1991 Honda Prelude Car Insurance Quotes – 8 Ways to Save

Searching for better auto insurance rates for your Honda Prelude? Scraping up a payment for overpriced Honda Prelude insurance can take a big chunk out of your savings account, especially in this economy. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. You have so many auto insurance companies to choose from, and although it’s a good thing to have a selection, lots of choices makes it harder to get the best deal.

It’s a good idea to price shop coverage quite often since rates tend to go up over time. Even if you got the lowest price on Prelude coverage on your last policy you may be paying too much now. There is a lot of bad information regarding auto insurance online, so we’re going to give you some of the best ways to reduce your auto insurance bill.

Buying car insurance is not that difficult. If you have a policy now or need new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Vehicle owners just need to learn the best way to get comparison quotes online.

How to Compare Auto Insurance Costs

Reducing your 1991 Honda Prelude insurance rates can be quick and easy. The only thing you need to do is invest a little time comparing price quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. Probably the best way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating a different quote for each company you want a rate for. One quote request will get you rate comparisons from many national carriers.
  2. A different way to get comparison quotes requires visiting the website for every company you want to comare to request a price quote. For sake of this example, let’s assume you want to compare rates from Auto-Owners, Farmers and Allstate. To get each rate you have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but be sure to compare the exact same coverage information with each company. If your comparisons have different limits and deductibles on each one it’s impossible to truly determine the lowest rate.

Lots of discounts mean lots of savings

Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Sign Online – Some insurance companies may give you up to $50 just for signing your application online.
  • Low Mileage Discounts – Keeping the miles down on your Honda could be rewarded with better rates on cars that stay parked.
  • Drivers Education – Require your teen driver to take driver’s ed class in high school.
  • Claim Free – Claim-free drivers pay less when compared with bad drivers.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Prelude coverage than less cautious drivers.
  • Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates on your policy on Prelude coverage.

It’s important to note that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

A partial list of companies that may have these discounts are:

Double check with each company how you can save money. Savings may not apply in every state.

Situations that might require an agent

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help highlight if your situation could use an agent’s help.

  • What is high-risk coverage and where do I buy it?
  • Am I covered by my spouse’s policy after a separation?
  • Should I have a commercial auto policy?
  • How do I insure my teen driver?
  • If my 1991 Honda Prelude is totaled, can I afford another vehicle?
  • Is pleasure use cheaper than using my 1991 Honda Prelude to commute?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Medical expense insurance – Med pay and PIP coverage reimburse you for immediate expenses for EMT expenses, surgery and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability coverages – This coverage can cover damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, loss of income and attorney fees. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, hitting a deer, a broken windshield and hail damage. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Prelude.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Buy Smart and Save

Cost effective 1991 Honda Prelude insurance is available both online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

We’ve covered many ways to lower your insurance rates. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies. These companies may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.

While you’re price shopping online, never sacrifice coverage to reduce premiums. In many instances, someone sacrificed uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Additional detailed information can be found in these articles: