2000 Honda Prelude Insurance Cost – 9 Savings Tips

Finding the cheapest insurance for your Honda Prelude can normally be an all-consuming task, but you can learn our insurance buying tips and make it easy. There are both good and bad ways to compare insurance rates and we’ll show you the quickest way to price shop coverage for your Honda and find the best price possible either online or from local insurance agents.

You need to do price comparisons before your policy renews because insurance rates are rarely the same from one policy term to another. Just because you found the best rate on Prelude insurance six months ago the chances are good that you can find a lower price today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to use the internet to find great coverage at a great price.

Choosing the best insurance company for you is not rocket science. If you are insured now or are looking for a new policy, you can learn to get lower rates while maintaining coverages. Drivers just need to know the best way to shop over the internet.

How to buy insurance coverage online

Performing a rate comparison can be a lot of work if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) driving to insurance companies in your area, or you could save time and use the web to get pricing more quickly.

Many insurance companies belong to an insurance system where insurance shoppers only type in their quote data once, and each company returns a rated price determined by their information. This prevents consumers from doing quote requests to every company.

To find out what other companies charge click here to start a free quote.

The single downside to using this type of system is you cannot specify which carriers to receive prices from. So if you prefer to choose individual companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. Click to view list.

How you compare quotes is your choice, just make absolute certain that you use equivalent coverage limits and deductibles on every quote. If you are comparing different limits and deductibles on each one you will not be able to truly determine the lowest rate.

Don’t overlook these nine insurance discounts

Companies offering auto insurance don’t always publicize every disount available very well, so we break down some of the more common and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • Early Switch Discount – A few insurance companies give discounts for buying a new policy prior to your current policy expiration. You may see this discount when you get auto insurance quotes online.
  • Own a Home and Save – Owning a home may trigger a policy discount on insurance since owning and maintaining a home is proof of financial responsibility.
  • Student Discounts – Excelling in school could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
  • Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks with the same insurance company can get a discount on all vehicles.
  • Discounts for Good Drivers – Accident-free drivers could pay up to 40% less on Prelude insurance than drivers with accidents.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft so companies will give you a small discount.
  • Claim-Free Discount – Claim-free drivers pay much less as compared to frequent claim filers.
  • Discounts for New Vehicles – Buying a new car model is cheaper compared to insuring an older model.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use a seat belt could save 15% off the personal injury premium cost.

We need to note that most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears adding up those discounts means a free policy, companies don’t profit that way.

A few companies that may include these money-saving discounts include:

If you want low cost auto insurance quotes, ask each company what discounts are available to you. Discounts may not be available everywhere. If you would like to view insurers with discount rates, click this link.

When to get professional advice

When buying adequate coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if you may require specific advice.

  • Do I need added coverage for expensive stereo equipment?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if I break a side mirror?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my teenager covered with friends in the car?
  • Do I need replacement cost coverage on my 2000 Honda Prelude?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving in Canada or Mexico?
  • Are my tools covered if they get stolen from my vehicle?
  • What if I total my 2000 Honda Prelude and owe more than it’s worth?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, attorney fees, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed, damage from flooding and falling objects. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision coverage covers damage to your Prelude resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, backing into a parked car, sideswiping another vehicle, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2000 Honda Prelude.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like pain medications, rehabilitation expenses, surgery, X-ray expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

We just presented a lot of tips how to get a better price on 2000 Honda Prelude insurance. It’s most important to understand that the more you quote auto insurance, the higher your chance of finding inexpensive auto insurance. Drivers may discover the biggest savings come from the least-expected company.

Insureds leave their current company for many reasons like questionable increases in premium, poor customer service, delays in paying claims or not issuing a premium refund. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

Lower-priced car insurance is possible online in addition to local insurance agencies, so you need to quote auto insurance with both in order to have the best chance of saving money. Some car insurance companies may not provide price quotes online and usually these small, regional companies prefer to sell through local independent agents.

For more information, link through to the resources below:

Comments About 2000 Honda Prelude Insurance

  1. Jane Wise

    I can’t pay high rates. From a town just southwest of Detroit, Michigan. Went online for free insurance quotes for a 2000 Honda Prelude. Ended up at about $80 savings annually. Went with 21st Century. Was with Nationwide. I just quoted rates online. I think I’ll get rid of full coverage next time.

  2. Robin Lyons

    Will 21st Century give a discount for driver training?

  3. Bethel Douglas

    I live on the east side of Las Vegas, NV. Received quotes from Amica, Safeco, and a few others for my Prelude and saved around $90 a year. It’s still not cheap enough. I’m thinking about dropping full coverage though.

  4. Lou Jensen

    I got a good deal I think. I live just outside New Orleans, Louisiana. I got free quotes with Progressive, AAA, and some I forget for my Prelude and I’m now saving $12 a month. Insured with Esurance before.

  5. Lavern Stephenson

    I went with GEICO at renewal. Best rates in Cleveland, Ohio. Was with GMAC. Even increased coverage a bit. Wish I didn’t have to insure at all.

  6. Harry Juarez

    Need cheaper insurance rates for my teenage driver in Tampa, Florida!!

  7. Bronwyn Rivers

    I got quite a few price quotes for a 2000 Honda Prelude in Owensboro, KY. Ended up at roughly $100 every six months with Auto-Owners. Good multi-policy discounts. They were helpful in switching over.