Save on 1993 Honda Prelude Insurance Quotes

Looking for cheaper car insurance rates for your Honda Prelude? No normal person anticipates paying for car insurance, especially when they could find better rates elsewhere. Due to the fact that there are so many choices, it is hard for the average consumer to pick the most cost effective car insurance provider.

You need to check car insurance prices yearly due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the best price on Prelude coverage a few years ago you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance online but you can learn some of the best ways to find affordable car insurance.

Buying car insurance is quite easy. If you have insurance now or are shopping for new coverage, you can learn to get lower rates and still get good coverage. Drivers just need to learn the proper methods to compare prices online.

Learn how to lower your insurance premiums

It’s important that you understand some of the things that are used to determine your policy premiums. If you understand what influences your rates, this enables you to make decisions that can help you get lower auto insurance prices. Lots of factors are used in the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, but some are not as apparent like your continuous coverage or how financially stable you are.

Shown below are some of the things used by companies to determine your rates.

• Premiums are high for teenagers – Youthful drivers are proven to be easily distracted in a vehicle and because of this, their auto insurance rates are much higher. Older, more experienced drivers are viewed as being more responsible, file fewer claims , and usually have better credit.
• How’s your driving record? – Only having one speeding ticket may cause rates to rise twenty percent or more. Drivers who don’t get tickets get better rates than bad drivers. People who have careless violations like DUI, reckless driving or excessive speeding may find that they have to to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
• Vehicles with better crash test results means better auto insurance rates – Vehicles that have high safety ratings tend to be cheaper to insure. These vehicles reduce occupant injuries and fewer serious injuries translates into savings for insurance companies and lower rates for you.
• Auto insurance policy lapses increase prices – Having a gap between insurance policy dates is a guaranteed way to increase your auto insurance rates. In addition to paying higher rates, the inability to provide proof of insurance will get you a revoked license or a big fine. You may then be required to file a SR-22 with your state DMV.
• Certain occupations raise auto insurance rates – Jobs like doctors, architects and financial analysts usually pay higher premiums than the average policyholder in part from stressful work requirements and extremely grueling work hours. Other professions such as scientists, engineers and the unemployed get better rates on Prelude coverage.
• Credit score impacts rates – Credit score can be an important factor in determining premium rates. People with excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit rating could use some work, you may save money insuring your 1993 Honda Prelude by improving your credit score.
• Do you really need the incidental coverages? – There are a lot of extra bells and whistles you can purchase if you aren’t diligent. Things like roadside assistance, towing coverage, and extra life insurance coverage are some examples. They may sound like good ideas when you first buy your policy, but if you’ve never needed them in the past remove them from your policy.
• Claims cost money – If you file claims often, you shouldn’t be surprised to get either higher rates or even cancellation. Auto insurance companies give the lowest premiums to insureds who file claims infrequently. Insurance coverage is intended to be relied upon for the large, substantial claims.

How to get low cost insurance coverage

Finding cheaper 1993 Honda Prelude insurance coverage prices is a fairly straight forward process. All that’s required is to take a few minutes to get quotes from online providers. Shoppers can get rates in several different ways.

• The most recommended method consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This easy form eliminates the need for repetitive form entry to each individual insurance coverage company. A single, simple form gets you price quotes from insurance coverage companies with the best prices.
• Another way to get quotes online requires visiting the website of each company to complete a price quote. For example, let’s assume you want to view quotes from Auto-Owners, State Farm and Allstate. To do that, you would have to navigate to each company’s site to enter your coverage information, which can be really labor intensive.

  To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing identical coverages and limits for every company. If you are comparing different data it will be impossible to make an equal comparison.

Save $493 a year? Really?

Drivers can’t avoid all the ads for the lowest price insurance coverage from the likes of Geico, State Farm and Progressive. They all state the claim about saving some big amount just by moving your coverage.

It sounds good, but how can they all give you a lower rate? Just pay attention to how they say it.

Companies quote the lowest rates for the type of driver that will not have excessive claims. For example, a desirable insured could possibly be over the age of 50, carries high limits, and has a short commute. Any customer that matches those criteria will most likely get cheap prices and will pay quite a bit less when switching companies.

Insureds who do not match these criteria may be required to pay higher premium rates which leads to business going elsewhere. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can lure you into getting a quote. Because of this risk profiling, you absolutely need to do a price quote comparison at every renewal. You cannot predict which company will have the lowest rate quotes.

Find hidden discounts on auto insurance

Some providers don’t always publicize all their discounts very clearly, so below is a list a few of the more well known and the more hidden discounts you could be receiving when you buy insurance coverage online.

• Life Insurance Discount – If the company offers life insurance, you could get a discount if you purchase some life insurance too.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
• Claim Free – Drivers who stay claim-free can earn big discounts when compared with drivers who are more careless.
• Passenger Safety Discount – Options like air bags or automatic seat belts can receive discounts of 20 to 30 percent.
• Low Mileage Discounts – Keeping the miles down on your Honda may enable drivers to earn lower rates due to less chance of an accident.
• Driver’s Education for Students – Have your child complete a driver education course in school or through a local driver safety program.
• Telematics Data Discounts – Drivers who agree to allow driving data collection to track when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
• Discounts for New Vehicles – Insuring a vehicle that is new can get you a discount since newer vehicles have better safety ratings.
• Theft Deterent – Cars optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like you could get a free auto insurance policy, auto insurance companies aren’t that generous. But any discount will positively reduce your policy premiums.

Large auto insurance companies and some of their more popular discounts are outlined below.

• American Family policyholders can earn discounts including mySafetyValet, good student, good driver, air bags, TimeAway discount, multi-vehicle, and early bird.
• Farm Bureau may include discounts for safe driver, renewal discount, multi-policy, driver training, good student, and 55 and retired.
• State Farm may have discounts that include accident-free, passive restraint, Steer Clear safe driver discount, multiple autos, and multiple policy.
• Travelers offers discounts including hybrid/electric vehicle, early quote, save driver, driver training, good student, and IntelliDrive.
• The Hartford includes discounts for vehicle fuel type, anti-theft, air bag, defensive driver, driver training, good student, and bundle.
• Geico offers premium reductions for multi-vehicle, five-year accident-free, military active duty, emergency military deployment, seat belt use, membership and employees, and multi-policy.
• Progressive may offer discounts for online quote discount, homeowner, continuous coverage, multi-vehicle, multi-policy, and good student.

Before buying, ask each insurance company which credits you are entitled to. Some discounts may not be offered in your area. If you would like to view insurance companies with the best auto insurance discounts, follow this link.

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

• Why am I be forced to buy a membership to get insurance from some companies?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How can I find cheaper teen driver insurance?
• Am I better off with higher deductibles on my 1993 Honda Prelude?
• Exactly who is provided coverage by my policy?
• What is an SR-22 filing?
• Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage options for a Honda Prelude

Understanding the coverages of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. These are the usual coverages offered by car insurance companies.

Collision – Collision insurance pays for damage to your Prelude from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, sustaining damage from a pot hole, colliding with a tree, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, fire damage, falling objects and hail damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, funeral costs, doctor visits, surgery and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Auto liability insurance – This coverage can cover damages or injuries you inflict on other’s property or people. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as pain and suffering, funeral expenses and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Prelude.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Compare but don’t skimp

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage for the lowest cost while not skimping on critical coverages.

We just showed you a lot of information how to shop for 1993 Honda Prelude insurance online. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. Consumers may even find the best price on insurance is with the least-expected company. These companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as Progressive and Geico.

Other resources

• Crash Avoidance Technologies FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)