Honda Prelude Insurance in Nevada – 5 Tricks to Better Rates

Nevada consumers have many options when looking for low-cost Honda Prelude insurance. They can either waste time struggling with agents to compare prices or utilize the internet to compare rates.

There is a right way and a wrong way to compare car insurance rates so you’re going to learn the best way to quote coverages on a Honda and obtain the best price possible.

If you are insured now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. This information will help educate you on how car insurance quotes work and some money-saving tips. Nevada drivers just need to know the most effective way to compare rates online.

Do you qualify for these 5 discounts?

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically when you purchase, but a few must be manually applied in order for you to get them. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Government Employees – Employees or retirees of the government may qualify you for a discount on Prelude coverage with certain companies.
  • No Accidents – Claim-free drivers pay less when compared to frequent claim filers.
  • Drive Less and Save – Fewer annual miles on your Honda could qualify for better rates on cars that stay parked.
  • Distant Student – Youth drivers who are attending college and don’t have a car can receive lower rates.
  • Accident Waiver – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims for a set time period.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous. Any amount of discount will help reduce the cost of coverage.

To choose insurance companies with the best car insurance discounts in Nevada, click this link.

Quote online but work with a neighborhood agent

A small number of people would prefer to get advice from a local agent and that is just fine! Professional agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of getting online price quotes is you can get the lowest rates and still choose a local agent. Supporting local insurance agencies is important especially in small towns and cities.

Once you complete this quick form, the quote information is instantly submitted to agents in your area who will return price quotes for your coverage. There is no reason to drive around due to the fact that quote results will go straight to your inbox. Now that’s easy!

The difference between Nevada insurance agencies

When researching a reliable agent, there are two types of insurance agents that you can select. Insurance agencies in Nevada are classified as either independent (non-captive) or captive. Both types can do a good job, but it’s worth learning how they differ because it can influence the type of agent you choose

Independent Agencies or Brokers

Independent agents are not locked into one company but rather can write business with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency.

When shopping rates, it’s recommended you contact at least one independent agent to ensure the widest selection of prices. Most have the option of insuring with lesser-known insurance companies which can save you money.

Captive Insurance Agents

Captive agents write business for a single company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot give you multiple price quotes so they have to upsell other benefits. These agents receive extensive training on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes choose to use a captive agent mainly due to the brand legacy and solid financial strength.

For a full directory of Nevada agencies, view this site.

Choosing an auto insurance agent requires more thought than just a cheap price. Ask your prospective agent these questions:Nevada insurance cheap

  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • How are they compensated?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Are they able to influence company decisions when a claim is filed?
  • Which insurance companies are they affiliated with?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Does the agency have a good rating with the Better Business Bureau?
  • Will your rates increase after a single accident?

Once you have positive feedback to these questions and a low price estimate, chances are good that you have found a car insurance agent that will adequately provide car insurance.

More information can be found on the Nevada Division of Insurance website found here. Nevada consumers can file complaints about an insurance agent or broker, file complaints about a company, learn about insurance regulations, and find a variety of consumer forms.

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The coverage is in the details

Understanding the coverages of car insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision insurance

Collision insurance will pay to fix damage to your Prelude from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include 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 (15/30/10 in Nevada), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance pays for 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 coverage pays for things like theft, vandalism, a broken windshield and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like funeral costs, ambulance fees and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible


This can cover damage that occurs to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for $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. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like pain and suffering, emergency aid, repair costs for stationary objects, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy better liability coverage.

Shop smart and save

As you restructure your insurance plan, you should never reduce coverage to reduce premium. In too many instances, someone sacrificed collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at an affordable rate while still protecting your assets.

Insureds switch companies for many reasons like not issuing a premium refund, policy cancellation, lack of trust in their agent or delays in responding to claim requests. It doesn’t matter why you want to switch finding a new company is actually quite simple.

Cost effective Honda Prelude insurance is available on the web and with local Nevada insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.