Compare 1993 Honda Prelude Car Insurance Quotes

Finding low-cost insurance for a new or used Honda Prelude can normally be a lot of work, but you can use these tips to save time. There is a better way to compare auto insurance rates and we’ll show you the absolute fastest way to compare rates for a Honda and locate the best price possible from local insurance agents and online providers.

If you have a current insurance policy or need a new policy, you can use these techniques to cut your premiums and possibly find even better coverage. Locating cheaper protection is not that difficult. Drivers just need to understand the best way to buy insurance online.

Save money by taking advantage of these discounts

Companies offering auto insurance do not advertise all their discounts very clearly, so we took the time to find some of the more common and also the lesser-known insurance savings. If you’re not getting every credit available, you’re paying more than you need to.

  • Clubs and Organizations – Being a member of a professional or civic organization is a good way to get lower rates on your policy on Prelude coverage.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Homeowners Savings – Owning a home can help you save on insurance because owning a home shows financial diligence.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Prelude coverage with certain companies.

Drivers should understand that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of companies who offer insurance discounts, follow this link.

Honda Prelude rate determination is complex

Smart consumers have a good feel for some of the elements that play a part in calculating your car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

  • Men pay higher rates – The statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Women and men tend to get into accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as DWI and reckless driving.
  • Older drivers save more – Teenage drivers tend to be careless and easily distracted when driving so car insurance rates are higher. If you’ve ever had to add a teen driver onto your car insurance can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel.
  • Never go without insurance – Driving with no insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage lapse. Not only will rates go up, getting caught without coverage might get you a license revocation or jail time.
  • Do you know your deductibles? – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Honda. Some instances where coverage would apply could be a windshield shattered by a rock, collision with an animal, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be on Prelude coverage.
  • Add-on coverages can add up – There are a lot of extra coverages that you can get tricked into buying on your car insurance policy. Coverages like roadside assistance, accidental death and term life insurance may be wasting your money. These coverages may sound good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Rates may be lower depending on your job – Careers like judges, social workers and financial analysts are shown to have higher average rates because of stressful work requirements and lengthy work days. Conversely, occupations like actors, engineers and the unemployed pay the least on Prelude coverage.
  • Where you reside plays a part – Choosing to live in small towns and rural areas has it’s advantages when talking about car insurance. Drivers who live in large cities have to deal with congested traffic and longer commutes to work. Lower population means a lower chance of having an accident and a lower car theft rate.

When should I use an insurance agent?

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique.

For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Am I getting all the discounts available?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • Why is insurance for a teen driver so high?
  • When can my company non-renew my policy?
  • Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but one or more may apply to you, you might consider 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 you can get the answers you need.

Detailed coverages of your insurance policy

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, fire damage and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, funeral expenses, pain and suffering, medical expenses and court costs. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like doctor visits, chiropractic care, ambulance fees and funeral costs. They can be 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 any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1993 Honda Prelude.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision protection

Collision insurance covers damage to your Prelude from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Knowledge is power

People who switch companies do it for a variety of reasons including delays in responding to claim requests, questionable increases in premium, not issuing a premium refund or even poor customer service. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

Cost effective 1993 Honda Prelude insurance can be sourced on the web and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. Too many times, an insured cut liability limits or collision coverage to discover at claim time that it was a big mistake. Your focus should be to purchase a proper amount of coverage at the best price while still protecting your assets.

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