1999 Honda Odyssey Car Insurance Rates

Searching for better insurance coverage rates for your Honda Odyssey? Finding low-cost insurance coverage over the internet may be difficult for beginners to comparing rates online. With dozens of companies in the marketplace, how can you have a chance to compare them all to find the best available rates?

How much can you save with discounts?

Car insurance is not cheap, but you can get discounts that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but some must be requested specifically in order for you to get them.

  • Auto/Life Discount – Larger companies have a break if you buy life insurance.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Odyssey coverage than drivers with accidents.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts up to 30%.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
  • College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Accident Free – Claim-free drivers can earn big discounts when compared to accident-prone drivers.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

To see a list of insurers with the best insurance coverage discounts, follow this link.

Car Insurance Comparison Rates

There are several ways to get quotes and find the best price. The quickest method to find the cheapest 1999 Honda Odyssey insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

  1. One of the simplest ways to get quotes for comparison is a comparison rater form click here to open form in new window. This method eliminates the need for repetitive form entry for each company. Completing one form will get you price quotes instantly. This is perfect if you don’t have a lot of time.
  2. A more difficult way to get quotes online is spending the time to visit the website of each company to request a price quote. For sake of this example, we’ll assume you want to compare rates from Auto-Owners, Liberty Mutual 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 handy list of car insurance company links in your area, click here.
  3. The hardest way to get comparison rates is to spend your day driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the trained guidance of a licensed agent. Drivers can find lower rates online and get advice from an agent in your area and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just compare the exact same coverages with each company. If you use different liability limits it will be impossible to truly determine the lowest rate. Slightly different coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate the best offered rates.

Why your Honda Odyssey might be costing you more

Smart consumers have a good feel for the different types of things that go into determining your insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

Listed below are a few of the “ingredients” companies use to determine rates.

  • Consolidate policies to earn discounts – Many insurance companies provide better rates to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare rates to verify if the discount is saving money.
  • Do you need those extra coverages? – There are a lot of add-on coverages that can waste your money on your insurance policy. Coverages for rental car reimbursement, accident forgiveness and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so eliminate them to save money.
  • An active claims history can cost you – Insurance companies give discounts to people who do not rely on their insurance for small claims. If you file claims often, you can expect either a policy non-renewal or much higher rates. Car insurance is designed for larger claims.
  • Clean credit earns discounts – Having a bad credit score is a important factor in your rate calculation. So if your credit rating is lower than you’d like, you could save money insuring your 1999 Honda Odyssey by improving your credit score. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with poor credit.
  • Liability coverage is peace of mind – Liability coverage is the coverage that protects you when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • High deductibles save money – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Honda. A few examples of covered claims could be collision with another vehicle, damage from fire, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more you have to pay, the bigger discount you will receive for Odyssey coverage.

How much car insurance do I need?

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your situation could use an agent’s help.

  • Am I covered if hit by an uninsured driver?
  • Who is covered by my policy?
  • Should I bundle my homeowners policy with my auto?
  • How can I get my company to pay me more for my totalled car?
  • Why does it cost so much to insure a teen driver?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do all my vehicles need collision coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Slick advertising tricks that work

Insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to make the same claim that you’ll save big if you switch to their company. But how can every company say the same thing?

Different companies are able to cherry pick for the type of customer they prefer to insure. A good example of a driver they prefer could be over the age of 40, insures multiple vehicles, and has a high credit rating. A customer getting a price quote who fits that profile will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t meet this ideal profile will have to pay a higher premium and ends up with business going elsewhere. The ads say “customers that switch” not “everybody who quotes” save money. This is how companies can advertise the way they do.

Because of the profiling, it is so important to compare as many rates as you can. It’s not possible to predict which company will give you the biggest savings on Honda Odyssey insurance.

Car insurance coverage options for a 1999 Honda Odyssey

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


This can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as court costs, legal defense fees, structural damage and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for pain medications, surgery, hospital visits, EMT expenses and nursing services. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, vandalism, theft and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

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

Collision coverage protects against things such as hitting a mailbox, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Odyssey.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Online plus local equals savings

We just presented quite a bit of information on how to reduce 1999 Honda Odyssey insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the best price on car insurance is with the smaller companies.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced physical damage coverage only to find out that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Insureds who switch companies do it for a variety of reasons including delays in responding to claim requests, policy cancellation, questionable increases in premium and even being labeled a high risk driver. No matter why you want to switch, finding a new car insurance company is actually quite simple.

More information can be found at the links below