1995 Honda Odyssey Insurance Quotes – 8 Tips to Save

Searching for lower insurance rates for your Honda Odyssey? Feel like you’re a prisoner to overpriced insurance? Believe me when I say you’re not the only one. Multiple auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies to find the lowest price

Verify you’re getting all your discounts

Companies do not list all available discounts in a way that’s easy to find, so here is a list both the well known and also the lesser-known insurance coverage savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Government Employees – Active or retired federal employment may qualify you for a discount for Odyssey insurance with certain companies.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Claim Free – Drivers with accident-free driving histories pay less as compared to bad drivers.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Odyssey insurance than less cautious drivers.
  • Low Mileage Discounts – Keeping the miles down on your Honda could be rewarded with better rates on cars that stay parked.
  • Memberships – Being a member of a qualifying organization is a good way to get lower rates when shopping for insurance coverage for Odyssey insurance.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like it’s possible to get free car insurance, you’re out of luck.

A partial list of companies who might offer these money-saving discounts include:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts may not be available in your area.

When should I talk to an agent?

When buying adequate coverage for your vehicles, there really is no best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • What if I don’t agree with a claim settlement offer?
  • Is business property covered if stolen from my car?
  • Do I need motorclub coverage?
  • Exactly who is provided coverage by my policy?
  • Does coverage extend to a rental car in a foreign country?
  • When can my company non-renew my policy?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Learn about insurance coverages for a Honda Odyssey

Knowing the specifics of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Auto liability

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles, legal defense fees and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1995 Honda Odyssey.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like X-ray expenses, doctor visits and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and 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

Coverage for collisions

Collision insurance covers damage to your Odyssey resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, hitting a mailbox and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, hail damage, a broken windshield, damage from flooding and hitting a deer. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There are many occasions where an insured dropped collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford.

We just covered many ways to compare 1995 Honda Odyssey insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the most savings is with the least-expected company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.

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