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: Jun 6, 2018

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

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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.

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Searching for lower insurance rates for your Honda Odyssey? Did a good deal turn into an expensive insurance policy? You’re in good company because there are a lot of people just like you who feel imprisoned by their insurance policy. Numerous insurance companies battle for your hard-earned dollar, so it can be very hard to choose a company to find the best rate

Consumers need to take a look at other company’s rates on a regular basis since rates fluctuate regularly. Despite the fact that you may have had the best rate for Odyssey insurance a few years ago a different company probably has better prices today. Ignore everything you know about insurance because we’re going to demonstrate the fastest way to get good coverage at a lower rate.

If you have insurance now or are looking for a new policy, you can use these tips to get lower rates and possibly find even better coverage. Finding affordable coverage is not that difficult. Drivers just need to learn the proper way to compare price quotes online.

How to shop insurance coverage online

Effectively comparing insurance coverage prices can be a lot of work if you aren’t aware of the easiest way. You can spend countless hours talking to insurance agencies in your area, or you could use the internet to achieve your goal.

All the larger companies participate in a marketplace where prospective buyers send in one quote, and each participating company returns a rated price based on that information. This eliminates the need for quote forms to each individual insurance coverage company.

To find out what other companies charge click here (opens in new window).

The only drawback to doing it this way is you cannot specify the insurers to get pricing from. So if you prefer to choose from a list of companies to receive pricing from, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare identical coverages and limits with every price quote. If each company quotes differing limits then you won’t be able to make a fair comparison for your Honda Odyssey.

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

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Take advantage of every insurance discount

Some companies don’t always advertise every discount in an easy-to-find place, so the following list contains some of the more common in addition to some of the lesser obvious credits that may apply to you.

  • Discounts for Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for Odyssey insurance with a few insurance companies.
  • No Claim Discounts – Insureds who avoid accidents and claims pay much less in comparison to bad drivers.
  • More Vehicles More Savings – Drivers who insure multiple cars or trucks on the same insurance policy can reduce the rates for all insured vehicles.
  • Homeowners Pay Less – Simply owning a home can earn you a little savings because maintaining a house requires a higher level of personal finance.
  • Distant Student – Youth drivers who are attending college and leave their car at home may qualify for this discount.
  • Renewal Discounts – Some larger companies give discounts for switching policies before your current expiration date. You could save around 10% when you buy insurance coverage online.
  • Online Discount – Some insurance companies will give you a small discount for completing your application on the internet.

You should keep in mind that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though you would think you can get free auto insurance, companies wouldn’t make money that way.

Some of the insurance companies that may have these discounts include:

If you need cheap insurance coverage quotes, ask all companies you are considering to give you their best rates. Discounts might not be available to policyholders in your area. To see a list of insurance companies that provide some of the discounts listed above, follow this link.

How to know if you need help

When buying the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • Can I afford low physical damage deductibles?
  • When can my company non-renew my policy?
  • What is the rate difference between pleasure use and commuting?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my state a no-fault state?
  • Does car insurance cover theft of personal property?
  • What exactly is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Specific coverage details

Understanding the coverages of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2016 Honda Odyssey.

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 a good idea.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, falling objects, rock chips in glass, damage from a tornado or hurricane and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills like dental work, ambulance fees and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

This coverage will cover damage or injury you incur to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as funeral expenses, pain and suffering, medical expenses, bail bonds and court costs. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.