1997 Honda Odyssey Car Insurance Rates – 7 Savings Tips

Trying to find the cheapest car insurance rates for your Honda Odyssey? Are you tired of paying out the nose each month for car insurance? You’re in the same situation as millions of other consumers. There is such a variety of insurers to purchase coverage from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.

How to Get Cheap Car Insurance

All major car insurance companies quote pricing on the web. Getting online quotes is fairly simple as you simply enter your personal and coverage information into a form. When the form is submitted, the system automatically retrieves reports for credit and driving violations and generates a price based on these factors. Online price quotes simplifies rate comparisons, but the process of having to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it is imperative to do this in order to find better car insurance pricing.

Quote rates the easy way

A less time-consuming method to get multiple rate quotes utilizes a single form that gets price quotes from multiple companies. The form is fast, helps eliminate reptitive entry, and makes online price comparison much more enjoyable and efficient. After your information is entered, it gets priced and you can choose your choice of the quotes returned.

If you find a better price you simply finish the application and purchase coverage. It can be completed in less than 10 minutes and may result in a nice savings.

If you want to compare rates using this form now, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you duplicate the coverage information as shown on your current policy. This ensures you’re receiving an apples-to-apples comparison using the exact same coverages.

How can Progressive, Geico, Allstate and State Farm save drivers who switch?

Consumers can’t ignore all the ads for car insurance savings by Progressive, Geico, Allstate and State Farm. All the companies make the same claim that you can save if you switch to their company.

But how can every company claim to save you money?

Different companies have a preferred profile for the type of customer that earns them a profit. For instance, a desirable insured might be a mature driver, a clean driving record, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will get very good rates and therefore will save when switching.

Drivers who are not a match for the requirements will be charged more money and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully state the savings.

That is why it’s extremely important to compare as many rates as you can. It’s not possible to predict which car insurance company will have the lowest Honda Odyssey insurance rates.

Are you getting all your discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Most are applied when you purchase, but some may not be applied and must be manually applied before being credited. If you don’t get every credit available, you’re just leaving money on the table.

  • Homeowners Savings – Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Early Switch Discount – Select companies give a discount for switching to them before your current expiration date. It’s a savings of about 10%.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • 55 and Retired – If you’re over the age of 55, you may receive reduced rates on Odyssey coverage.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Odyssey coverage than drivers with accidents.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will cut your premiums.

For a list of providers with the best auto insurance discounts, click here.

When might I need an agent?

When buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you will benefit from professional help.

  • Can my teen driver be rated on a liability-only vehicle?
  • What discounts do I qualify for?
  • Should I rate my 1997 Honda Odyssey as pleasure use or commute?
  • Is my 1997 Honda Odyssey covered for smoke damage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I make deliveries for my home business?
  • Should I have a commercial auto policy?
  • Am I covered by my spouse’s policy after a separation?
  • Is a blown tire covered by insurance?
  • Do I need an umbrella policy?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Knowing the specifics of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses such as funeral costs, hospital visits, pain medications and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

This coverage covers damage to your Odyssey resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, crashing into a building, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a bird, damage from getting keyed, fire damage and damage from flooding. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

Liability insurance will cover damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as repair bills for other people’s vehicles, emergency aid, funeral expenses, pain and suffering and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Honda Odyssey.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Keep this in mind

Discount 1997 Honda Odyssey insurance can be purchased on the web and with local insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and most of the time these smaller companies sell through independent agents.

When you buy insurance online, never sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability coverage limits only to regret at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the best price while still protecting your assets.

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