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: Nov 5, 2017

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Trying to find cheaper insurance for a new or used Honda Odyssey could be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to buy insurance and you need to know the absolute fastest way to quote coverages for a new or used Honda and locate the best price possible from both online companies and local agents.

You need to do rate comparisons quite often because insurance rates fluctuate regularly. Just because you found the lowest premium rates on Odyssey coverage last year you may be paying too much now. You can find a lot of information about insurance online, but you can learn a bunch of ideas how to slash your insurance rates.

If you are insured now or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. Locating the lowest cost protection is quite easy. Drivers just need to know the tricks to compare rates over the internet.

How to compare insurance coverage quotes

Performing a rate comparison can be a lot of work if you don’t understand the best way to get rate quotes. You could waste a few hours talking to insurance companies in your area, or you could save time and use the web to get the quickest rates.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each company can provide price quotes for coverage. This prevents consumers from doing quote forms to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to using this type of form is buyers cannot specifically choose which carriers to get quotes from. So if you prefer to pick from a list of companies to compare, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

Whichever method you choose, ensure you’re using identical coverage limits and deductibles for each price quote. If your comparisons have differing limits it will be next to impossible to get a fair rate comparison.

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

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Take these nine policy discounts and save

Car insurance is not cheap nor is it fun to buy but companies offer discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time you complete a quote, but some discounts are required to be specifically requested before being credited.

  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% on Odyssey coverage than less cautious drivers.
  • Driver Education Discount – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.
  • Save over 55 – Drivers over the age of 55 can possibly qualify for a small discount on rates on Odyssey coverage.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
  • Multiple Cars – Buying insurance for all your vehicles on the same car insurance policy can get a discount for every vehicle.
  • Clubs and Organizations – Participating in a professional or civic organization could earn you a nice discount on car insurance.
  • Government Employee Discount – Employees or retirees of the government could provide a small rate reduction on Odyssey coverage but check with your company.
  • Homeowners Discount – Being a homeowner can earn you a little savings because owning a home demonstrates responsibility.

Don’t be surprised that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. So even though you would think you can get free auto insurance, you’re out of luck. But all discounts will definitely lower your overall bill.

If you would like to see a list of insurers that offer discounts, click here.

Which policy gives me the best coverage?

When buying coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions can aid in determining whether or not you might need professional guidance.

  • Does my personal policy cover me when driving out-of-state?
  • Should I sign the liability waiver when renting a car?
  • Should I put collision coverage on all my vehicles?
  • Are rock chip repairs covered?
  • Does insurance cover tools stolen from my truck?
  • Why does it cost so much to insure a teen driver?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage basics

Knowing the specifics of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2001 Honda Odyssey.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, damage from flooding, a tree branch falling on your vehicle, theft and rock chips in glass. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like pain medications, nursing services, hospital visits and dental work. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This will pay to fix damage to your Odyssey resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, colliding with another moving vehicle, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.


This provides protection from injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like medical expenses, attorney fees, court costs, funeral expenses and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

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

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Don’t be a big spender

Insureds who switch companies do it for a number of reasons such as high prices, poor customer service, being labeled a high risk driver and even policy cancellation. No matter why you want to switch, choosing a new company can be less work than you think.

We’ve covered quite a bit of information on how to lower your 2001 Honda Odyssey insurance car insurance rates. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheap insurance coverage. Drivers may discover the best car insurance rates are with the least-expected company.

As you quote insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In many instances, drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

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