1992 Honda Prelude Car Insurance Quotes

Trying to find better auto insurance rates for your Honda Prelude? Having to pay for overpriced auto insurance can deplete your savings account and maybe even restrict other spending. Comparing price quotes can save money and help to make sure you’re not throwing money away.

Many insurance companies compete for your business, and because of this it can be hard to compare insurance companies to discover the definitive best rates possible.

If you have a policy now or are looking for a new policy, you can use this information to find the best rates and possibly find even better coverage. Finding affordable coverage is not that difficult. Consumers only need an understanding of the most effective way to get comparison rates on the web.

How to compare free auto insurance quotes

Finding cheap auto insurance rates is not rocket science. You just have to invest a few minutes comparing free insurance coverage quotes provided by online insurance companies. Comparing prices online can be done in just a few minutes using one of these methods.

  • The fastest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form eliminates the need for multiple quote forms for every auto insurance company. Taking the time to complete one form gets insurance cost estimates from all major companies.
  • Another way to get quotes online consists of visiting the website for each individual company and go through the quote process again. For sake of this example, let’s say you are doing a rate comparison from USAA, State Farm and Progressive. You would need to visit each 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, do your best to use the same quote data on every price quote you get. If each company quotes unequal deductibles or liability limits then you won’t be able to find the best deal for your Honda Prelude.

Why your insurance rates might be higher

Lots of things are taken into consideration when you quote your car insurance policy. Most are fairly basic like an MVR report, but other factors are more transparent like your continuous coverage or your commute time.Part of the auto insurance buying process is learning a few of the rating criteria that come into play when calculating your premiums. When you understand what influences your rates, this enables you to make decisions that could help you find cheaper rates.

  • Liability insurance is cheap – The liability section of your policy is the coverage that protects you in the event that a court rules you are at fault for personal injury or accident damage. It will provide legal defense to attempt to prove you were not liable. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Uninterrupted coverage lowers auto insurance rates – Letting your insurance expire is a sure-fire way to drive up your policy premiums. And not only will insurance be more expensive, being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license. Then you may be required to file a SR-22 with your state department of motor vehicles.
  • Prevent your car from being stolen – Selecting a car model that has an advanced theft prevention system can save you some money. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft and help lower rates.
  • Premiums for males may be higher – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both genders cause auto accidents at a similar rate, but the men get into accidents with more damage. Men also statistically have more aggressive citations like DWI (DUI) or reckless driving.
  • With age comes lower costs – Mature drivers are shown to be more cautious, file fewer claims , and are generally more financially stable.Young drivers are proven to get distracted easily with other occupants in the car so they pay higher auto insurance rates.
  • Bundle and save – Most insurers provide lower prices for people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to check prices from other companies to guarantee you are still saving the most.
  • Lower stress equals lower premiums – Occupations such as real estate brokersairline pilots and financial analysts generally pay higher rates than average in part from high stress and long work hours. On the flip side, careers like farmers, students and performers get better rates on Prelude coverage.
  • Pay less with a high crash test rating – Vehicles with good safety scores are cheaper to insure. Safer cars have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims and thus lower rates. If your Honda Prelude has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.

Take advantage of every auto insurance discount

Auto insurance companies don’t always list all disounts very well, so the list below gives a summary of a few of the more well known as well as some of the hidden credits available to bring down your rates. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% on Prelude coverage with a few auto insurance companies.
  • Paperwork-free – Many companies will give a small break for buying your policy on their website.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower prices on the low mileage vehicles.
  • Seat Belts Save – Drivers who require all occupants to buckle up can save a little on the premium charged for medical payments and/or PIP.
  • Passenger Safety Discount – Options like air bags or automatic seat belts can get savings of 25 to 30%.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you can get free auto insurance, you’re out of luck.

Large auto insurance companies and their offered discounts can be read below.

