Pay Less for Honda Odyssey Insurance in Five Minutes or Less

Expensive car insurance can take a big chunk out of your savings account and put a big crunch on your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Consumers have many insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, it can be more difficult to compare rates and cut insurance costs.

Finding the best rates is not that difficult. Just about every driver who has to buy car insurance will most likely be able to find lower rates. Nevertheless, car owners must understand how big insurance companies market insurance on the web and take advantage of how the system works.

Do you qualify for discounts?

Auto insurance companies do not advertise every available discount very clearly, so we break down some of the best known as well as the least known ways to save on car insurance.

  • Drivers Ed for Students – Have your child successfully complete driver’s ed class if offered at their school.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Paperwork-free – A few companies may give you up to $50 just for signing your application online.
  • Auto/Home Discount – When you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.

Keep in mind that most credits do not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

To choose providers who offer car insurance discounts, click here to view.

Which Car Insurance is Cheapest?

Most major insurance companies such as Allstate, GEICO and Progressive allow you to get prices for coverage on the web. Getting online rates doesn’t take a lot of time as you just type in your required coverages as detailed in the form. After the form is submitted, the company’s rating system pulls reports for credit and driving violations and returns a price based on many factors. This streamlines rate comparisons, but the work required to visit multiple sites and fill out multiple forms can get tiresome after awhile. But it is imperative to have as many quotes as possible if you are searching for better car insurance pricing. car insurance

Quote rates the easy way

A quicker way to compare car insurance pricing utilizes a single form that analyzes rates from several companies at one time. It saves time, eliminates form submissions, and makes rate comparisons much easier. After your information is entered, it gets priced and you are able to buy any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. It only takes a few minutes and you will find out if you’re overpaying now.

In order to find out how much you can save on car insurance, click here to open in new window and fill out the form. If you currently have coverage, we recommend you input the insurance coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will have a fair comparison for similar coverage.

These factors can influence what you pay for Honda Odyssey insurance

Smart consumers have a good feel for the different types of things that go into determining the price you pay for car insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with better car insurance rates.

  • Tickets mean higher rates – Your driving record impacts your car insurance rates tremendously. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Even a single ticket may increase your cost forty percent or more. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • More people means more accidents – Living in a small town can save you money when talking about car insurance. Urban drivers have to deal with traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
  • Better credit scores mean better rates – Credit score is a huge factor in calculating your car insurance rates. So if your credit score is lower than you’d like, you could pay less to insure your Honda Odyssey by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers with poor credit.
  • Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Never allow your policy to lapse – Allowing your coverage to lapse is a quick way to increase your car insurance rates. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Jobs such as judges, business owners and dentists tend to have the highest average rates due to stressful work requirements and long work hours. Other jobs such as farmers, historians and homemakers receive lower rates on Odyssey coverage.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages you can purchase if you aren’t careful. Coverages for vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. They may seem good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Rate your vehicle for proper use – The more miles you rack up on your Honda every year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy is rated on how each vehicle is driven. Incorrect usage on your Odyssey may be costing you.

Don’t assume everyone needs the same coverage

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you could use an agent’s help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What can I do if my company denied a claim?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does medical payments coverage apply to all occupants?
  • At what point should I drop full coverage?
  • Is business equipment covered while in my vehicle?
  • Do I need higher deductibles?
  • What if I don’t agree with a claim settlement offer?
  • How much liability coverage do I need in my state?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Car insurance myths debunked

Companies like Allstate, GEICO and Progressive regularly use ads on TV and radio. All the ads make an identical promise that you can save if you move your policy. How do they all say the same thing?

All the different companies are able to cherry pick for the right customer that earns them a profit. An example of a driver they prefer could possibly be between 25 and 40, has no prior claims, and drives newer vehicles. Any driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don’t meet the requirements will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “people who quote” save that kind of money. That is how companies can state the savings. Because of the profiling, you need to quote coverage with many companies. It’s impossible to know the company that will give you the biggest savings.

A little work can save a LOT of money

We covered many ideas to lower your Honda Odyssey insurance rates. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates compared to the large companies like Allstate, GEICO and Progressive.

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where someone dropped collision coverage only to regret at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at the best price while not skimping on critical coverages.