1993 Honda Prelude Insurance Quotes

Searching for cheaper auto insurance rates for your Honda Prelude? Nobody that owns a car likes buying auto insurance, particularly when they could find better rates elsewhere. Companies like Progressive, GEICO and Farmers Insurance continually bombard you with ads and it can be hard to sift through the bull and find the best price available.

It is always a good idea to price shop coverage on a regular basis due to the fact that insurance prices change regularly. Just because you had the best rate for Prelude coverage a year ago you can probably find a better premium rate now. Ignore everything you know about auto insurance because we’re going to demonstrate the fastest and easiest way to buy cheaper auto insurance.

First Step: Get free insurance quotes

Finding a better price on insurance is not a difficult process. All you need to do is take a couple of minutes to compare rate quotes to find the company with inexpensive insurance quotes. It’s really simple and can be done by using one of the methods below.

The most efficient way to get quotes for comparison is a comparison rater form click to view form in new window. This method saves time by eliminating a different quote to each individual insurance company. One form gets coverage cost estimates instantly.

A harder way to analyze rates requires a visit to the website for every company you want to comare and fill out a new quote form. For examples sake, let’s say you want to compare prices for GEICO, Liberty Mutual and Allstate. In order to compare rates, you need to navigate to each company’s site and repeatedly type in your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

If you have time to kill, the last method to compare price estimates is going to all the different insurance agencies. The ability to get quotes online makes this unnecessary unless you want the peace of mind of a local agency. If you prefer, some companies allow you to compare online quotes but still have the advice of a local agent.

You can use whichever method you prefer to find lower rates, just make sure you use nearly identical coverage limits and deductibles for every quote you compare. If the quotes have different values for each quote you will not be able to decipher which rate is best.

Tailor your insurance coverage coverage to you

When buying coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you might need an agent’s assistance.

  • Is extra glass coverage worth it?
  • Am I covered by my spouse’s policy after a separation?
  • Is a new car covered when I drive it off the dealer lot?
  • Does liability extend to a camper or trailer?
  • I have health insurance so do I need medical payments coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Parts of your insurance policy

Having a good grasp of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, fire damage, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like rolling your car, colliding with a tree, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability auto insurance

This will cover damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like medical expenses, bail bonds, structural damage, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Prelude.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like ambulance fees, nursing services and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible