the timing belt on that car is usually replaced at 90,000 or 7 years. if you are sure its never been replaced then you are overdue.
the other quotes are extremely high. my honda dealer has a 'package' deal for the timing belt, water pump, new coolant and new drive belts for $379. And that's in California. You can get it done for less if you go to a local mechanic who is looking for work. However,t you really should replace the other 'package' items at the same time--the water pump, coolant and the other drive belts.
Also, at 90k the car was due for a major service that includes the valve adjustment and spark plug replacements. along with that, all the filters should be replaced as well as the normal oil and filter change. the valve adjustment is the most critical maintenance service on that car and no one other thing has more of an affect on the engine power and fuel economy as the valve adjustment.
you can defer that maintenance if it hasn't been done, but .keep in mind that if you maintain the car it will go for 400,000 miles; so protect your investment and do the maintenance as soon as its affordable.
best advice--shop around. call first and ask for a specific quote on the timing belt, drive belts, coolant and water pump including parts, labor and tax. as a consumer, you have the right to say "no". be sure that you are comfortable with the company you chose to do business with.
hope that helps
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