Lower Your 2000 Honda Odyssey Insurance Quotes

Drivers have many options when trying to find the best price on Honda Odyssey insurance. You can either waste hours contacting agents getting price quotes or utilize the internet to get rate quotes.

There are more efficient ways to buy car insurance and you need to know the quickest way to get price quotes for a Honda and obtain the cheapest rates from both online companies and local agents.

Companies offer discounts so take them!

The price of auto insurance can be rather high, but there are discounts available that you may not know about. A few discounts will automatically apply when you purchase, but some may not be applied and must be asked for before you get the savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Low Mileage Discounts – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • 55 and Retired – Mature drivers may receive better insurance rates for Odyssey insurance.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Odyssey insurance with certain companies.
  • Passive Restraint Discount – Factory air bags can qualify for discounts of up to 25% or more.
  • Multi-policy Discount – If you insure your home and vehicles with one company you will save approximately 10% to 15%.
  • Club Memberships – Belonging to a professional or civic organization could qualify you for a break on your policy for Odyssey insurance.

It’s important to understand that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will reduce your premiums.

Companies that may offer these benefits include:

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

How to Compare Insurance Coverage Costs

Lowering your 2000 Honda Odyssey insurance coverage rates can be relatively painless. You just need to spend a few minutes comparing rates online with multiple companies. This can be done in a couple of different ways.

  1. The best way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for separate quotation requests for each company. One form submission compares rates direct from many companies. It’s the fastest way to compare.
  2. A less efficient way to analyze rates requires a trip to the website for each individual company and request a quote. For examples sake, let’s assume you want comparison quotes from State Farm, 21st Century and American Family. To get each rate you have to spend time on each company’s site and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The most time-consuming way to compare rates is to spend your day driving to insurance agents’ offices. Shopping for insurance coverage online has reduced the need for local agents unless you want the professional advice of a local agent. It is possible to compare the best prices online and still use a local agent and we’ll talk about that later.

However you get your quotes, be sure to compare the exact same coverage information for every quote you compare. If the quotes have differing limits you will not be able to determine which rate is truly the best.

Do I just need basic coverages?

When buying coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different.

These are some specific questions may help highlight whether you might need professional guidance.

  • Does car insurance cover theft of personal property?
  • When does my teenage driver need to be added to my policy?
  • Which is better, split liability limits or combined limits?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will filing a claim cost me more?
  • Can my teen drive my company car?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance coverage information

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, a tree branch falling on your vehicle, damage from flooding and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like court costs, bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like chiropractic care, hospital visits, prosthetic devices and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage

This coverage will pay to fix damage to your Odyssey resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, driving through your garage door, colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Affordable insurance is out there

We’ve covered a lot of techniques to save on 2000 Honda Odyssey insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with an unexpected company.

The cheapest insurance can be sourced both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

Consumers change insurance companies for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, questionable increases in premium or even extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company is less work than it seems.

More detailed insurance coverage information can be found by following these links: