1999 Honda Prelude Car Insurance Rates – 9 Ways to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 24, 2020

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Sick and tired of scraping the payment together to pay your car insurance bill each month? You are in the same boat as many other drivers. Companies like GEICO, 21st Century and Progressive all claim big savings, bombarding you with advertising and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Smart consumers take time to get comparison quotes on a regular basis because prices are usually higher with each renewal. Even if you think you had the best rates on Prelude insurance a few years ago you will most likely find a better rate today. There is a lot of bad information regarding insurance on the web, but by reading this article, you’re going to learn some of the best ways to reduce your insurance bill.

How to Compare Insurance

There are several ways to shop for Honda Prelude insurance, and some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use the web to achieve your goal.

All the larger companies participate in an industry program that allows shoppers to submit one quote, and each participating company then gives them pricing based on that information. This eliminates the need for repetitive form submissions to each individual insurance company. To submit your quote information now, click to open in new window.

The only downside to getting quotes like this is you cannot specify which companies you want to price. If you would rather choose specific providers to compare rates, we have a page of low cost insurance companies in your area. Click to view list.

Whichever method you choose, ensure you’re using exactly the same coverage information with each company. If each company quotes unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Honda Prelude.

Are you getting all your discounts?

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Certain discounts will be applied when you purchase, but a few need to be specifically requested prior to getting the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Driver Safety – Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • College Student – Any of your kids who are attending college and don’t have a car can receive lower rates.
  • Student Driver Training – Require your teen driver to complete a driver education course if offered at their school.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Honda could be rewarded with a substantially lower rate.
  • Homeowners Savings – Owning a house can save you money because owning a home requires personal responsibility.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a discount up to 10% on Prelude insurance.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Clubs and Organizations – Being a member of a qualifying organization could qualify you for a break on car insurance on Prelude insurance.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will reduce your overall premium however.

For a list of companies with discount car insurance rates, follow this link.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For example, these questions could help you determine whether your personal situation may require specific advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is medical payments coverage?
  • How much can I save by bundling my policies?
  • Does car insurance cover theft of personal property?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have coverage when pulling a U-Haul trailer?

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If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance coverage information

Having a good grasp of insurance helps when choosing the right coverages and the correct deductibles and 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.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, colliding with a tree, scraping a guard rail, driving through your garage door and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This coverage gives you protection when the “other guys” 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.

Since a lot of 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. Normally these coverages are similar to your liability insurance amounts.

Liability – This coverage provides protection from injuries or damage you cause to other people or property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, emergency aid, court costs, structural damage and medical services. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage kick in for short-term medical expenses for ambulance fees, nursing services and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, damage from a tornado or hurricane, vandalism and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Use our FREE quote tool to compare rates now!

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