1999 Honda Odyssey Insurance Cost – 7 Ways to Save

Having to pay for overpriced Honda Odyssey insurance can overdraw your personal savings, especially in this economy. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with advertising and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Finding the best rates is not that difficult. But vehicle owners must comprehend the way insurance companies price insurance differently and apply this information to your search.

The quickest method we recommend to compare insurance rates from multiple companies is to take advantage of the fact most larger insurance companies allow for online access to provide you with a free rate quote. The one thing you need to do is give them some information such as if you’re married, if your license is active, coverage limits, and types of safety features. Your details is then submitted to multiple companies and you will get price comparisons instantly to find the best rate.

To start a rate quote now, click here and see if a lower rate is available.

Slick advertising tricks that work

Allstate and Progressive consistently run ads in print and on television. All the companies say the same thing about savings if you change to their company. How does each company make the same claim?

Different companies are able to cherry pick for the type of customer they prefer to insure. For instance, a driver they prefer could possibly be over the age of 40, is a homeowner, and has a high credit rating. A customer who fits that profile receives the best rates and most likely will pay quite a bit less when switching companies.

Consumers who are not a match for this ideal profile will be charged a higher premium and this can result in business going elsewhere. Company advertisements say “customers who switch” not “everyone that quotes” save money. That is how insurance companies can confidently claim big savings. That is why you absolutely need to compare as many rates as you can. It’s just too difficult to predict which company will have the lowest Honda Odyssey insurance rates.

Cut your premium with these seven discounts

Companies offering auto insurance don’t necessarily list every discount in an easy-to-find place, so we took the time to find both well-publicized as well as the least known discounts you could be receiving.

  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Odyssey coverage with select insurance companies.
  • Passive Restraints – Vehicles equipped with air bags can receive discounts up to 30%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • Homeowners Savings – Being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
  • Club Memberships – Being a member of certain professional organizations is a good way to get lower rates when buying car insurance on Odyssey coverage.
  • 55 and Retired – If you qualify as a senior citizen, you may receive better car insurance rates on Odyssey coverage.

Keep in mind that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

A partial list of companies that possibly offer some of the above discounts include:

Before buying, ask each insurance company how you can save money. Savings might not apply in every state.

What is the best insurance coverage?

When choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I sign the liability waiver when renting a car?
  • If my 1999 Honda Odyssey is totaled, can I afford another vehicle?
  • Do I need replacement cost coverage?
  • Am I covered if hit by an uninsured driver?
  • Can I still get insurance after a DUI?
  • Is my teenager covered with friends in the car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why is insurance for a teen driver so high?
  • What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for chiropractic care, rehabilitation expenses, nursing services, prosthetic devices and doctor visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance – This can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like loss of income, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision coverage – This will pay to fix damage to your Odyssey resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, rolling your car, sustaining damage from a pot hole, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive protection – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, theft and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Find Good Coverage for Less

Cheap 1999 Honda Odyssey insurance is available online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Throughout this article, we presented quite a bit of information on how to get a better price on insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Regional companies often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

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