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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Searching for lower insurance rates for your Honda Odyssey? Pretty sure you bought an underperforming, overpriced insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.

There is such a variety of insurers to insure vehicles with, and even though it’s nice to have a selection, more choices can make it harder to adequately compare rates.

You should make it a habit to get comparison quotes at least once a year due to the fact that insurance prices are constantly changing. Even if you got the best price on Odyssey coverage a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to learn one of the quickest ways to get good coverage at a lower rate.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but there may be some discounts to cut the cost considerably. Some of these disounts will be visible at quote time, but some must be requested specifically prior to getting the savings. If you do not check that you are getting every discount you deserve, you are paying more than you should be.

  • Multi-Vehicle Discounts – Insuring multiple cars on the same auto insurance policy can get a discount for every vehicle.
  • Memberships – Participating in a civic or occupational organization is a good way to get lower rates on your next auto insurance statement.
  • Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease on Odyssey coverage depending on your auto insurance provider.
  • Buy New and Save – Insuring a vehicle that is new can save up to 30% due to better safety requirements for newer models.
  • Good Student – Maintaining excellent grades may save you up to 25%. Many companies even apply the discount to college students up to age 25.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
  • Defensive Driving Course – Participating in a driver safety course could possibly earn you a 5% discount and also improve your driving technique.
  • Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a auto insurance quote.

A quick disclaimer, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

A few popular companies and some of the discounts are included below.

  • GEICO has discounts for multi-vehicle, defensive driver, daytime running lights, seat belt use, and federal employee.
  • SAFECO offers premium reductions for drive less, multi-car, safe driver, bundle discounts, teen safe driver, accident prevention training, and teen safety rewards.
  • State Farm may offer discounts for safe vehicle, good driver, student away at school, passive restraint, accident-free, multiple autos, and driver’s education.
  • MetLife may include discounts for good driver, defensive driver, accident-free, multi-policy, claim-free, good student
  • 21st Century has savings for air bags, homeowners, teen driver, theft prevention, and student driver.
  • Progressive includes discounts for good student, multi-vehicle, homeowner, multi-policy, continuous coverage, online quote discount, and online signing.

Before buying, ask each insurance company what discounts are available to you. Depending on the company, some discounts might not be available to policyholders in your state.

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

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Don’t assume everyone needs the same car insurance coverage

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For instance, these questions can help discover whether your personal situation might need professional guidance.

  • Are rental cars covered under my policy?
  • How much can I save by bundling my policies?
  • Am I covered when driving in Canada or Mexico?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I rate my 2013 Honda Odyssey as pleasure use or commute?
  • What is an SR-22 filing?
  • How do I insure my teen driver?
  • What is the minimum liability in my state?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance savings promises

Big name companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all seem to advertise claims that you’ll save big if you switch your policy. How can each company charge lower premium rates?

Insurance companies give the best rates for the type of driver that will add to their bottom line. For example, this type of insured might have to be a mature driver, has a clear driving record, and insures a new vehicle. A customer that meets those criteria receives the best prices as well as save money with a new company.

Potential customers who fall short of those standards must pay higher premiums and the customer not buying. The trick companies use is to say “customers that switch” not “everybody who quotes” can save as much as they claim. This is how companies can make claims like that.

This really emphasizes why you really should compare free auto insurance quotes often. It is impossible to predict which insurance companies will give you lower car insurance rates than your current company.

Coverage specifics

Knowing the specifics of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Liability coverage

Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, a broken windshield and damage from getting keyed. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays for damage to your Odyssey resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses such as hospital visits, dental work and pain medications. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

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

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A fool and his money are soon parted

Budget-conscious 2013 Honda Odyssey insurance can be found from both online companies as well as from insurance agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. A few companies do not offer online quoting and usually these small, regional companies prefer to sell through local independent agents.

We just presented many ideas to shop for 2013 Honda Odyssey insurance online. The key thing to remember is the more providers you compare, the better likelihood of getting cheap auto insurance. You may be surprised to find that the lowest priced insurance coverage comes from the least-expected company. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

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