1996 Honda Prelude Insurance Rates – 5 Tips to Save

Searching for cheaper car insurance rates for your Honda Prelude? I doubt anyone gets a kick out of paying for car insurance, especially when they know they are paying too much. Vehicle owners have multiple auto insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to adequately compare rates.

It’s smart to get comparison quotes as often as possible because car insurance prices are variable and change quite frequently. Even if you got the best rate on Prelude insurance a couple years back there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn one of the easiest ways to find lower rates on car insurance.

How much is insurance coverage?

There are a variety of methods to shop for insurance coverage, but some are less labor-intensive and much quicker. You can spend your afternoon talking about coverages with insurance companies in your area, or you can utilize the internet to maximize your effort.

Many companies take part in a program that enables customers to submit their information once, and at least one company then returns a price quote based on that information. This prevents consumers from doing quote forms for each company.

To find out what other companies charge click here to open in new window.

The single downside to using this type of system is that consumers can’t choose which providers to get pricing from. If you wish to select specific providers to compare, we put together a list of companies who write insurance coverage in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare apples-to-apples quote data for each comparison quote. If you have different data it will be very difficult to determine which rate is truly the best.

Pay discount rates with these five discounts

Insurance coverage can be pricey, but there are discounts available that can dramatically reduce your bill. Some discounts will apply when you complete an application, but some need to be specifically requested before you get the savings.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get a small discount on rates on Prelude insurance.
  • Include Life Insurance and Save – Some companies give a discount if you purchase some life insurance too.
  • First Accident Forgiveness – Not really a discount, but some companies like Geico and Liberty Mutual permit an accident before your rates go up with the catch being you have to be claim-free prior to the accident.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, you aren’t that lucky. But any discount will help lower the amount you pay for coverage.

Car insurance companies that may offer these benefits include:

It’s a good idea to ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in your area. If you would like to view companies who offer free insurance coverage quotes, click here to view.

Your situation helps dictate your coverage

When it comes to buying coverage, there is no perfect coverage plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Do I have coverage when using my vehicle for my home business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I rate my 1996 Honda Prelude as pleasure use or commute?
  • Can I afford to buy a different vehicle if my 1996 Honda Prelude is totaled?
  • How do I insure my teen driver?
  • How do I file an SR-22 for a DUI in my state?
  • Are rock chip repairs covered?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverage options for a 1996 Honda Prelude

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average auto insurance policy.

Coverage for collisions

This coverage will pay to fix damage to your Prelude caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses such as funeral costs, nursing services, X-ray expenses, ambulance fees and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, damage from getting keyed, fire damage, rock chips in glass and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Prelude.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are identical to your policy’s liability coverage.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. 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 per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as medical expenses, pain and suffering, medical services and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

What is YOUR best insurance company?

We just showed you some good ideas how to shop for 1996 Honda Prelude insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates compared to the large companies like Geico and State Farm.

When searching for affordable insurance coverage quotes, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

To read more, feel free to visit the resources below:

Comments About 1996 Honda Prelude Insurance

  1. Maisie Curry

    Does New Jersey require a SR-22 after a DUI?

  2. Colby Harding

    Quoted with Travelers for my 1996 Honda Prelude and am saving around $70 a year. Thankfully I’m not a high risk driver. God forbid I actually have a claim. It’s too old for full coverage.

  3. Nan Shannon

    Is GEICO or State Farm cheaper in Cedar Rapids, IA?

  4. Jeffrey Haley

    In New Haven, Connecticut, 21st Century is a good choice. A clean driving record helps.

  5. Judie Knowles

    Here’s what I found out. Quoted with MetLife for my Prelude and saved about $60 a year. Still almost need a second mortgage.

  6. Marica Mendez

    I’ve bought from Progressive forever. Cheapest rates in Des Moines, IA.

  7. Lorene Bolton

    Cheaper not always better. I’m in the east part of Aurora, Colorado. Not sure of all the companies but I ended up saving about $20 each month.

  8. Darby Bowman

    Where is cheaper car insurance? Located in Fayetteville, AR. Quoted a bunch of companies. Saved roughly $30 a month. 21st Century was the best choice for me. Got better coverage too.

  9. Antony Wilkins

    Great site. Located in Tucson, AZ. Got quotes from Western Auto Insurance, Auto-Owners, Liberty Mutual, and Nationwide for my 1996 Honda Prelude and I’m now saving $17 a month. I just quoted rates online. Anyone else drop full coverage?

  10. Danyel Bowers

    Just my two cents. From a town just southwest of Aberdeen, SD. Quoted prices from Auto-Owners, Eastwood, and Nationwide for my Honda and I’m now saving $16 a month. Was with AAA. Get lots of quotes to find the best rate.

  11. Bernadine Romero

    Lots of useful info here. Checking in from Colorado Springs, Colorado. Got car insurance quotes from 21st Century, Amica, and some I forget for my Prelude and saved just over $90 a year. Hopefully won’t need it. I dropped full coverage awhile back.

  12. Lakiesha Bolton

    From Saint Louis, MO. I quoted with GEICO, Auto-Owners, and some I forget for my 1996 Honda Prelude and saved just over $80 a year. Was with Safeco. Have a couple speeding tickets too.