How Much Does 1997 Honda Prelude Insurance Cost?

Trying to find better auto insurance rates for your Honda Prelude? Searching for affordable auto insurance can appear to be intimidating for vehicle owners new to quoting and shopping for insurance over the internet. With dozens of insurance companies available, how can drivers efficiently compare the different rates to find the cheapest rates?

You should take the time to check auto insurance prices yearly due to the fact that insurance prices are variable and change quite frequently. Even if you think you had the lowest rates for Prelude coverage last year there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Learn how to find insurance for less

A large part of saving on insurance is knowing the rating factors that go into determining the price you pay for insurance. If you have a feel for what determines premiums, this allows you to make good choices that may reward you with better insurance rates. Lots of things are considered when you quote your car insurance policy. Some are obvious like an MVR report, although some other factors are more transparent like your vehicle usage or how safe your car is.

Listed below are some of the major factors insurance companies consider when setting premiums.

• Deter theft and pay less – Choosing a vehicle that has an advanced theft prevention system can earn a premium discount. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft and help bring rates down.
• City traffic equals higher premiums – Residing in less populated areas has it’s advantages when talking about insurance. Drivers who live in large cities tend to have congested traffic and more time behind the wheel. Fewer drivers and short commutes means a lower chance of having an accident and lower theft and vandalism rates.
• Experienced drivers save more – Older, more experienced drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.Youthful drivers have been known to be inattentive and easily distracted when driving with friends and because of this, their insurance rates are much higher.
• Your spouse saves you money – Getting married can get you a discount on your insurance policy. Having a significant other may mean you are more financially stable and statistics prove married drivers tend to file fewer claims.
• See if your company offers a multi-policy discount – Most major companies allow better rates to clients that purchase more than one policy. It’s known as a multi-policy discount. If you currently are using one company, consumers should still get quotes from other companies to confirm you are receiving the best rates possible.
• Good drivers pay better prices – Whether or not you get tickets has a huge affect on how much you pay. Good drivers get better rates than their less careful counterparts. Even one speeding ticket can boost insurance rates by as much as thirty percent. People who have dangerous tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent their license from being revoked.

The method we recommend to compare policy rates is to take advantage of the fact all the major auto insurance companies actually pay money for the chance to give free rates quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information including any included safety features, if you have an active license, your job, and an estimate of your credit level. Your information is instantly provided to all major companies and they provide comparison quotes instantly to find the best rate.

If you wish to get multiple quotes for your car now, click here and find out if lower rates are available.

Cheap insurance coverage quotes with discounts

Companies that sell car insurance do not advertise every disount available in an easy-to-find place, so we researched both the well known and the more hidden credits available to lower your premiums when you buy car insurance online.

• Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in high school.
• Good Grades Discount – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
• Good Driver Discount – Accident-free drivers can save as much as half off their rates for Prelude coverage as compared to drivers with claims.
• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings of more than 20%.
• Life Insurance Discount – Larger insurance coverage companies have a lower rate if you buy some life insurance in addition to your auto policy.
• Homeowners Discount – Owning a home can help you save on insurance coverage because it requires a higher level of personal finance.
• Theft Deterent System – Cars equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
• Sign Early and Save – A few insurance companies give discounts for switching to them before your current expiration date. You could save around 10% when you buy car insurance online.
• Accident Waiver – Not necessarily a discount, but a few companies such as Progressive, State Farm and Geico will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
• Driving Data Discount – Policyholders that allow their company to study their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they have good driving habits.

As a sidenote, some credits don’t apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A list of insurance coverage companies and the discounts they provide are included below.

• State Farm may offer discounts for good driver, multiple policy, Steer Clear safe driver discount, multiple autos, and good student.
• Farmers Insurance has savings for homeowner, electronic funds transfer, pay in full, switch companies, and youthful driver.
• Geico offers discounts for driver training, multi-policy, federal employee, anti-lock brakes, daytime running lights, and air bags.
• American Family discounts include Steer into Savings, air bags, mySafetyValet, defensive driver, multi-vehicle, and good student.
• Nationwide offers discounts including anti-theft, family plan, easy pay, defensive driving, accident-free, and Farm Bureau membership.
• Progressive includes discounts for homeowner, multi-policy, multi-vehicle, good student, continuous coverage, and online quote discount.

Before you buy a policy, ask every prospective company which discounts they offer. Discounts may not apply to policies in your area. To view insurance companies who offer cheap insurance coverage quotes, click here.

Tailor your insurance coverage coverage to you

When it comes to buying 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 can aid in determining if your insurance needs might need an agent’s assistance.

• Is there coverage for injuries to my pets?
• Should I get collision insurance on every vehicle?
• When does my teenage driver need to be added to my policy?
• Am I covered if I drive in a foreign country?
• Is my vehicle covered by my employer’s policy when using it for work?
• What is covered by UM/UIM coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverages 101

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, hitting a deer and damage from flooding. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills like X-ray expenses, dental work, prosthetic devices, nursing services and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance can cover damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects and loss of income. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Coverage for collisions

This will pay to fix damage to your Prelude from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, rolling your car, damaging your car on a curb, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Honda Prelude.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Do the work, save more money

People leave their current company for any number of reasons including lack of trust in their agent, high prices, being labeled a high risk driver and even denial of a claim. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

Discount 1997 Honda Prelude insurance is possible on the web and with local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers may not provide the ability to get a quote online and most of the time these small, regional companies provide coverage only through local independent agencies.

We just presented quite a bit of information on how to compare 1997 Honda Prelude insurance car insurance rates online. The key concept to understand is the more price quotes you have, the higher your chance of finding inexpensive car insurance. You may be surprised to find that the lowest priced insurance coverage comes from a small mutual company.

For more information, feel free to visit these articles:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Insurance Learning Center (State Farm)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)