  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, good student, accident-free, multiple autos, student away at school, and good driver.
  • Geico offers discounts including five-year accident-free, anti-theft, air bags, military active duty, and driver training.
  • Allstate includes discounts for safe driver, premier discount, 55 and retired, farm vehicle, anti-theft, and senior citizen.
  • SAFECO may offer discounts for anti-theft, homeowner, accident prevention training, safe driver, and anti-lock brakes.
  • Farm Bureau discounts include good student, renewal discount, multi-vehicle, 55 and retired, and multi-policy.
  • Progressive has savings for multi-policy, homeowner, online quote discount, online signing, and continuous coverage.
  • AAA has discounts for multi-policy, good student, AAA membership discount, education and occupation, multi-car, anti-theft, and good driver.

When getting a coverage quote, ask every prospective company to give you their best rates. Some discounts listed above might not be offered in every state. To see a list of providers who offer online auto insurance quotes, click here.

How to know if you need help

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

  • Does liability extend to a camper or trailer?
  • Why am I required to buy high-risk coverage?
  • When should I buy a commercial auto policy?
  • Are rock chip repairs covered?
  • Am I insured when driving a different vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance policy coverages for a Honda Prelude

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average car insurance policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Honda Prelude.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, rolling your car, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hail damage, vandalism, damage from flooding and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

This protects you from damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as structural damage, pain and suffering, emergency aid, bail bonds and medical expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as doctor visits, prosthetic devices, dental work and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Make an honest buck

Cheaper insurance coverage can be sourced on the web and from local agencies, so you need to quote insurance coverage with both to have the best selection. There are still a few companies who do not provide internet price quotes and many times these small insurance companies work with local independent agents.

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. In too many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

Other information

Comments About 1992 Honda Prelude Insurance

  1. Shara Bryant

    I live in West Valley City, UT. Received prices from Liberty Mutual, AAA, Nationwide, and a couple others for my Honda and I’m now saving $21 a month. Anyone else drop full coverage?

  2. Raeann George

    For me, Allstate was by far the cheapest in Greensboro, NC.

  3. Colleen Stafford

    I think I’m paying too much. From a town just southwest of Jackson, MS. Received quotes with MetLife, Erie, Allstate, and Auto-Owners for my Prelude and I’m now saving $18 a month. They have a lot of discounts available. Are quotes cheaper online? I don’t have comp or collision coverage.

  4. Grisel Dillard

    Can I get replacement cost coverage for a 1992 Honda Prelude?

  5. Quintin Bradford

    Thought I’d throw in my experience. I’m in the suburbs of Green Bay, Wisconsin. I don’t recall every quote but I ended up saving about $30 each month. I even had a DUI years ago. Next renewal I’ll just do liability.

  6. Norris Huber

    IMHO Des Moines, IA seems to have good rates from Progressive.

  7. Fernanda Armstrong

    Cheaper not always better. From northwest of Springfield, MA. Quoted prices from State Farm, AAA, and Encompass for my Honda and saved $115 a year. Good multi-policy discounts. Not sure if rates are cheaper online or not. Liability only on my Prelude.

  8. Charita Tate

    Cheap car insurance? What’s that? I’m in the north part of New Orleans, Louisiana. I got free quotes with GEICO, The General, and Erie for my Prelude and saved $119 a year. Left Hartford to switch. Good multi-policy discounts. I’m thinking about dropping full coverage though.

  9. Melva Baldwin

    Hope my rates come down. I live just to the west of Greensboro, NC. Got quotes with State Farm, American Family, Encompass, and The General for my 1992 Honda Prelude and I’m now saving $19 a month. Book value doesn’t justify full coverage anymore.

  10. Debora Levine

    Anyone understand their policy?

  11. Ardath Williamson

    Does GEICO have good customer service?

  12. Danyell Francis

    If you have a clean record and live in the vicinity of Augusta, GA, check out Progressive. They seem to be cheaper. They have free quotes online. It’s only liability tho.