Locating cheaper insurance for a Honda Prelude can be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to find insurance coverage online so you’re going to learn the absolute fastest way to quote coverages for a new or used Honda and get the lowest price either online or from local insurance agents.
You need to check insurance coverage prices before your policy renews because prices go up and down regularly. If you had the best deal on Prelude insurance a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the proper way to find better rates and still maintain coverage.
Choosing the best insurance company for you is quite easy. If you are insured now or are just looking to switch companies, you can use these tips to find the best rates and still get good coverage. Consumers only need to know the tricks to compare company rates on the web.
Companies offering auto insurance don’t always advertise the complete list of policy discounts in an easy-to-find place, so below is a list both the well known in addition to some of the lesser obvious credits available to bring down your rates.
You can save money using discounts, but some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will lower the cost of your policy.
Some of the insurance companies who might offer these benefits possibly include:
Before you buy a policy, ask each company or agent which discounts you may be entitled to. All car insurance discounts might not be offered in your area.
The quickest method we recommend to get policy rate comparisons utilizes the fact most insurance companies will pay a fee to quote your coverage. All you need to do is provide a little information like how much coverage you want, if the vehicle is leased, the year, make and model of vehicles, and whether or not you need a SR-22. Your insurance information is automatically sent to multiple top-rated companies and they return quotes quickly.
If you would like to start a quote now, click here and see if a lower rate is available.
When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.
For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.
Consumers can’t escape the ads for insurance savings from the likes of State Farm and Allstate. All the ads state the claim about how much you will save if you move your insurance policy to them.
How does every company offer you a better deal? This is how they do it.
All the different companies can use profiling for the driver that earns them a profit. An example of a profitable risk profile could possibly be over the age of 40, has a low-risk occupation, and does not commute to work. A propective insured that meets those criteria will get a cheap rate quote and will also save a lot if they switch.
Drivers who may not quite match these stringent criteria will be quoted a higher rate which results in the customer buying from someone else. The ads say “customers who switch” not “everyone that quotes” save money. That is how insurance companies can confidently make claims that they all have the best premium rates. Because of the profiling, you should compare many company’s premium rates. You cannot predict the company that will fit your personal profile best.
Understanding the coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane and vandalism. The highest amount 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 probably time to drop comprehensive insurance.
Collision protection
Collision insurance pays for damage to your Prelude resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like crashing into a ditch, scraping a guard rail, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. 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 raise the deductible in order to get cheaper collision rates.
UM/UIM Coverage
This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Honda Prelude.
Since 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 very important.
Medical costs insurance
Coverage for medical payments and/or PIP reimburse you for bills for things like nursing services, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Auto liability insurance
This coverage provides protection from damage that occurs to a person or their property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income, pain and suffering and structural damage. How much liability should you purchase? That is up to you, but buy higher limits if possible.
Budget-conscious 2000 Honda Prelude insurance can be bought from both online companies and also from your neighborhood agents, so get free car insurance quotes from both of them so you have a total pricing picture. There are still a few companies who do not provide online price quotes and many times these small, regional companies prefer to sell through independent agencies.
Consumers leave their current company for a number of reasons such as policy cancellation, delays in paying claims, lack of trust in their agent or even policy non-renewal. Regardless of your reason, finding a new car insurance company can be less work than you think.
As you quote car insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Additional detailed information can be found in these articles: