1997 Honda Prelude Car Insurance Cost

Finding affordable car insurance online may be rather difficult for vehicle owners who are beginners to quoting and comparing rates over the internet. With a ridiculous number of companies competing online, how can you have the ability to compare every possible option in order to find lower car insurance premiums?

How to shop insurance coverage online

To get affordable auto insurance quotes, there a variety of ways to compare rate quotes from insurance coverage companies in your area. The easiest way to find cheaper 1997 Honda Prelude rates is to use the internet to compare rates. This can be done in several different ways.

  • The recommended way to find low rates is a comparison rater form (click to open form in new window). This method keeps you from doing repetitive form entry for every insurance coverage company. A single, simple form compares rates direct from many companies.It’s the quickest way to get rates.
  • A harder way to compare rate quotes requires you to visit each company’s website to complete their respective quote request forms. For example, let’s say you want to compare rates from Allstate, 21st Century and Progressive. You would have to spend time on each company’s site to input your insurance information, which can take a lot of time.

    For a list of links to insurance companies in your area, click here.

However you get your quotes, be sure you’re using apples-to-apples coverage limits and deductibles for every quote you compare. If you compare differing limits you can’t possibly determine the best price for your Honda Prelude. Just slight variations in insurance coverages could skew the results. And when quoting insurance coverage, remember that having more price comparisons provides better odds of finding more affordable rates. Some companies don’t provide quotes online, so it’s important to also get rates from the smaller companies as well.

Find discounts on insurance coverage

Some providers don’t necessarily list every possible discount very clearly, so the list below contains some of the more common and the harder-to-find discounts that you may qualify for.

  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. You can use this discount normally until age 25.
  • Life Insurance – Some insurance coverage companies give lower insurance coveragerates if you buy life insurance.
  • Multi-car Discount – Buying insurance for primary and secondary vehicles with the same insurance coverage company can get a discount on all vehicles.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
  • Paper-free Discount – Certain insurance coverage companies provide a small discount get auto insurance digitally online.
  • Active Service Discounts – Being deployed with a military unit could qualify you for better insurance coverage rates.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

Larger insurance coverage companies and a selection of discounts can be read below.

  • Farm Bureau may offer discounts for renewal discount, safe driver, multi-vehicle, 55 and retired, and driver training.
  • State Farm has discounts for passive restraint, multiple policy, driver’s education, safe vehicle, and student away at school.
  • Progressive has savings for multi-vehicle, continuous coverage, multi-policy, online quote discount, homeowner, and good student.
  • Allstate policyholders can earn discounts including early signing, economy car, senior citizen, resident student, teenSMART discount, new car, and defensive driver.
  • Nationwide offers discounts for Farm Bureau membership, multi-policy, easy pay, good student, family plan, and accident-free.
  • MetLife offers premium reductions for defensive driver, good driver, accident-free, multi-policy, claim-free, and good student.

If you need lower rates, check with each company or agent how many discounts you can get. Some credits might not apply in your area.

Tailor your insurance coverage to you

When choosing coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions might point out whether you would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • Is my 1997 Honda Prelude covered for smoke damage?
  • How much liability do I need to cover my assets?
  • Who is covered when they drive my 1997 Honda Prelude?
  • Am I covered if I break a side mirror?
  • Does coverage extend to a rental car in a foreign country?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Insurance cost influencing factors

It’s important that you understand some of the elements that aid in calculating auto insurance rates. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that can help you get lower rates. Lots of things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but others are less obvious like your continuous coverage or how financially stable you are.

  • Lower prices with alarm systems – Buying a car with advanced anti-theft systems can earn a premium discount. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.
  • Getting married is a good thing – Walking down the aisle can actually save you money on auto insurance. It is viewed as being more mature than a single person and it’s statistically proven that drivers who are married file infrequent claims.
  • A lauto insurance policy lapse is a bad thing – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your insurance lapse for non-payment. In addition to paying higher premiums, getting caught without coverage may result in a hefty fine and possibly a revoked license.
  • Poor credit can mean higher costs – An insured’s credit score can be a huge factor in determining what you pay for auto insurance. If your credit rating could use some work, you could pay less to insure your 1997 Honda Prelude by spending a little time repairing your credit. Insureds with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.

Truth in auto insurance advertising

Companies like Allstate, Geico and Progressive consistently run ads in print and on television. All the ads have a common claim that people will save if you get a free auto insurance quote and switch your auto insurance policy to them. How does each company give you a better price? Here is how they do it.

Different companies quote their cheapest rates for the type of driver that will add to their bottom line. A good example of this type of risk profile might be over age 30, owns a home, and drives newer vehicles. Someone who fits that profile will probably get the lowest rates and is almost guaranteed to save when switching.

Drivers who do not match these criteria will be charged a higher rate and ends up with the customer buying from a different company. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save money. This is how companies can truthfully advertise the savings. This really emphasizes why drivers should do a rate comparison at every renewal. You cannot predict with any certainty which company will have the lowest rate quotes.

Auto insurance coverages

Having a good grasp of a insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people 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 should not be overlooked.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, hitting a deer, theft, hitting a bird and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as EMT expenses, X-ray expenses and prosthetic devices. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverage – Collision coverage covers damage to your Prelude caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverage – Liability coverage can cover damage that occurs to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

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 means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as court costs, bail bonds, medical services and funeral expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

The bottom line

Drivers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, denial of a claim and delays in paying claims. No matter why you want to switch, choosing a new company is actually quite simple.

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

Affordable 1997 Honda Prelude insurance is available on the web in addition to local insurance agencies, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance companies do not provide online rate quotes and these small, regional companies only sell through local independent agents.

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