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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
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.
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 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
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.
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: