Cheap 1996 Honda Prelude Insurance Quotes

Looking for the cheapest auto insurance rates for your Honda Prelude? Comparing and finding cheaper prices for auto insurance could be very difficult for drivers new to quoting coverage rates online. Drivers have so many agents and companies to choose from that it can quickly become a difficult situation to find the best prices.

You should make it a habit to price shop coverage quite often because rates are usually higher with each renewal. Just because you found the best deal on Prelude insurance at your last renewal there may be better deals available now. Block out anything you think you know about auto insurance because it’s time to teach you the easiest way to find lower rates on auto insurance.

Shopping for affordable insurance coverage can be fairly easy. Just about everyone who shops for insurance will be able to find lower rates. But car owners do need to learn the way insurance companies determine prices because it can help you find the best coverage.

How to buy auto insurance online

Most larger insurance companies such as Allstate and Progressive allow consumers to get insurance quotes on the web. Comparing prices online is possible for anyone because you just enter your coverage information into a form. Upon sending the form, their system automatically retrieves credit information and your driving record and returns a price based on these and other factors.

Quoting online simplifies rate comparisons, but having to visit many different websites and complete many quote forms is a waste of time. But it is imperative to do this if you are searching for lower prices.

Quote rates the easy way

The preferred way to get multiple rate quotes makes use of a single form that analyzes rates from more than one company. It saves time, requires much less work on your part, and makes quoting online much more enjoyable. After sending your information, it is rated with multiple companies and you can pick your choice of the resulting price quotes.

If you find a better price it’s easy to complete the application and purchase coverage. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out how much you can save on auto insurance, click here to open in new window and enter your information. If you currently have coverage, we recommend you copy your coverages as close as possible to your current policy. Using the same limits helps guarantee you’re receiving a price comparison using the same coverage and limits.

Insurance agents can help

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs will benefit from professional help.

  • How much underlying liability do I need for an umbrella policy?
  • What is the rate difference between pleasure use and commuting?
  • Does my 1996 Honda Prelude qualify for pleasure use?
  • Which is better, split liability limits or combined limits?
  • What is the difference between comprehensive and collision coverage?
  • How much can I save by bundling my policies?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverages for a Honda Prelude

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage protection

This covers damage to your Prelude resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, crashing into a ditch, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses like prosthetic devices, EMT expenses, pain medications and ambulance fees. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, a tree branch falling on your vehicle, theft and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as loss of income, funeral expenses, pain and suffering and legal defense fees. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.