Hi, I just got a '97 Prelude and put it on my current Progressive policy with my '90 Civic hatch but I'm wondering if there is a better insurance company as far as compensation should it get stolen. I figure that's more likely than me crashing it, but who knows. Progressive wouldn't give me a ballpark for how much they would pay out in the event of theft, so I have no idea how much money I would be out. Having full coverage on the Prelude and liability only on the Civic is a total of $104 a month with a $500 deductible.

Any recommendations would be greatly appreciated.

 

so how much more would it be if u got full compared to liability? i pay 130$ a month cuz my parents insisted that i get 500k coverage in the event i hit someone and drag their corpse 20-30 feet. lol. i dont think theft is that big for preludes, mainly because its OBDII i believe and most have alarms. you can just ghetto-rig it so that thieves cant just drive away in your car. (i.e. take a fuse with u when u leave ur car, pretty simple anti-theft)

I honestly dont think a prelude is worth the full cov. cuz for me it would be 1500$ for half a year on full coverage, whereas im at 800$ now. so after the first year, ill have had 1400$ more to cover stolen parts. i mean think about it, thieves aren't gonna strip it and push it off a cliff. even if your lude is stolen (god forbid!) u should be able to recover the shell. i think the total bill for a stolen prelude is like 4k at the most.
(full swap-2k, interior 2-300, radio 100, wheels-100-300, 1300 left for exterior stuff)

iunno, maybe im just young n duMb

oh and of course AAA/costco will have competitive/better prices since they require 1 year driving experience whereas progressive and others just require license.

 

Oh, I meant that I did add the Prelude onto the policy and that I pay 104 a month for the Prelude having full coverage and the civic having only liability. It seems like a fairly good deal, but I wonder if it's cheap up front and then the payout is small. Anyone have experience with a Progressive claim?
It's good to hear that this isn't a high-theft car though.