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 20, 2017

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find better insurance coverage rates for your Honda Odyssey? Searching for the cheapest insurance coverage may be challenging for people not familiar with price shopping online. With so many companies, how are people expected to have a chance to compare every possible option in order to find the best available price?

Smart consumers take time to shop coverage around periodically because prices trend upward over time. Even if you got the best quotes for Odyssey coverage a couple years back a different company probably has better rates today. There is lot of inaccurate information about insurance coverage on the internet, but in just a couple of minutes you can learn some great ideas on how to lower your insurance coverage bill.

How to compare insurance price quotes

There are several ways to get quotes from insurance companies in your area. The fastest way to find competitive 2011 Honda Odyssey insurance rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. If you don’t have a lot of time, the easiest way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This quick form saves time by eliminating repetitive form submissions for every insurance company. One form submission gets insurance cost estimates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to find lower rates is to manually visit each company website and fill out a new quote form. For instance, we’ll pretend you want to get rates from Nationwide, Esurance and Liberty Mutual. You would be required to navigate to each company’s site to input your insurance information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but do your best to use identical quote data on every quote. If your comparisons have differing limits it’s impossible to truly determine the lowest rate. Even a minor difference in limits may result in large price differences. It’s important to know that comparing more quotes will increase your chances of finding more affordable insurance.

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

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Drivers can save with with these discounts

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. Many discounts should be triggered when you purchase, but once in a while a discount must be specifically requested prior to getting the savings.

  • Good Student Discount – Being a good student may save you up to 25%. The discount lasts well after school through age 25.
  • Anti-theft System – Cars, trucks, and SUVs with anti-theft systems help deter theft and will qualify for a discount on a insurance quote.
  • Buy New and Save – Putting coverage on a new car can cost up to 25% less because newer vehicles are generally safer.
  • More Vehicles More Savings – Drivers who insure multiple cars on the same car insurance policy can reduce rates for all insured vehicles.
  • Safe Driver Discounts – Insureds without accidents can save up to 40% or more on their insurance quote for Odyssey coverage compared to accident prone drivers.
  • First Accident Forgiveness – Not really a discount, but a handful of insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
  • Defensive Driver Discounts – Participating in a driver safety class is a good idea and can lower rates and also improve your driving technique.
  • Discount for Life Insurance – Larger insurance carriers have a lower car insurance rate if you buy some life insurance too.
  • Auto/Home Discount – If you can combine your auto and home policy and insure them both with the same insurance company you may save 10% to 20% off each policy.

A quick disclaimer, some credits don’t apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

Insurance companies that may offer quotes with these money-saving discounts are:

When comparing rates, check with each company or agent the best way to save money. Some of the earlier mentioned discounts might not be offered in your area. To see car insurance companies that have a full spectrum of discounts, click this link.

Your situation helps dictate your coverage

When it comes to choosing the best car insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • If my pet gets injured in an accident are they covered?
  • Does coverage extend to my business vehicle?
  • Does my car insurance cover rental cars?
  • Can I make deliveries for my home business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • At what point should I drop full coverage?
  • Why am I required to buy liability insurance?
  • Do I need PIP coverage since I have good health insurance?
  • How can I force my company to pay a claim?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance coverage information

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability coverage

Liability coverage protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, medical expenses, emergency aid, attorney fees and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Honda Odyssey.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, falling objects, damage from a tornado or hurricane, damage from flooding and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, X-ray expenses, hospital visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your Odyssey from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.