Save on 1996 Honda Odyssey Car Insurance Cost

Searching for the cheapest insurance for a Honda Odyssey can turn out to be difficult, but you can learn the following methods to save time. There are both good and bad ways to shop for insurance so we’re going to tell you the absolute fastest way to price shop coverage on a Honda and get the best price possible either online or from local insurance agents.

How to Compare Insurance Coverage Quotes

Lowering your 1996 Honda Odyssey insurance coverage rates is not rocket science. Drivers just need to invest a little time comparing rates online with multiple companies. This can be done in a couple of different ways.

The most efficient way to find low rates is a comparison rater form (click to open form in new window). This form keeps you from doing multiple quote forms to each individual insurance coverage company. Filling out one form gets rate comparisons from insurance coverage companies with the best prices. It’s the fastest way to compare.

A less efficient way to compare rate quotes is to manually visit the website of each company and complete a new quote form. For examples sake, let’s assume you want rates from Allstate, Esurance and American Family. You would have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

Which method you use is up to you, but compare apples-to-apples coverage limits for every quote you compare. If you use mixed coverages then you won’t be able to determine the best price for your Honda Odyssey.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions can help discover whether your personal situation may require specific advice.

  • Am I covered if I break a side mirror?
  • What if I total my 1996 Honda Odyssey and owe more than it’s worth?
  • How much liability do I need to cover my assets?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I rate high risk drivers on liability-only vehicles?
  • Where can I get insurance after a DUI in my state?
  • Can I rent a car in Mexico?
  • Does my personal policy cover me when driving out-of-state?
  • What vehicles should carry emergency assistance coverage?
  • Who is covered when they drive my 1996 Honda Odyssey?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Coverage specifics

Having a good grasp of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision protection

Collision insurance pays for damage to your Odyssey resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability

This will cover damage that occurs to people or other property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Uninsured or underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, a broken windshield and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like prosthetic devices, hospital visits and doctor visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage