Save on 1997 Honda Prelude Insurance Quotes

Want lower insurance coverage rates for your Honda Prelude? Trying to find low-cost insurance for a Honda Prelude can be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to find insurance coverage online and you need to know the proper way to compare rates for a Honda and obtain the best price possible.

How to lower your auto insurance cost

The majority of larger companies such as Progressive, Allstate and GEICO provide prices for coverage on the web. The process is quite easy as you simply enter the coverages you want into a form. Behind the scenes, the system automatically orders your credit score and driving record and quotes a price determined by many factors.

This makes it simple to compare prices but the work required to visit different websites and enter the same data into a form is a big time waster. But it’s very important to do this if you want to get the lowest possible prices on auto insurance.

The easy way to compare rates

The quickest way to find lower prices is to use a quote form that gets prices from several companies at one time. This type of form saves time, requires much less work on your part, and makes online price comparison much easier. Once the form is submitted, it is rated and you can select your choice of the quotes returned.

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

To quickly find out how much you’re overpaying now, click here and complete the simple form. To compare your current rates, we recommend you replicate the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will have a price comparison based on identical coverages.

Which is the best insurance coverage?

When it comes to choosing coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions might point out whether your personal situation might need professional guidance.

• Will my insurance pay for OEM parts?
• Do all my vehicles need collision coverage?
• Do I need rental car coverage?
• Is my 1997 Honda Prelude covered for flood damage?
• When should I buy a commercial auto policy?
• Which companies will insure high-risk drivers?
• Will I lose any money if I cancel my policy before it expires?
• How much liability do I need to cover my assets?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Information about specific coverages

Understanding the coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability auto insurance – Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like bail bonds, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, falling objects, a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Honda Prelude.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as prosthetic devices, dental work, pain medications and EMT expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage – This coverage will pay to fix damage to your Prelude resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, sustaining damage from a pot hole, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.