Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find lower car insurance rates? Buyers have a choice when searching for low-cost Honda Odyssey insurance. They can either waste time struggling with agents getting price quotes or use the internet to find the lowest rates. There is a better way to shop for car insurance so we’re going to tell you the best way to compare rates for your Honda and find the best price possible from local insurance agents and online providers.

It’s important to take a look at other company’s rates every six months because rates fluctuate regularly. Even if you think you had the best deal for Odyssey insurance six months ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn one of the best ways to lower your annual insurance bill.

Take policy discounts and save

Some insurers do not advertise all possible discounts very clearly, so the list below contains both the well known and the harder-to-find discounts that you may qualify for.

  • Low Mileage – Low annual miles can qualify you for substantially lower rates.
  • Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control can avoid accidents and the ABS can save up to 10%.
  • Multiple Policy Discount – If you can combine your home and auto policy and insure them with the same company you will save approximately 10% to 15%.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Odyssey insurance compared to rates paid by drivers with frequent claims.

Just know that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky.

A list of companies and some of the discounts are included below.

  • Progressive includes discounts for multi-vehicle, multi-policy, good student, online quote discount, and homeowner.
  • MetLife has discounts for defensive driver, multi-policy, good driver, claim-free, accident-free, good student
  • Mercury Insurance has savings for annual mileage, type of vehicle, age of vehicle, low natural disaster claims, good student, good driver, and multi-car.
  • Nationwide offers premium reductions for multi-policy, anti-theft, Farm Bureau membership, easy pay, and good student.
  • GEICO offers discounts including daytime running lights, membership and employees, multi-policy, anti-lock brakes, and seat belt use.
  • AAA may include discounts for good student, good driver, multi-policy, AAA membership discount, and education and occupation.

If you want the cheapest insurance quotes, ask each company or agent which discounts you may be entitled to. Savings may not be available in your state. If you would like to choose from a list of insurance companies who offer discounts, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Informed consumers can reduce their insurance prices

Many different elements are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving history, although some other factors are less obvious like where you live or your commute time.An important part of buying insurance is that you know some of the things that help calculate the rates you pay for auto insurance. If you know what influences your rates, this enables you to make decisions that could help you find better auto insurance rates.

Listed below are most of the major factors used by companies to determine your rates.

  • Proper usage rating affects costs – Driving a lot of miles in a year the more you will pay for auto insurance. A lot of companies calculate rates based upon how you use the vehicle. Cars used primarily for pleasure use can be on a lower rate level than those used for commuting. Verify your policy shows the correct usage. Improper usage on your Odyssey may be costing you.
  • Do you really need to file that policy claims? – If you’re an insured who likes to file claims don’t be surprised to see higher rates. Car insurance companies generally give cheaper rates to insureds who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the large, substantial claims.
  • Protect yourself with liability insurance – A critical coverage on your policy, liability insurance provides coverage if you are found to be at fault for damages from an accident. Liability provides you with a defense in court to defend your case. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Always have auto insurance – Going without insurance is a quick way to increase your rates. Not only will you pay higher rates, not being able to provide proof of insurance will get you fines and jail time.
  • Raise your deductibles for better costs – Comprehensive and collision coverage deductibles are the amount of money you are required to pay if you file a covered claim. Physical damage insurance, also called ‘full coverage’, protects your car from damage. Examples of some claims that would be covered are rearending another vehicle, hail damage, and damage from wind. The more expense the insured is willing to pay, the less money you will pay for auto insurance for Odyssey insurance.

Which policy gives me the best coverage?

When it comes to buying the best insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when driving on a suspended license?
  • Does my personal policy cover me when driving out-of-state?
  • Am I insured when driving a different vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I pay less for low miles?
  • Is my babysitter covered when using my vehicle?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

The insurance coverage bait and switch

Consumers can’t get away from all the ads that claim the best car insurance rates by companies like GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you switch your insurance coverage coverage to their company.

Is it even possible that every company can make the same claim? It’s all in the words they use.

Companies provide the lowest rates for the type of driver that earns them a profit. A good example of a profitable insured might have to be married and over the age of 30, has never had a claim, and drives a safe vehicle. A customer who meets those qualifications will qualify for the lowest premium rates and therefore will save a lot of money.

People who may not quite match the “perfect” profile will be charged a more expensive rate which results in the driver buying from a lower-cost company. The ads state “customers that switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully make claims that they all have the best premium rates. Different companies use different criteria so you really should compare price quotes frequently. It is impossible to predict with any certainty which company will be your best fit.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Auto insurance 101

Knowing the specifics of car insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for bills for chiropractic care, doctor visits, surgery and nursing services. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability car insurance – This provides protection from damage that occurs to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like emergency aid, loss of income and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, damage from getting keyed and falling objects. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1995 Honda Odyssey.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverages – Collision insurance will pay to fix damage to your Odyssey resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail, backing into a parked car, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Get your money’s worth

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret that they should have had better coverage. The aim is to purchase a proper amount of coverage at a price you can afford.

People who switch companies do it for many reasons like delays in paying claims, policy non-renewal, unfair underwriting practices and being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.

Cheap 1995 Honda Odyssey insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance coverage companies don’t offer online rate quotes and usually these regional insurance providers provide coverage only through independent insurance agencies.

More articles