View 2008 Honda Odyssey Insurance Quotes

Shoppers have lots of choices when shopping for the lowest priced Honda Odyssey insurance. They can either waste time driving around getting price quotes or save time using the internet to get rate quotes.

There are both good and bad ways to shop for insurance and we’ll show you the absolute fastest way to compare rates for a Honda and locate the best price possible either online or from local insurance agents.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for before you will receive the discount. If you don’t get every credit possible, you are throwing money away.

  • Low Mileage Discounts – Keeping the miles down on your Honda could qualify for discounted rates on garaged vehicles.
  • Defensive Driving Course – Taking a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will cut the cost of coverage.

Car insurance companies who might offer some of the above discounts may include but are not limited to:

Double check with each insurance company what discounts are available to you. Discounts may not apply in your area.

How to Get Cheap Car Insurance

There are multiple methods to compare 2008 Honda Odyssey car insurance quotes, but one way is less labor-intensive and much quicker. You can waste a lot of time talking to insurance agencies in your area, or you could use online quoting to maximize your effort.

Many popular insurance companies belong to a marketplace where insurance shoppers enter their policy data once, and each participating company returns a rated price based on that data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To find out how much you can save on car insurance click here to start a free quote.

The one disadvantage to using this type of system is you don’t know exactly the insurers to get quotes from. If you would rather choose specific insurance companies to compare, we have a listing of companies who write car insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you use apples-to-apples coverages for every company. If you compare different liability limits it will be next to impossible to determine the best price for your Honda Odyssey.

Impacting insurance rates for a Honda Odyssey

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes some of the items that factor into premiums.

  • Discounts for multiple policies – Some insurance companies give discounts to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, you still need to compare rates to ensure the best deal. Drivers may still find better rates by splitting coverages up.
  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Honda earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Older drivers save more – Young drivers are known to be less responsible in a vehicle so insurance rates are higher. Mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Careful drivers pay lower rates – A bad driving record impacts your car insurance rates tremendously. Even one ticket can increase rates forty percent or more. Good drivers get better rates than people who have multiple driving citations. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • You might want pay the small claims yourself – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies give discounts to insureds who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
  • Are you male or female? – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women tend to get into accidents in similar numbers, but the male of the species cause more damage. Men also tend to have more aggressive citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.

Everyone needs different coverages

When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Am I covered if I hit a deer?
  • Why is insurance for a teen driver so high?
  • Am I covered when driving in Canada or Mexico?
  • Is my ex-spouse still covered by my policy?
  • Is pleasure use cheaper than using my 2008 Honda Odyssey to commute?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Can you really save that much by switching?

Drivers get pounded daily by advertisements for the lowest price auto insurance from companies such as Progressive, Geico, Allstate and State Farm. All the companies say the same thing of big savings after switching your policy.

How do they all say the same thing?

All the different companies are able to cherry pick for the type of customer they prefer to insure. A good example of a desirable insured might be over the age of 40, a clean driving record, and has a high credit rating. A customer who matches those parameters is entitled to the best price and therefore will save quite a bit of money when switching.

Potential insureds who fall outside the requirements must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can claim big savings.

This illustrates why drivers must get as many comparisons as possible. Because you never know the company that will provide you with the cheapest Honda Odyssey insurance rates.

Car insurance coverages for a Honda Odyssey

Learning about specific coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Honda Odyssey.

Because many people 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. Usually these limits are similar to your liability insurance amounts.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for bills for things like funeral costs, rehabilitation expenses, doctor visits, pain medications and ambulance fees. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage – This will pay to fix damage to your Odyssey from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability car insurance – This can cover damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as structural damage, repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects and pain and suffering. How much coverage you buy is up to you, but buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Saving money is sweet as honey

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price.

Drivers who switch companies do it for a variety of reasons including poor customer service, not issuing a premium refund, high prices or even questionable increases in premium. No matter why you want to switch, finding a new company is not as difficult as it may seem.

Low-cost 2008 Honda Odyssey insurance can be found on the web in addition to many insurance agents, so compare prices from both to have the best selection. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

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