How to Uncover the Lowest Price When Insuring Your Honda Prelude

Searching for low-cost insurance for your Honda Prelude can be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates.

There are more efficient ways to compare auto insurance rates so we’re going to tell you the best way to compare rates for your Honda and find the cheapest rates from both online companies and local agents.

You should take the time to take a look at other company’s rates on a regular basis because rates change quite often. Even if you got the lowest price for Prelude coverage six months ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to find out how to quote online to find great coverage at a great price.

Low Cost Auto Insurance

Most companies allow you to get prices online. The process is fairly straightforward as you simply type in your coverage preferences as detailed in the form. When the form is submitted, the system makes automated requests for your credit score and driving record and returns a price quote based on these and other factors.

Quoting online makes comparing rates easy, but the time it takes to visit different websites and type in the same information is monotonous and tiresome. But it’s very important to do this if you want to find better auto insurance pricing.

The easy way to compare rates

The easiest way to locate the lowest prices uses one simple form to obtain quotes from several companies at one time. This type of form saves time, eliminates form submissions, and makes rate comparisons a lot less work. As soon as you send your information, it is rated with multiple companies and you can pick any of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. This process takes less than 15 minutes and may result in a nice savings.

To save time and find out what other companies charge, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you complete the form with the coverages just like they are on your policy. This makes sure you will be getting a rate comparison using the exact same coverages.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specifically requested before you get the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

• E-sign – Certain companies will give a small break for buying your policy over the internet.
• Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiration. The savings is around 10%.
• Seat Belts Save – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
• Low Mileage Discounts – Keeping the miles down on your Honda could be rewarded with lower rates on the low mileage vehicles.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
• One Accident Forgiven – A few companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, you won’t be that lucky. But any discount will help reduce your premiums.

But buying car insurance online seems impersonal

Certain consumers would rather sit down with an agent. Licensed agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of comparing insurance prices online is you can get lower rates and still have an agent to talk to. Supporting local agencies is important especially in smaller rural communities.

To find an agent, once you fill out this short form, your coverage information is transmitted to local insurance agents who will battle for your coverage. There is no reason to even leave your home as quotes are delivered straight to your inbox. How cool is that?!

The different types of insurance agents

When finding a good insurance agency, you must know there are a couple different types of agents that you can select. agents are either captive or independent (non-captive). Both types can do a good job, but it’s good to learn how they are different since it may influence the type of agent you choose

Independent Agencies or Brokers

These agents are not employed by any specific company so they have the ability to put coverage amongst many companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. When comparing rates, it’s a good idea to contact several independent insurance agents to get the best comparison.Many can place coverage with different regional companies which can be an advantage.

Captive Insurance Agents

This type of agents write business for a single company and examples are State Farm, AAA and Liberty Mutual. They generally cannot compare other company’s rates so they have to upsell other benefits. They are trained well on their products and sales techniques which can be an advantage. Some people will only choose to use a captive agent partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

To view a full list of agents, visit this page.

Selecting an insurance agency shouldn’t rely on just the bottom line cost. These questions are important to ask:

• Do they make recommendations based only on price?
• Are they properly licensed to sell insurance in your state?
• Will their companies depreciate repairs to your car based on the mileage?
• Do they carry Errors and Omissions coverage?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Is vehicle damage repaired with OEM or aftermarket parts?
• How long have they worked with personal auto insurance coverage?
• Are there any discounts that you might be missing?

After getting positive feedback to any questions you have and locked in a price quote, chances are good that you have found an auto insurance agent that can insure your vehicles.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.

• Do I need higher deductibles?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I file a claim if it’s only slightly more than my deductible?
• What discounts do I qualify for?
• When does my teenage driver need to be added to my policy?
• Do I have coverage when making deliveries for my home business?
• Are all vehicle passengers covered by medical payments coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What if I total my Honda Prelude and owe more than it’s worth?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

A tidy conclusion

In this article, we covered a lot of tips how to reduce Honda Prelude insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from the smaller companies.

Low-cost Honda Prelude insurance is available online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

Drivers change insurance companies for a number of reasons such as lack of trust in their agent, poor customer service, policy non-renewal or even high prices. Regardless of your reason, finding a new company is actually quite simple.