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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Want cheaper insurance rates for your Honda Odyssey? No one in their right mind gets a kick out of paying for insurance, especially when the cost is too high. Vehicle owners have so many insurance companies to pick from, and although it’s a good thing to have a selection, it makes it harder to compare rates and find the lowest cost insurance.

It’s a good idea to get comparison quotes yearly since insurance prices tend to go up over time. If you had the lowest rate for Odyssey coverage two years ago you will most likely find a better premium rate today. You can find a lot of wrong information about insurance online, but you can learn some of the best ways to lower your insurance premiums.

This article will let you in on the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Vehicle owners only need an understanding of the proper way to get comparison quotes over the internet.

Use discounts to get cheaper insurance coverage quotes

Car insurance companies don’t always publicize every possible discount in a way that’s easy to find, so the list below details both well-publicized and the more hidden credits that you can use to lower your rates.

  • Driver Safety – Taking time to complete a course in defensive driving is a good idea and can lower rates depending on where you live.
  • Auto/Home Discount – When you combine your home and auto insurance and insure them with the same company you will save approximately 10% to 15%.
  • Discount for Swiching Early – A few insurance coverage companies give discounts for switching policies prior to the expiration date on your current policy. This can save 10% or more.
  • Discounts for Multiple Vehicles – Buying a policy with primary and secondary vehicles with one company can get a discount on all vehicles.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and a selection of discounts are included below.

  • Progressive may include discounts for online signing, multi-vehicle, online quote discount, good student, homeowner, and continuous coverage.
  • GEICO offers discounts for federal employee, seat belt use, emergency military deployment, membership and employees, five-year accident-free, and air bags.
  • State Farm may offer discounts for driver’s education, student away at school, accident-free, anti-theft, and multiple policy.
  • Esurance has discounts for safety device, online shopper, good student, Switch & Save, multi-policy, Pac-12 alumni, and anti-theft.
  • The Hartford policyholders can earn discounts including anti-theft, bundle, defensive driver, good student, and air bag.

When getting a coverage quote, ask every insurance company which credits you are entitled to. Depending on the company, some discounts may not apply in your area. If you would like to see a list of insurers that can offer you the previously mentioned discounts, click here to view.

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

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Tailor your auto insurance coverage to you

When choosing coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions can aid in determining whether or not you would benefit from professional advice.

  • When should I remove comp and collision on my 2003 Honda Odyssey?
  • What exactly is covered by my policy?
  • Can I afford to buy a different vehicle if my 2003 Honda Odyssey is totaled?
  • When can my company non-renew my policy?
  • Do I have coverage if my license is suspended?
  • When would I need rental car insurance?
  • Am I covered if I crash into my own garage door?
  • What are the best liability limits?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Information about specific coverages

Knowing the specifics of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Honda Odyssey.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Liability coverages – This can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, funeral expenses, court costs and structural damage. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses for things like hospital visits, funeral costs, X-ray expenses and chiropractic care. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, damaging your car on a curb, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum amount 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.

Power to the consumer

You just learned a lot of information how to shop for 2003 Honda Odyssey insurance online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even find the lowest premium rates are with the smaller companies. These smaller insurers can often provide lower prices in certain areas than their larger competitors like State Farm and Allstate.

Affordable 2003 Honda Odyssey insurance can be found on the web and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies may not provide rate quotes online and most of the time these regional insurance providers only sell coverage through independent insurance agents.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

Additional detailed information is available in the articles below: