Insurance

does anyone know about how much insurance on a 95 prelude would be for me?Im a 16yr old male in a minnesota suburb, with a clean record no tickets or any of that bs so yea

I cant give you an exact cost but can tell you that it wont be cheap due to your age and it being a sports car. If its red it will make a difference. Being a male will make it higher. Try calling progresive. they seem to be pretty cheap

haha 16, and no tickets. not much time there my friend. is the car in your name?? if it is, i'd transfer the title to a parent's name, give your agent your class schedule and/or report card. most major insurance companies give you a break if you're a student. having the car under your parents' name will help too. oh, and it helps if you don't get a ticket or in any accidents.

good luck!

haha 16, and no tickets. not much time there my friend. is the car in your name?? if it is, i'd transfer the title to a parent's name, give your agent your class schedule and/or report card. most major insurance companies give you a break if you're a student. having the car under your parents' name will help too. oh, and it helps if you don't get a ticket or in any accidents.

good luck!

sounds like your with farmers. Yeah my dad an agent, and all the kids always go on some 81 toyota for liability only, even through they are driving the mustang just cause its cheaper. He also checks the abs discount box on eveyr car that roles in. Have you parents get a quote, and if you buy life, and home with farmers, it will a lot of the time pay for it self with all the discounts.

havent got that car yet thats the point trying to get an idea what insurance will cost me so i can figure out if i can afford it

i have a one ticket (racing on public highway) when i got my 95 vtec, full converage costed me damn near 350 a month, but being under 18 i had to go under my parents name and although i could get it cheaper some where else my parents went through the place and full coverage for both of there cars is like 32 so they said it was worth it...

I don't know if this makes much of a differents, but i have 92 honda prelude si sence i was 18 and i only have liability on it. It cost me about 425 every six months. The title is in my name and im on my own insurance i go through Farmers. I live in Tri-city washington. Im sure it is different for you being 16 and im 19 now. ii don't think i can or would want to pay 800 every 6 months for full covrage but i think i should just in case. But knock on wood no accident so far and nothing with tickets only warnings. I think im just lucky. Got pulled over about 4 times maybe 2 of 4 could of put me in jail but got away with all of them. I was scaried shitless.

yeah, the full coverage is worth it cause if you do wreck you screwed, try raising your detectable to $1000, and then it won't be as high since they know that you won't make a claim for a $200 repair

if any one Knows how does insurance work. For full covrage and liability. Like what does full covrage cover and liability cover? I aways wanted to know.

Liablilty means, you wreck into some ones leses car, and its your fault they will pay for the othre persons car, but not yours, so its only good, if A, you don't believ in insurance, and only want it for legality, and b, you have crap ass car, where a missing fneder doesn't matter.

Full coverage ussually means, that, no matter what your car is stolen, hit and run, your fault or not, your insurance company will cover it.

i'm not positive, but for insurance purposes, i do not believe a lude is considered a sports car. i think it's just considered a compact coupe.

sorry, if it has a back seat its not considered a sports car, but if its a sport model, like a mustang "gt" or a prelude "si" then it has a 25% sir charge.

cool thanks for the info oh yea and if you dont got full coverage and you see bambi run him down its worse if you run off the road and hit a tree then if you just hit tha damn animal

does anyone know for sure what the prelude is considerd for insurance sports car compact what??

i just have liability. why pay 300+ a month, when you can just pay 70-90 a month, and bank the rest for your own purposes. liabilty costs the same across the board, for anycar. (of coarse, if the bank still own's the car, you would not have this option). but the way i looked at it, instead of having to pay 300 (what i was quoted for full) verses 70 (what i pay for liabilty), you would save 2800 in 1 year. almost what the car is probably worth. think in three years, you would save 9 grand. 9 grand is a turbo, new paint job, new rims, and custom interior :smile:. live life and enjoy the car. but in the end, it's just that... a car. so if you wreck it, it's your fault. then you should have some money saved from insurace being drastically cheaper, so you go out and buy a 200 dollar beater, until you can buy a new, better, ride. makes life more interesting that way. i hade more fun in an old 86 astro van (a beater i stuck myself with for a while), than almost anything i have ever owned.

My stepdad is a claims adjuster for an insurance company, and YES a Prelude is considered a sports car.....at least the 5th gens are.

Cars a assigned a point value based on make/model and the higher the number, the sportier the car. I believe there was only a 2 or 3 point difference between the base model and the SH.

i'm not positive, but for insurance purposes, i do not believe a lude is considered a sports car. i think it's just considered a compact coupe.


riiiiiiiiiiiiiiiiight!! some of the cheaper companies "accidently" mistook 'high compression' and changed it to 'high performance'. wanted to charge me and an arm and a leg just for liability.

all in all...i went with State Farm (best one in florida). car and insurance under my mom's name, in their 'mutual' program which is their best since my mom has no accidents or tickets, full coverage with 500 deductibles across the board costs me $215 a month, no downpayment, so i have to pay every month, but i don't have to raise money for a downpayment every 6 months. i had no tickets when i bought the lude, but now i have one accident so it might go up a bit, but since my mom is on that mutual thing, my agent said it probably won't.

get full coverage too!!! and a low deductble (500). nobody ever thinks they're gonna get in a car accident, but if you do, you'll thank me. the "minor" damage to my 97 lude cost $4,500. luckily i only had to pay 500.

i thought that 2 door cars were counted as sports cars
that is was what some one told me:sly:

put it in your name your probley looking at 2500+ per year, put it in your parents name and depending on the way they do it your looking anywhere from 1000-2000 per year

also, all 2 doors are not sports cars, and preludes are really not that expensive compared to other cars, only a 150$ increase in insurance when i switched my 94 accord ex with my 97 lude

wanted to charge me and an arm and a leg just for liability.


i don't know what kind of insurance companies, those where. aparently really bad ones. liability is liability, across the board. you could drive a viper to a neon, it still costs the same. at least i know this true with nationwide, and the two previous insurance companies i had. i could see why i think they could charge more, b/c certain types of cars are more likely to get someone in an accident (primarilly fast one's), but with anyone i've delt with it doesn't matter.

exactly, liability is liability and they shouldnt charge a big difference