Cheaper 2010 Honda Odyssey Insurance Quotes

Searching for cheaper insurance rates for your Honda Odyssey? No one in their right mind likes having to buy insurance, especially knowing the cost is way too high. Many car insurance companies compete for your insurance dollar, so it’s not easy to compare every company to discover the definitive lowest rate possible.

Consumers need to take a look at other company’s rates yearly since insurance rates change quite often. Even if you got the best price on Odyssey insurance a year ago you can probably find a lower rate today. There is too much inaccurate information about insurance online, so I’m going to show you some great ideas on how to find affordable insurance.

If you have a policy now or are shopping for new coverage, you can use this information to find better prices while maintaining coverages. Choosing the best insurance company for you is not that difficult. Drivers just need to understand the proper way to find the lowest price online.

Verify you’re getting all your discounts

Companies don’t always advertise all available discounts very well, so here is a list both well-publicized as well as the least known discounts you could be receiving. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Odyssey insurance than drivers with accidents.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Homeowners Discount – Being a homeowner may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off on Odyssey insurance with select insurance companies.
  • Bundle and Save – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, companies don’t profit that way.

For a list of insurers offering car insurance discounts, follow this link.

When should I talk to an agent?

When it comes to choosing the right insurance coverage, there really is not a “best” method to buy coverage. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • Is motorclub coverage worth it?
  • When should I not file a claim?
  • How does medical payments coverage work?
  • Are my friends covered when driving my car?
  • Should I buy only the required minimum liability coverage?
  • Who is covered when they drive my 2010 Honda Odyssey?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered if I break a side mirror?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Insurance coverage ads bend the truth

Consumers can’t ignore all the ads for the lowest price auto insurance by State Farm, Allstate and Geico. They all seem to say the same thing that you’ll save big if you move to their company.

How does each company make the same claim?

Different companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a preferred risk might be between the ages of 30 and 50, has no tickets, and has excellent credit. Any driver who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.

Consumers who fall outside the “perfect” profile will be quoted more money which usually ends up with business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully state the savings. This emphasizes why drivers should compare as many rates as you can. It’s not possible to predict the company that will fit your personal profile best.

Car insurance coverage information

Knowing the specifics of insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for EMT expenses, ambulance fees, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for collisions

This coverage pays for damage to your Odyssey from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Liability insurance

This can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like emergency aid, legal defense fees, loss of income, court costs and bail bonds. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, falling objects, fire damage, damage from getting keyed and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Honda Odyssey.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Find Good Coverage for Less

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are many occasions where an insured cut uninsured motorist or liability limits and learned later that they should have had better coverage. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

You just read quite a bit of information on how to save on 2010 Honda Odyssey insurance. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers may even find the lowest priced car insurance comes from the smaller companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

Low-cost insurance can be found on the web as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

To read more, take a look at the resources below: