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...

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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.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Finding cheaper insurance for a new or used Honda Odyssey can turn out to be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to shop for auto insurance and we’ll show you the quickest way to quote coverages on a Honda and locate the lowest price.

Ways to get car insurance quotes

Shopping for lower car insurance rates is a ton of work if you aren’t aware of the best way to get rate quotes. You can waste hours discussing policy coverages with agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to a marketplace that enables customers to enter their coverage request one time, and every company returns a competitive quote based on that information. This prevents consumers from doing quotation requests for each company.

To access this free quoting program, click here to open in new window.

The only downside to using this type of form is that you can’t choose the providers you want pricing from. So if you prefer to pick specific insurance companies for rate comparison, we have a listing of low cost car insurance companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using exactly the same deductibles and coverage limits on every price quote you get. If you are comparing different values for each quote it will be next to impossible to make a fair comparison for your Honda Odyssey.

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

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Decisions you make can impact your insurance premiums

Multiple criteria are part of the calculation when pricing auto insurance. Some factors are common sense like an MVR report, although others are not quite as obvious like your continuous coverage or your financial responsibility.

The list below includes a few of the things insurance companies consider when setting your rate level.

  • Why do you need liability coverage? – Liability insurance provides coverage when you are ruled to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for insurance? Careers such as lawyerspolice officers and financial analysts have higher rates than average in part from high stress and long work hours. On the other hand, careers like scientists, athletes and the unemployed have lower than average premiums for Odyssey insurance.
  • Cars with good safety ratings means cheaper insurance – Cars with high safety ratings are cheaper to insure. Highly rated vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates.
  • Use one insurance company and save – Most companies will award lower prices to policyholders that buy multiple policies, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you already get this discount, you still need to compare other insurance prices to help guarantee you have the best rates. Drivers may still find better rates by insuring with multiple companies.
  • Poor credit rating equals high costs – Having a good credit history can be a huge factor in your rate calculation. If your credit history is lower than you’d like, you may save money insuring your 2000 Honda Odyssey by spending a little time repairing your credit. Insureds with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.
  • Your location is important – Choosing to live in less populated areas of the country has it’s advantages if you are looking for the lowest rates. Fewer people translates into fewer accidents. Drivers in populated areas have to deal with congested traffic and more severe claims. Longer commute distances statistically corresponds to a higher accident and claim rate.

Pay discount rates these money-saving discounts

Some providers don’t always list every discount they offer in a way that’s easy to find, so we break down a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of 25 to 30%.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft so companies will give you a small discount.
  • Discount for Good Grades – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
  • Own a Home – Simply owning a home may trigger a policy discount on car insurance because owning a home is proof that your finances are in order.
  • Low Miles Discount – Driving fewer miles can qualify you for cheaper rates.
  • Distant College Student Discount – Older children who attend college more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Paperless Signup – A few companies provide a small discount simply for signing on the web.
  • Discount for Swiching Early – Some larger companies give discounts for switching to them before your current policy expires. This discount can save up to 10%.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will help reduce your policy cost.

Larger car insurance companies and their possible discounts are:

  • GEICO policyholders can earn discounts including seat belt use, membership and employees, defensive driver, multi-vehicle, good student, anti-theft, and military active duty.
  • Travelers offers discounts for new car, save driver, multi-policy, IntelliDrive, good student, and hybrid/electric vehicle.
  • Farm Bureau offers premium reductions for multi-policy, youthful driver, driver training, renewal discount, 55 and retired, safe driver, and multi-vehicle.
  • Liberty Mutual has savings for multi-policy, good student, exclusive group savings, hybrid vehicle, and new vehicle discount.
  • American Family has discounts for good driver, multi-vehicle, TimeAway discount, air bags, and Steer into Savings.
  • Progressive discounts include good student, multi-policy, online quote discount, continuous coverage, and homeowner.

Double check with every company what discounts are available to you. All car insurance discounts may not be offered everywhere. To view providers that offer many of these discounts, click here to view.

Do I need special coverages?

When buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight if your insurance needs may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Do I benefit by insuring my home with the same company?
  • Do I need motorclub coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

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

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Auto insurance 101

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like falling objects, hitting a deer, theft, damage from getting keyed and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

This protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as medical services, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like prosthetic devices, nursing services, hospital visits and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

More comparisons equals lower rates

When shopping online for auto insurance, you should never skimp on coverage in order to save money. There have been many cases where an insured cut full coverage only to find out that it was a big error on their part. The ultimate goal is to find the BEST coverage at the best price.

Throughout this article, we presented many ways to save on 2000 Honda Odyssey insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest rates are with some of the smallest insurance companies.

Cheaper auto insurance can be bought from both online companies as well as from insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not have online price quotes and most of the time these regional carriers sell through independent agents.

More detailed auto insurance information can be found at these sites: