Compare 1997 Honda Odyssey Insurance Quotes

Want better insurance coverage rates for your Honda Odyssey? Trying to find better insurance prices for your Honda Odyssey can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to shop for insurance coverage and you need to know the proper way to get price quotes for a new or used Honda and find the cheapest rates from both online companies and local agents.

It’s smart to get comparison quotes periodically since rates are rarely the same from one policy term to another. Just because you had the lowest rates on Odyssey insurance on your last policy you can probably find a better price now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to one of the quickest ways to find better coverage at a better price.

Factors that can influence insurance rates for a Honda Odyssey

An important part of buying insurance is that you know the rating factors that help determine the price you pay for auto insurance. Knowing what determines base rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Lower rates come with age – Youthful drivers have a tendency to get distracted easily when driving so they pay higher auto insurance rates. Having to add a youthful driver to your auto insurance policy can be quite pricey. More mature drivers are more responsible, file fewer claims and tend to be better behind the wheel.
  • Do you need the policy add-ons? – There are a ton of extra bells and whistles you can purchase on your auto insurance policy. Coverages like personal injury protection, better glass coverage and term life insurance are some examples. They may seem good at first, but if they’re wasting money get rid of them and save.
  • Cautious drivers pay less – Even one moving violation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. If you have dangerous violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Liability coverage is cheap – Liability coverage is the protection in the event that you are found liable for damages caused by your negligence. It provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not skimp.

Low Cost Car Insurance

Getting a cheaper price on 1997 Honda Odyssey insurance is a fairly straight forward process. Just take time to get quotes provided by online insurance companies. This can be done in a couple of different ways.

  1. The recommended way to get quotes is an all-inclusive rate comparison click to view form in new window. This easy form keeps you from doing multiple quote forms for each company. One simple form gets rate comparisons from several companies. Just one form and you’re done.
  2. Another way to compare rate quotes is spending the time to visit each individual company website and request a quote. For sake of this example, let’s say you want comparison quotes from Liberty Mutual, State Farm and GEICO. You would have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient way to compare rates is to spend time driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you want the professional advice that only a license agent can provide. However, consumers can obtain prices from the web but buy from a local insurance agent. We’ll cover that shortly.

Whichever method you choose, ensure you are comparing identical coverages for each price quote. If you are comparing higher or lower deductibles it will be next to impossible to decipher which rate is best.

Are you getting all your discounts?

Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be asked about in order for you to get them. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • No Accidents – Claim-free drivers pay less when compared with frequent claim filers.
  • Safe Drivers – Safe drivers can pay as much as 50% less on Odyssey insurance than drivers with accidents.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance policy can get a discount on all vehicles.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Low Mileage – Fewer annual miles on your Honda can earn a substantially lower rate.

A little note about advertised discounts, most discounts do not apply the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, insurance companies aren’t that generous. But all discounts will help reduce the cost of coverage.

To see a list of providers offering insurance discounts, click this link.

When might I need an agent?

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Does insurance cover damages from a DUI accident?
  • Do I need an umbrella policy?
  • At what point should I drop full coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Does medical payments coverage apply to all occupants?
  • Is business property covered if stolen from my car?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Coverages available on your auto insurance policy

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1997 Honda Odyssey.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Auto liability insurance

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, structural damage, medical services and legal defense fees. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Auto collision coverage

This coverage covers damage to your Odyssey resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, hitting a parking meter, rolling your car, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for things like EMT expenses, rehabilitation expenses and nursing services. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, theft and hitting a deer. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Buy Smart and Save

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

The cheapest 1997 Honda Odyssey insurance is attainable online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer online price quotes and these regional insurance providers work with independent agents.

You just learned some good ideas how to save on insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the biggest savings come from some of the lesser-known companies.

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