Cheap 2017 Honda Odyssey Car Insurance Rates

Searching for better insurance rates for your Honda Odyssey? Locating better insurance prices for a Honda Odyssey can turn out to be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to buy insurance so you’re going to learn the proper way to get price quotes for a new or used Honda and obtain the lowest price either online or from local insurance agents.

It’s a good habit to do rate comparisons once or twice a year because insurance prices are constantly changing. Even if you think you had the lowest rates for Odyssey insurance on your last policy you may be paying too much now. Forget all the misinformation about insurance because we’re going to show you how to use online quotes to save money, get proper coverage and the best rates.

If you are insured now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Locating affordable auto insurance coverage is quite easy. Drivers just need to learn the proper way to compare price quotes over the internet.

How to buy insurance coverage online

All the larger insurance coverage companies such as Progressive, Geico, Allstate and State Farm provide prices online. Getting prices online is pretty painless as you simply type in into the form. Behind the scenes, their rating system requests information on your driving record and credit history and returns pricing information.

This simplifies rate comparisons, but the process of having to visit several different sites and type in the same data is a big time waster. But it is imperative to have as many quotes as possible in order to get the lowest possible prices on insurance coverage.

There is a better way!

An easier way to get multiple rate quotes uses one simple form that analyzes rates from more than one company. It saves time, eliminates repetitive work, and makes online shopping much simpler. After sending your information, it is rated with multiple companies and you can pick your choice of the price quotes you receive. If a lower price is quoted, you can click and sign and buy the new coverage. This process takes just a few minutes to complete and could lower your rates considerably.

To save time and find out what other companies charge, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you duplicate the coverage information as shown on your current policy. This ensures you will be getting rate comparison quotes for similar insurance coverage.

Discounts for lower-cost car insurance quotes

Car insurance is expensive, but there’s a good chance there are discounts that may help make it more affordable. Some of these disounts will be visible at the time you complete a quote, but less common discounts must be inquired about before you get the savings.

  • Driving Data Discount – People who choose to allow companies to spy on vehicle usage by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they show good driving skills.
  • Homeowners Pay Less – Being a homeowner can help you save on car insurance because owning a home requires personal responsibility.
  • Club Memberships – Having an affiliation with certain professional organizations is a good way to get lower rates on your policy.
  • Accident Forgiveness Coverage – Not necessarily a discount, but companies like Allstate, Progressive, and Geico will let one accident slide without getting socked with a rate hike if your claims history is clear prior to the accident.
  • Seat Belts Save – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Multi-Vehicle Discounts – Insuring several vehicles with one company can get a discount for every vehicle.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Military Rewards – Having a deployed family member may lower your prices slightly.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
  • Multi-policy Discount – If you can combine your auto and homeowners policy with the same company you may save at least 10 to 15 percent or more.

As a sidenote, most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, you won’t be that lucky.

A few of the larger companies and a selection of discounts include:

  • State Farm policyholders can earn discounts including passive restraint, accident-free, driver’s education, good student, Steer Clear safe driver discount, anti-theft, and multiple autos.
  • Farmers Insurance discounts include early shopping, teen driver, multi-car, electronic funds transfer, switch companies, and distant student.
  • Progressive has discounts for multi-policy, continuous coverage, multi-vehicle, homeowner, online signing, and online quote discount.
  • Geico may have discounts that include air bags, emergency military deployment, five-year accident-free, military active duty, and defensive driver.
  • Auto-Owners Insurance includes discounts for good student, anti-theft, student away at school, paperless, and safe vehicle.
  • The Hartford may offer discounts for bundle, good student, driver training, defensive driver, and air bag.
  • Farm Bureau may include discounts for multi-vehicle, 55 and retired, multi-policy, safe driver, youthful driver, and renewal discount.
  • USAA offers discounts including vehicle storage, new vehicle, loyalty savings, family discount, and military installation.

If you need lower rates, check with each company or agent which discounts you qualify for. A few discounts might not be offered in your area. To locate providers offering car insurance discounts, follow this link.

You may need specialized insurance coverage coverage

When it comes to buying adequate coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions may help highlight if your situation could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • Can I still get insurance after a DUI?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is the minimum liability in my state?
  • What is UM/UIM insurance?
  • Does car insurance cover theft of personal property?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are my tools covered if they get stolen from my vehicle?
  • Do all my vehicles need collision coverage?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these 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, fill out this quick form. It’s fast, free and may give you better protection.

Insurance coverage specifics

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, prosthetic devices and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, a broken windshield and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

This will cover damage that occurs to a person or their property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, sideswiping another vehicle, crashing into a ditch, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.