Cheaper 2002 Honda Odyssey Insurance Quotes

Have you had enough of not being able to afford to pay your car insurance bill each month? Your situation is no different than many other drivers.

Multiple insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer and get the definite lowest cost out there.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Buying car insurance is easy if you know what you’re doing. Nevertheless, car owners need to have an understanding of how companies sell online and take advantage of how the system works.

How to Compare Insurance Coverage Rates

The are a couple different ways to compare rate quotes and find the best price. The fastest way to find the lowest 2002 Honda Odyssey rates consists of shopping online. This can be accomplished in several different ways.

  1. One of the best ways to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method eliminates the need for a different quote for each company. One form submission will get you price quotes from many national carriers.
  2. A different way to shop for insurance coverage online is going to each company’s website to complete their respective quote request forms. For instance, let’s say you want to compare USAA, Liberty Mutual and Travelers. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare identical coverage limits for every company. If you have different values for each quote you can’t possibly determine the lowest rate for your Honda Odyssey. Just a small difference in coverages could mean much higher rates. And when price shopping your coverage, comparing more company’s prices will improve the odds of getting a better price.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at the time of purchase, but less common discounts must be asked about in order for you to get them.

  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.

Drivers should understand that most discount credits are not given to the entire cost. Most cut specific coverage prices like comprehensive or collision. So even though they make it sound like you could get a free insurance policy, companies wouldn’t make money that way. Any qualifying discounts will cut the cost of coverage.

Insurance companies that may offer these money-saving discounts include:

Double check with each company which discounts they offer. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When choosing coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions can aid in determining whether or not you would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Can I still get insurance after a DUI?
  • Is my custom paint covered by insurance?
  • Where can I find DUI or SR-22 insurance?
  • Is upholstery damage covered by car insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Are rental cars covered under my policy?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from auto insurance companies.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Odyssey.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability – This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, funeral expenses, court costs, legal defense fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, damage from flooding and vandalism. The maximum payout your auto insurance company will pay 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.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as chiropractic care, prosthetic devices and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.