1995 Honda Prelude Insurance Rates

Looking for cheaper insurance coverage rates for your Honda Prelude? Vehicle owners not familiar with comparing insurance coverage rates online can find locating low cost insurance is nearly impossible.

It’s a good habit to shop coverage around occasionally because prices change regularly. Despite the fact that you may have had the best price on Prelude insurance at your last renewal you will most likely find a better rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the easiest way to find better rates and still maintain coverage.

Take policy discounts and save

Car insurance companies don’t necessarily list all possible discounts very well, so the following is a list of some of the more common as well as some of the hidden savings tricks you should be using when you buy insurance online.

• Discount for New Cars – Putting insurance coverage coverage on a new car may earn a small discount because newer vehicles have to meet stringent safety requirements.
• Anti-theft System – Vehicles that have factory anti-theft systems can help prevent theft and will save you 10% or more.
• Include Life Insurance and Save – Some companies give better prices if you take out life insurance.
• Membership in Organizations – Affiliation with qualifying employment or professional organizations can get you a small discount when getting a insurance quote.
• Senior Citizens – Drivers that qualify as senior citizens could receive lower premium rates on Prelude insurance.
• Discount for Swiching Early – Some insurance companies provide a discount for buying a policy before your current expiration date. This can save 10% or more.

Remember that most discounts do not apply the the whole policy. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, that’s just not realistic.

Car insurance companies that possibly offer many of the previously listed discounts are:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

If you want affordable insurance quotes, ask each company or agent which credits you are entitled to. Some discounts may not be available in your area. If you would like to see a list of insurance coverage companies that offer many of these discounts, click here.

How to shop insurance online

Many insurance companies provide insurance quotes online. Comparing prices online doesn’t take a lot of time as you simply enter the coverage amounts you desire into the form. After the form is submitted, their rating system requests your driving and credit reports and returns a price based on these factors.

Online quotes simplifies rate comparisons, but the time required to go to each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s very important to have as many quotes as possible if you want to get better insurance pricing.

Quote rates the easy way

The smarter way to find lower prices utilizes a single form to get prices from more than one company. It saves time, requires less work, and makes quoting online much simpler. After sending the form, it gets priced and you are able to buy any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. It takes less than 15 minutes and you will know how your current rates stack up.

To get comparison pricing now, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend you replicate coverages and limits as shown on your current policy. This ensures you’re receiving a fair comparison based on the exact same insurance coverage.

Reduce insurance rates with these tips

Part of the insurance buying process is learning a few of the rating criteria that go into determining insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that could help you find better insurance rates.

• Consider raising deductibles – The deductibles are the amount of money the insured will be required to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are colliding with a stationary object, vandalism, and having a roll-over accident. The more money you choose to pay out-of-pocket, the bigger discount you will receive on Prelude insurance.
• Getting married is a good thing – Being married may cut your premiums on insurance. Having a spouse means you’re more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
• Bad credit hurts insurance costs – Having a good credit rating is a large factor in determining your rates. So if your credit is not that good, you may save money insuring your 1995 Honda Prelude by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit scores.
• Liability is cheap – Liability coverage provides coverage in the event that you are found to be at fault for causing damage or personal injury in an accident. It will provide for a legal defense which can cost a lot. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.

Which policy gives me the best coverage?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique.

For example, these questions can help discover if you would benefit from an agent’s advice.

• When would I need additional glass coverage?
• What can I do if my company denied a claim?
• Can I drive in Mexico and have coverage?
• What is medical payments coverage?
• Are my friends covered when driving my car?
• If I drive on a suspended license am I covered?
• Will filing a claim cost me more?
• Should I bundle my homeowners policy with my auto?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance advertisements

Companies like 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. They all seem to make the same claim about savings if you move your coverage. How do they all offer you a better deal? It’s all in the numbers.

Insurance companies require specific criteria for the driver that will most likely be profitable. One example of a preferred risk should be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. Anyone that matches those criteria gets the lowest rates and have a good chance to cut their rates substantially.

People who don’t meet this stringent profile will be charged a more expensive rate which leads to the driver buying from a lower-cost company. If you listen closely, the ads state “drivers who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully make claims like that.

Different companies use different criteria so it’s extremely important to get price quotes at each policy renewal. It is impossible to guess the company that will fit you best based on your risk profile.

Insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, crashing into a building, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability auto insurance – Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, medical expenses, attorney fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Honda Prelude.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like rehabilitation expenses, funeral costs, EMT expenses and hospital visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, hitting a bird and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

In any little way, save everyday

You just learned a lot of techniques to save on 1995 Honda Prelude insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the lowest priced insurance coverage comes from a smaller regional carrier.

The cheapest 1995 Honda Prelude insurance is definitely available from both online companies and from local agencies, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not provide the ability to get quotes online and most of the time these regional insurance providers work with independent agencies.

Consumers switch companies for any number of reasons including unfair underwriting practices, lack of trust in their agent, delays in responding to claim requests or even extreme rates for teen drivers. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

For more information, take a look at the resources below:

• Anti-Lock Brake FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Distracted Driving (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)