2000 Honda Prelude Car Insurance Quotes – 5 Tips for Best Rates

Searching for better insurance rates for your Honda Prelude? Having to pay for expensive Honda Prelude insurance can bottom out your personal savings, especially in this economy. Shopping your coverage around is an excellent way to lower your bills every month.

Due to the fact that there are so many choices, it’s nearly impossible to locate the lowest price insurer.

It is always a good idea to shop coverage around every six months due to the fact that insurance prices fluctuate regularly. If you had the lowest price for Prelude insurance a couple years back you can probably find a better rate quote now. Forget all the misinformation about insurance because you’re about to learn the tricks you need to know to find the best coverage while lowering your premiums.

Finding the best rates is not that difficult. If you have a policy now or need a new policy, you can use these tips to find the best rates and possibly find even better coverage. Drivers just need to know the proper way to find the lowest price on the web.

Where can I get cheap insurance?

Finding cheaper 2000 Honda Prelude insurance quotes doesn’t have to be difficult. Consumers just need to spend a little time comparing price quotes online with multiple companies. This can easily be done using a couple different methods.

The most efficient way to find low rates is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating repetitive form submissions for every company. In just a few minutes this one form gets rate comparisons instantly.

A harder way to analyze rates requires visiting each company website to complete their respective quote request forms. For sake of this example, let’s say you want rates from Allstate, Esurance and State Farm. To get each rate you have to visit each site to input your insurance information, which can get old fast.

To view a list of companies in your area, click here.

It’s up to you which method you use, but be sure to compare exactly the same information for every company. If you enter higher or lower deductibles you will not be able to find the best deal for your Honda Prelude.

Car insurance companies are expert advertisers

Consumers get pounded daily by advertisements that claim the lowest premium rates from the likes of State Farm and Allstate. They all seem to make the promise that people will save if you just switch your policy.

That’s great but how can every company make almost identical claims? It’s all in the wording.

All companies look for specific characteristics for the type of customer that will most likely be profitable. One example of a preferred risk may need to be a married female, has never had a claim, and drives less than 5,000 miles a year. Any new insured that hits that “sweet spot” will most likely get cheap premium rates and most likely will save quite a bit of money when switching.

Drivers who do not match the “perfect” profile will probably be forced to pay a higher premium which results in the customer buying from a different company. The trick companies use is to say “drivers that switch” not “everyone that quotes” save that much money. This is how insurance companies can make claims that they all have the best rates. Because of these techniques, you should get as many free car insurance quotes as possible. It is just not possible to predict which insurance companies will have the lowest rate quotes.

Insurance Coverage Discounts

Companies don’t always list the complete list of policy discounts very clearly, so the list below gives a summary of some of the best known and also the lesser-known credits available to lower your premiums when you buy car insurance online.

  • Low Mileage – Maintaining low annual mileage can qualify you for better rates on cars that stay parked.
  • Defensive Driver Discount – Taking part in a course that instructs on driving safety could save 5% or more and make you a better driver.
  • No Claims – Good drivers with no accidents can earn big discounts in comparison to bad drivers.
  • Discounts for Federal Employees – Employees or retirees of the government may qualify for a discount when you quote car insurance for Prelude insurance depending on your company.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.

Remember that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

A few of the larger companies and their offered discounts are included below.

  • GEICO policyholders can earn discounts including daytime running lights, multi-vehicle, membership and employees, air bags, defensive driver, and driver training.
  • SAFECO may offer discounts for teen safety rewards, bundle discounts, accident prevention training, anti-lock brakes, anti-theft, homeowner, and teen safe driver.
  • State Farm has discounts for accident-free, good driver, student away at school, Drive Safe & Save, Steer Clear safe driver discount, and anti-theft.
  • MetLife has savings for claim-free, good driver, accident-free, multi-policy, defensive driver, and good student.
  • 21st Century offers discounts including homeowners, good student, theft prevention, air bags, driver training, defensive driver, and automatic seat belts.
  • Progressive discounts include online signing, good student, multi-policy, online quote discount, and multi-vehicle.

When quoting, ask all companies you are considering which discounts you qualify for. Savings might not apply in every state. If you would like to view insurance coverage companies that offer multiple discounts, click this link.

Tailor your insurance coverage coverage to you

When buying coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • How do I buy GAP insurance?
  • What happens if I owe more than my 2000 Honda Prelude is worth?
  • Does medical payments coverage apply to all occupants?
  • Why do I need rental car insurance?
  • How much liability coverage do I need in my state?
  • At what point should I drop full coverage?
  • Should I sign the liability waiver when renting a car?
  • Is a new car covered when I drive it off the dealer lot?
  • If my 2000 Honda Prelude is totaled, can I afford another vehicle?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Coverages available on your car insurance policy

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from car insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for prosthetic devices, X-ray expenses and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage will pay to fix damage to your Prelude resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, scraping a guard rail, colliding with a tree, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Liability coverages

Liability insurance will cover damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Honda Prelude.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto coverage

This 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 insurance covers claims like damage from a tornado or hurricane, fire damage and theft. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage on a shoestring budget

We’ve covered a lot of techniques to reduce 2000 Honda Prelude insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the best price on insurance coverage is with some of the lesser-known companies. These companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.

When you buy car insurance online, never buy less coverage just to save a little money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your goal is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

More tips and info about insurance coverage is available in the articles below: