on your insurance.

  • E-sign – A few larger companies will provide an incentive for buying a policy and signing up over the internet.
  • Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
  • Low Mileage Discounts – Maintaining low annual mileage can earn slightly better prices than normal.
  • Discounts for Good Drivers – Insureds who avoid accidents can pay as much as 50% less on Prelude coverage than drivers with accidents.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving could save 15% on the premium charged for medical payments and/or PIP.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks on the same insurance policy can get a discount for every vehicle.

A quick disclaimer, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will cut the premium cost.

A few popular companies and a summarized list of policyholder discounts are shown below.

  • Progressive policyholders can earn discounts including homeowner, online quote discount, good student, online signing, multi-policy, and multi-vehicle.
  • SAFECO offers discounts for homeowner, anti-lock brakes, safe driver, multi-car, anti-theft, and accident prevention training.
  • American Family may offer discounts for Steer into Savings, good driver, accident-free, TimeAway discount, bundled insurance, and defensive driver.
  • MetLife may include discounts for good student, multi-policy, accident-free, defensive driver, good driver, claim-free
  • Geico has discounts for anti-theft, air bags, anti-lock brakes, federal employee, and military active duty.
  • The Hartford discounts include vehicle fuel type, driver training, good student, anti-theft, air bag, and bundle.

Double check with each company how you can save money. Some discounts listed above may not be offered in your area. To view insurers who offer discounts, follow this link.

Four tips to get cheap insurance costs

Part of the auto insurance buying process is learning the factors that help calculate auto insurance rates. When you understand what controls the rates you pay, this helps enable you to make changes that can help you get lower premium levels.

The factors shown below are a few of the “ingredients” companies use to determine your premiums.

  • Save money by eliminating extra coverages – There are quite a few extra bells and whistles you can purchase if you aren’t diligent. Insurance for things like rental car coverage, high-cost glass coverage, and term life insurance are some examples. These coverages may sound good at first, but if you’ve never needed them in the past eliminate them to save money.
  • Poor credit decisions can cost you – An insured’s credit score is a large factor in calculating your premium rate. So if your credit score can use some improvement, you could be paying less to insure your 1990 Honda Prelude by spending a little time repairing your credit. Consumers who have excellent credit scores tend to be more responsible and file fewer claims than drivers with poor credit.
  • More stress means more cost – Did you know your job can affect your rates? Careers like judges, social workers and financial analysts tend to pay higher premiums than the average policyholder attributed to high stress levels and lots of time spent at work. Other careers such as farmers, historians and homemakers have lower than average premiums on Prelude coverage.
  • Liability coverage is cheap – A critical coverage on your policy, liability insurance provides coverage if ever you are ruled to be at fault for an accident. Liability provides for a legal defense which can cost thousands of dollars. It is affordable coverage compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

  • Should I drop comprehensive coverage on older vehicles?
  • What is covered by UM/UIM coverage?
  • When does my teenage driver need to be added to my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need an umbrella policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I need roadside assistance coverage?
  • Is my trailer covered?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Buyer beware of car insurance advertising tricks

Consumers can’t ignore all the ads that claim the lowest auto insurance rates by Progressive, Allstate and Geico. They all seem to state the claim about how much you will save just by switching your coverage to them.

How does each company make the same claim? This is how they do it.

Car insurance companies have specific guidelines for the type of insured that earns them the highest profit. An example of this type of insured could possibly be a married male, carries high limits, and the vehicle is rated for pleasure use. Anybody that hits that “sweet spot” receives the best prices and will most likely save if they switch.

Potential customers who do not meet this stringent profile may receive higher premiums which leads to the customer not buying. Company advertisements say “people that switch” not “everybody who quotes” save the amount stated. That’s the way companies can truthfully advertise the way they do. Because every company is different, you absolutely need to compare free car insurance quotes often. Because without a comparison, you cannot know with any certainty which company will provide the lowest premium rates.

Coverages available on your auto insurance policy

Knowing the specifics of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for claims like hail damage, falling objects, fire damage, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses for dental work, surgery, ambulance fees and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverage

This will pay to fix damage to your Prelude resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for liability

This coverage provides protection from damage that occurs to other people or property in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like structural damage, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Be a money saver!

You just learned some good ideas how to save on 1990 Honda Prelude insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting low cost car insurance. Consumers may even find the best price on insurance coverage is with a small mutual company. Smaller companies often have lower prices on specific markets compared to the large companies like Allstate, Geico and Progressive.

Some insurance coverage companies do not provide rate quotes online and these small insurance companies only sell coverage through independent agents. Affordable 1990 Honda Prelude insurance can be found both online in addition to many insurance agents, and you should compare rates from both in order to have the best chance of saving money.

Additional information can be found at the links below