Cheap 1998 Honda Prelude Insurance Quotes

I can’t think of a single person who likes paying for insurance, particularly when they could find better prices if they shop around.

Vehicle owners have many car insurance companies to pick from, and even though it’s nice to have multiple companies, having more insurance companies makes it harder to compare rates.

Insurance coverage policy discounts you can’t miss

Car insurance companies do not advertise the complete list of policy discounts very clearly, so the below list has some of the more common as well as the least known credits available to bring down your rates.

  • Early Renewal Discounts – Some insurance coverage companies give discounts for renewing your policy before your current expiration date. It can save you around 10%.
  • Discount for Passive Restraints – Factory options such as air bags or automatic seat belts could see savings up to 30%.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a auto insurance quote.
  • Discounts for Responsible Drivers – Safe drivers may save up to 50% more on Prelude insurance than drivers with accidents.
  • Professional Organizations – Participating in a qualifying organization could qualify you for a break on your bill.

Just know that most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few companies that may offer policyholders some of the above discounts are:

If you want inexpensive auto insurance quotes, ask every company to apply every possible discount. Some discounts listed above may not apply to policyholders in your state.

Affordable car insurance

Most major insurance companies such as Allstate, GEICO and Progressive allow consumers to get price estimates from their websites. Comparing rates online is pretty painless because you just enter your required coverages into the form. After you complete the form, the quote system makes automated requests for information on your driving record and credit history and generates a price. Quoting online makes it a lot easier to compare rates but the time it takes to visit multiple sites and type in the same data gets old quite quickly. But it’s necessary to perform this step in order to get lower prices.

The easiest way to find better car insurance pricing makes use of a single form to return rates from multiple companies. This type of form saves time, eliminates form submissions, and makes online quotes much more enjoyable. After your information is entered, it is rated and you are able to buy any or none of the pricing results.

If a lower price is quoted, it’s easy to complete the application and buy the policy. This process only takes a few minutes and you’ll know if lower rates are available.

To use this form to compare rates, click here and enter your information. If you have coverage now, it’s recommended you complete the form with deductibles and limits exactly as shown on your declarations page. Doing this assures you will be getting a price comparison using the same coverage and limits.

Insurance agents can help

When it comes to choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • What is PIP insurance?
  • Is my teenager covered with friends in the car?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Is my camper covered by my car insurance policy?
  • How does medical payments coverage work?
  • Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

The coverage is in the details

Having a good grasp of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability car insurance

This can cover damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as loss of income, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, damage from flooding, a broken windshield, hitting a bird and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses such as doctor visits, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Feed the piggy bank

Budget-conscious 1998 Honda Prelude insurance can be sourced both online as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not offer rate quotes online and these smaller companies sell through independent agents.

You just learned many tips how you can lower your 1998 Honda Prelude insurance prices. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

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