2013 Honda Odyssey Insurance Quotes – 10 Ideas for Cheapest Rates

Searching for affordable insurance online is impossible for people who are new to comparison shopping online. With dozens of insurers to choose from, how can you possibly compare the different rates to find the cheapest rates?

Consumers should take time to take a look at other company’s rates quite often since rates trend upward over time. Even if you think you had the best price on Odyssey insurance on your last policy there is a good chance you can find better rates now. Don’t believe everything you read about insurance on the internet, so we’re going to give you a bunch of ideas how to slash your insurance rates.

Finding the lowest cost coverage is not that difficult. Just about every vehicle owner who carries insurance will more than likely be able to find lower rates. But consumers must understand how companies sell online and take advantage of how the system works.

Insurance Comparisons

Comparing insurance rates can be a lot of work if you don’t know the best way to get rate quotes. You could waste time talking to local insurance agents in your area, or you can stay home and use online quoting to quickly compare rates.

Many companies participate in an industry program that enables customers to complete one form, and at least one company provides a quote based on the submitted data. This eliminates the need for quote forms for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The one downside to pricing coverage this way is that consumers can’t choose which insurance companies you want pricing from. So if you want to choose individual companies to compare rates, we have a page of insurance companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using exactly the same coverage information on every quote. If you enter different values for each quote you can’t possibly determine which rate is truly the best. Having just a slight variation in coverage limits may result in a large different in cost. And when comparing insurance rates, know that obtaining a wide range of quotes helps locate better pricing.

Lower rates by qualifying for these ten discounts

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Most are applied at the time of purchase, but a few need to be specifically requested prior to receiving the credit.

  • Memberships – Affiliation with a professional or civic organization may earn a discount when shopping for insurance coverage on Odyssey insurance.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Government Employees – Simply working for the federal government can save as much as 8% on Odyssey insurance with select insurance companies.
  • Drive Less and Save – Fewer annual miles on your Honda can earn lower rates on the low mileage vehicles.
  • No Charge for an Accident – Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Defensive Driving Course – Completing a defensive driving course can save you 5% or more depending on where you live.
  • Student in College – Children who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Claim Free – Claim-free drivers can save substantially compared to bad drivers.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will reduce your premiums.

For a list of providers who offer insurance coverage discounts, follow this link.

Car insurance is unique, just like you

When it comes to buying coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • How high should my medical payments coverage be?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when delivering products for my home-based business?
  • Can my teen drive my company car?
  • What discounts do I qualify for?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate regularly use television and radio advertisements. All the ads make the same claim that you can save if you move to them. How does each company make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the driver that makes them money. A good example of a desirable insured might be over the age of 40, is a homeowner, and has a high credit rating. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who do not match these standards must pay more money and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save that much. This is how companies can make the claims of big savings.

This illustrates why it’s extremely important to compare many company’s rates. It’s just too difficult to predict which insurance companies will have the lowest Honda Odyssey insurance rates.

Auto insurance coverages and their meanings

Knowing the specifics of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses for things like pain medications, EMT expenses, nursing services and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to 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

Collision insurance

This will pay to fix damage to your Odyssey from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Honda Odyssey.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for claims like fire damage, damage from a tornado or hurricane, hail damage, damage from flooding and theft. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, medical expenses, structural damage and bail bonds. How much coverage you buy is up to you, but consider buying as large an amount as possible.

The best insurance company isn’t always the cheapest

Cheap 2013 Honda Odyssey insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, do not reduce coverage to reduce premium. There have been many cases where drivers have reduced full coverage only to find out that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.

In this article, we presented many ideas to get a better price on insurance. The most important thing to understand is the more you quote, the better your comparison will be. Consumers could even find that the best prices are with a smaller regional carrier.

Additional insurance information can be found at the links below