Cheapest 1996 Honda Prelude Insurance Rates in 2023
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UPDATED: Mar 24, 2020
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Trying to find lower car insurance rates for your Honda Prelude? Searching for low-cost insurance for a new or used Honda Prelude could be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to buy car insurance so we’re going to tell you the best way to compare rates on a Honda and locate the lowest price either online or from local insurance agents.
Cheap Car Insurance Comparisons
All the larger car insurance companies like Allstate, GEICO and Progressive allow you to get price estimates on the web. Getting online quotes is pretty painless as you simply type in your coverage information as detailed in the form. Once you submit the form, their system will order information on your driving record and credit history and returns pricing information.
This simplifies rate comparisons, but the process of having to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s very important to get many rate quotes in order to find lower prices.
There is an easier way!
The preferred way to get multiple rate quotes requires only one form to obtain quotes from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much easier to do. After sending the form, it is rated and you are able to buy your choice of the resulting price quotes. If you find a better price you can simply submit the application and buy the new coverage. The entire process can be completed in less than 10 minutes and can result in significant savings.
To find out if lower rates are available, click here and fill out the form. If you have your current policy handy, we recommend you copy deductibles and limits exactly as shown on your declarations page. Doing this guarantees you will be getting rate quotes for similar coverage.
Do you really save 40% when you switch?
Drivers get pounded daily by advertisements for car insurance savings by Allstate, GEICO and Progressive. All the ads make an identical promise that you’ll save big if you change to their company.
How does each company say the same thing?
Different companies have a preferred profile for the type of driver that makes them money. An example of a preferred risk could possibly be over the age of 40, has no driving citations, and has a short commute. Any new insured who matches those parameters will get the preferred rates and as a result will probably save quite a bit of money when switching.
Potential customers who do not match the requirements must pay higher rates and this can result in business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save money. This is how companies can truthfully advertise the way they do. This illustrates why it is so important to get a wide range of price quotes. It’s not possible to predict which company will fit your personal profile best.
Some factors that can determine what Honda Prelude insurance costs
An important part of buying insurance is that you know the factors that help determine your insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in lower insurance prices.
- Do you have enough liability coverage? – Liability coverage is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
- Little extras can really add up – There are a lot of additional coverages that you can get tricked into buying if you aren’t careful. Insurance for personal injury protection, accidental death and additional equipment coverage are some examples. These may sound like a good investment initially, but now you might not need them so eliminate the coverages to reduce your premium.
- Keep rates low by being claim-free – Companies give lower rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for larger claims.
- Your location is important – Being located in small towns and rural areas can save you money when insuring your vehicles. Less people living in that area means fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities regularly have traffic congestion and longer commute times. Higher commute times translates into higher accident risk.
- Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. Safer cars reduce injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Honda has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Save with discounts on Honda Prelude insurance
Companies don’t necessarily list all their discounts very clearly, so we researched some of the more common and the more hidden ways to save on insurance. If you’re not getting every credit available, you are throwing money away.
- Air Bag Discount – Cars that have air bags may earn rate discounts up to 30%.
- No Charge for an Accident – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- Low Mileage Discounts – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
- New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
- Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
- Good Students Pay Less – This discount can save 20 to 25%. The discount lasts until age 25.
- Service Members Pay Less – Having a deployed family member can result in better rates.
It’s important to understand that many deductions do not apply the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, insurance companies aren’t that generous.
To see a list of insurers who offer insurance discounts, click here.
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Tailor your coverage to you
When buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.
- What can I do if my company won’t pay a claim?
- Where can I find DUI or SR-22 insurance?
- Are rental cars covered under my policy?
- Am I getting all the discounts available?
- How do I file an SR-22 for a DUI in my state?
- When should I not file a claim?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Can I drive in Mexico and have coverage?
- Is rental equipment covered for theft or damage?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.
Specific coverage details
Learning about specific coverages of insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Coverage for medical payments
Med pay and PIP coverage pay for short-term medical expenses for nursing services, doctor visits, ambulance fees, dental work and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible
Auto collision coverage
Collision insurance pays for damage to your Prelude caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims like damaging your car on a curb, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.
Coverage for liability
Liability insurance protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability insurance covers things like court costs, bail bonds and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Uninsured and underinsured coverage
Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 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 is important protection for you and your family.
This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like vandalism, rock chips in glass, damage from getting keyed and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Make an honest buck
We just covered quite a bit of information on how to save on 1996 Honda Prelude insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a small local company.
Insureds who switch companies do it for any number of reasons including policy non-renewal, poor customer service, being labeled a high risk driver and an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching insurance companies is not as hard as you think.
When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. In many cases, someone dropped uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your goal should be to find the BEST coverage at an affordable rate while still protecting your assets.
For more information, feel free to visit the resources below:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Think You’re a Safe Driver? (State Farm)
- Medical Payments Coverage (Liberty Mutual)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- What is Full Coverage? (Allstate)
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