1995 Honda Prelude Car Insurance Quotes – 6 Tips to Save

Want better auto insurance rates for your Honda Prelude? Trying to find better insurance prices for a Honda Prelude can be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are both good and bad ways to buy auto insurance and you need to know the proper way to get price quotes for your Honda and obtain the cheapest rates either online or from local insurance agents.

It’s a good idea to compare prices before your next renewal because prices change regularly. Even if you think you had the best deal on Prelude coverage last year the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you’re about to learn the fastest way to lower your annual insurance bill.

How to shop insurance coverage online

Most companies give coverage prices online. Comparing rates online is possible for anyone because it’s just a matter of typing in your required coverages as detailed in the form. When the form is submitted, their rating system obtains your driving record and credit report and generates pricing information based on these and other factors.

This streamlines rate comparisons, but the process of having to visit multiple sites and complete many quote forms gets old quite quickly. But it is imperative to do this in order to get the lowest insurance coverage rates.

There is a better way to compare rates

The quickest way to lower your rates uses one form to return rates from many companies. It’s a real time-saver, requires less work, and makes online shopping much easier. Immediately after submitting the form, it is quoted with multiple companies and you can pick any of the returned quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It just takes a couple of minutes and may save quite a bit of money.

To compare rates using this form now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you enter exactly as shown on your declarations page. Using the same limits helps guarantee you’re receiving rate comparison quotes for similar coverage.

Take these six policy discounts and save

Some companies don’t always advertise every available discount in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known discounts you could be receiving when you buy insurance coverage online. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
  • Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote as opposed to insureds who have frequent claims or accidents.
  • Multiple Policy Discount – If you can bundle your home and auto insurance with one insurance company you could earn a discount of at least 10 to 15 percent or more.
  • Discount for New Cars – Insuring a new car can cost up to 25% less since new vehicles are generally safer.
  • Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your insurance coverage quote.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.

While discounts sound great, it’s important to understand that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To locate providers that offer some of these discounts, click this link.

Which policy gives me the best coverage?

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

For instance, these questions can help discover whether or not you may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • Are split liability limits better than a combined single limit?
  • Are rental cars covered under my policy?
  • What is high-risk coverage and where do I buy it?
  • Is my teenager covered with friends in the car?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Well known brands might not be cheapest

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, Allstate and Geico. They all seem to make an identical promise that you can save if you get a free insurance coverage quote and switch your policy.

How can each company offer you a better deal? Just pay attention to how they say it.

Many companies offer their best rates for the type of driver they prefer to insure. For instance, a profitable customer might be described as between the ages of 30 and 45, has never had a claim, and has great credit. A propective insured that meets those criteria receives the best prices as well as save when they switch companies.

People who do not fit these standards will be charged higher premiums which usually ends up with the customer buying from someone else. If you listen to the ad wording, they say “drivers who switch” not “everyone who quotes” save the amount stated. That is how companies can make those claims. This really illustrates why you really need to get as many free insurance coverage quotes as possible. It’s not possible to predict with any certainty which company will be your best fit.

Auto insurance coverage information

Having a good grasp of your auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses like nursing services, pain medications, doctor visits, chiropractic care and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This protects you from damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things like legal defense fees, court costs, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This coverage will pay to fix damage to your Prelude caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, hitting a mailbox, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, theft and falling objects. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Never pay more for less

As you quote insurance coverage, do not reduce coverage to reduce premium. There have been many cases where drivers have reduced full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at the lowest possible cost.

We just presented a lot of ways to save on 1995 Honda Prelude insurance. The key concept to understand is the more times you quote, the higher your chance of finding affordable insurance coverage. You may even find the best rates are with a small local company.

Insureds who switch companies do it for any number of reasons including not issuing a premium refund, policy cancellation, high rates after DUI convictions or delays in paying claims. It doesn’t matter why you want to switch switching companies is easier than you think.

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