Lower Your 1996 Honda Odyssey Insurance Quotes

Looking for better auto insurance rates for your Honda Odyssey? Having to pay for overpriced Honda Odyssey insurance can dwindle your bank account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.

Because you have many auto insurance companies to choose from, it can be impossible to find the most cost effective insurer.

It’s a good habit to compare prices occasionally because insurance rates change frequently. Even if you got the best deal on Odyssey coverage on your last policy you will most likely find a better rate today. There is too much inaccurate information about auto insurance on the internet, so I’m going to show you a bunch of ideas how to save money.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be inquired about before you get the savings.

  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break on your policy on Odyssey coverage.
  • Safety Course Discount – Completing a driver safety course could cut 5% off your bill if your company offers it.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Resident Student – Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • E-sign – Some insurance companies will give a small break simply for signing over the internet.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Senior Citizens – Older drivers may be able to get a small decrease in premiums on Odyssey coverage.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if it’s offered in school.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will help reduce the cost of coverage.

Companies that may have these discounts may include but are not limited to:

Check with every prospective company which discounts they offer. All car insurance discounts might not apply everywhere.

There’s no such thing as the perfect policy

When buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions may help you determine if you would benefit from an agent’s advice.

  • Which is better, split liability limits or combined limits?
  • Does my 1996 Honda Odyssey need full coverage?
  • Should I buy additional glass protection?
  • Do I need roadside assistance coverage?
  • Will my rates increase for filing one claim?
  • Is my state a no-fault state?
  • Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Specifics of your insurance policy

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, damage from a tornado or hurricane, a broken windshield, damage from getting keyed and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, colliding with a tree, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses such as prosthetic devices, pain medications, EMT expenses and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like pain and suffering, funeral expenses, structural damage, legal defense fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

The bottom line

Cost effective 1996 Honda Odyssey insurance is definitely available from both online companies and also from your neighborhood agents, and you should be comparing both to have the best rate selection. A few companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

We’ve covered some good ideas how to compare insurance prices online. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest premiums are with a lesser-known regional company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone dropped comprehensive coverage or liability limits and learned later that it was a big error on their part. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Additional auto insurance information is located at these links: