1997 Honda Odyssey Car Insurance Rates – 10 Tips for Best Quotes

Trying to find better insurance prices for your Honda Odyssey can turn out to be difficult, but you can learn the following methods and make it easy. There are more efficient ways to buy insurance coverage and you need to know the absolute fastest way to get price quotes on a Honda and find the lowest price from both online companies and local agents.

Buying car insurance is easy if you know what you’re doing. If you have insurance now or are shopping for new coverage, you can use this information to find the best rates while maintaining coverages. Drivers only need an understanding of the best way to shop for car insurance online.

Compare quotes for insurance coverage

Getting more affordable 1997 Honda Odyssey insurance coverage pricing doesn’t have to be difficult. Just invest a few minutes to compare rate quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

1. One of the fastest ways to find the lowest comparison rates is a comparison rater form (click to open form in new window). This type of form keeps you from doing separate quotes to each individual insurance coverage company. Taking the time to complete one form will get you price quotes from multiple companies. Just one form and you’re done.
2. A slightly less efficient method to get comparison quotes is to manually visit the website for each individual company to request a price quote. For instance, let’s assume you are doing a rate comparison from USAA, Liberty Mutual and Travelers. In order to compare rates, you need to take the time to go to each site to enter the same coverage data repeatedly, which is why first method is reommended.

   To view a list of companies in your area, click here.

3. The most difficult way to get comparison rates is physically going to insurance agents’ offices. Buying insurance online eliminates this option unless you have a complicated situation and need the trained advice that only a licensed agent can provide. Some companies do allow you to get prices online but still have the advice of a local agent.

It doesn’t matter which method you choose, just do your best to use identical coverage information for each comparison quote. If your comparisons have different limits and deductibles on each one you will not be able to determine the best price for your Honda Odyssey.

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Beware of misleading car insurance ads

Consumers can’t get away from ads that claim the cheapest auto insurance rates by companies like State Farm, GEICO and Progressive. All the ads tend to make the same promise of big savings after switching your policy.

How can each company charge lower premium rates? It’s all in how they say it.

Companies quote the lowest rates for the type of insured that earns them the most money. For instance, a profitable insured should be a female over age 40, has a clean driving record, and drives a lower-performance vehicle. Any driver who meets those qualifications will get low auto insurance rates and most likely will save some money.

Potential insureds who fall outside the “perfect” profile may receive higher rates which leads to the prospect going elsewhere. If you listen closely, the ads state “customers who switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can confidently make the claims of big savings. Each company has different criteria, so you should do a price quote comparison at every renewal. It’s impossible to know which company will have the best prices at this point in time.

Affordable auto insurance rates with discounts

Insuring your vehicles can cost a lot, but you might find some hidden discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at the time you complete a quote, but some discounts are required to be specially asked for before you will receive the discount. If you do not check that you are getting every discount available, you’re just leaving money on the table.

• Own a Home and Save – Just owning your own home can save you money since home ownership requires personal responsibility.
• E-sign – A few larger online companies will give a small break for buying your policy on their website.
• Braking Control Discount – Cars and trucks equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
• No Accidents – Insureds who avoid accidents and claims have much lower rates in comparison with frequent claim filers.
• Distant College Student Discount – Kids who live away from home at college and leave their car at home could qualify for this discount.
• Bundle and Save – When you combine your auto and homeowners insurance with the same insurance company you could earn a discount of 10% to 20% off each policy.
• Driving Data Discount – Insureds that choose to allow driving data collection to track driving patterns by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as the data is positive.
• New Vehicle Savings – Insuring a vehicle that is new can be considerably cheaper since new vehicles are generally safer.
• Discount for Low Mileage – Driving fewer miles may allow you to get lower auto insurancerates on the low mileage vehicles.
• Student Driver Training – Cut your cost by having your teen driver complete a driver education course in high school.

Don’t be shocked that some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic.

Insurance companies that may include some of the discounts shown above are:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

It’s a good idea to ask all the companies which discounts you qualify for. Some credits might not apply in your area. For a list of providers with significant discounts, click this link.

Tailor your insurance coverage to you

When choosing coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I pay less for low miles?
• How can I get my company to pay me more for my totalled car?
• Is my babysitter covered when using my vehicle?
• When does my teenage driver need to be added to my policy?
• Is my teen driver covered when they drive my company car?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is high-risk coverage and where do I buy it?
• Does my policy cover me when driving someone else’s vehicle?
• Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

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Insurance coverage considerations

Having a good grasp of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, theft, falling objects, hail damage and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This pays for damage to your Odyssey caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, driving through your garage door, damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses like prosthetic devices, surgery, dental work and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Honda Odyssey.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability coverages

Liability coverage can cover damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like funeral expenses, legal defense fees, loss of income, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

A little work can save a LOT of money

When shopping online for car insurance, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped collision coverage only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

We just presented some good ideas how you can shop for 1997 Honda Odyssey insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost auto insurance. You may even discover the lowest priced car insurance comes from a small mutual company.

People change insurance companies for a number of reasons such as an unsatisfactory settlement offer, poor customer service, policy non-renewal and high rates after DUI convictions. Whatever your reason, choosing a new company can be less work than you think.

Other resources

• Keeping Children Safe in Crashes Video (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What does Personal Injury Protection (PIP) Cover? (Allstate)

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