View 2013 Honda Odyssey Insurance Quotes

Finding affordable auto insurance on the internet is challenging for consumers not familiar with buying insurance online. With so many choices of companies in the marketplace, how can consumers effectively compare them all to find the best available price?

It’s a good habit to shop coverage around yearly because prices are constantly changing. Even if you got the best deal on Odyssey insurance two years ago there is a good chance you can find better rates now. There is a lot of bad information regarding auto insurance online, so I’m going to show you some great ways to save money.

Buying the cheapest auto insurance is easy if you know what you’re doing. Basically, every driver who has to buy auto insurance most likely will be able to reduce their rates. Nevertheless, consumers must comprehend the way companies market on the web and take advantage of how the system works.

Compare Car Insurance Today

To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The best way to find the cheapest 2013 Honda Odyssey insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

  • The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method prevents you from having to do a different quote for each company you want a rate for. Just one form will return quotes from several companies. It’s the fastest way to compare.
  • A more difficult way to get comparison quotes is to manually visit the website for every company you want to comare and complete a new quote form. For instance, let’s say you want comparison quotes from Nationwide, Liberty Mutual and Allstate. You would have to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
  • The least efficient way of getting rate comparisons is to spend time driving to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the trained guidance that only a license agent can provide. It is possible to price shop your coverage online but buy from a local insurance agent.

It’s up to you which method you use, but be sure to compare identical information for each comparison quote. If you enter mixed coverages it will be very difficult to find the best deal for your Honda Odyssey. Just a small difference in coverages may result in large price differences. Just remember that getting more free quotes will improve the odds of getting a lower rate.

Cut your premium with discounts

Properly insuring your vehicles can get expensive, but you may find discounts that can drop the cost substantially. Most are applied when you get a quote, but some must be inquired about before you will receive the discount.

  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up online.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on Odyssey insurance depending on your company.
  • Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
  • Resident Student – Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Auto/Home Discount – When you have multiple policies with the same company you will save approximately 10% to 15%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous. Any amount of discount will bring down the amount you have to pay.

Car insurance companies that may have these benefits are:

Before buying, ask all companies you are considering what discounts are available to you. Discounts might not apply everywhere.

Honda Odyssey insurance rates consist of many parts

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that can help you get lower auto insurance prices.

  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • An active claims history can cost you – Companies award better rates to policyholders who do not file claims often. If you are a frequent claim filer, you can expect higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
  • Traffic citations inflate rates – A bad driving record has a huge affect on how much you pay. Even one moving violation can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than their less careful counterparts. If you have dangerous violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Do you have enough liability coverage? – Liability insurance will protect you when you are found liable for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Don’t get talked into coverage you don’t need – There are a lot of additional coverages that you can get tricked into buying when buying auto insurance. Things like personal injury protection, accidental death and motor club memberships are some examples. They may seem good at first, but if you don’t need them remove them from your policy.
  • Do you work long hours in a high stress job? – Careers like doctors, business owners and dentists tend to pay the highest average rates due to stressful work requirements and lengthy work days. Other professions such as actors, historians and the unemployed have the lowest average rates on Odyssey insurance.
  • Do you know you’re credit rating? – Credit score is a huge factor in calculating your auto insurance rates. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit. So if your credit history is low, you could save money insuring your 2013 Honda Odyssey by repairing your credit.

What is the best insurance coverage?

When choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

  • Who is covered by my policy?
  • How much liability coverage do I need in my state?
  • Am I covered if I crash into my own garage door?
  • Does coverage extend to my business vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my teenager covered with friends in the car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Can you really save that much by switching?

State Farm, Geico and Progressive constantly bombard you with ads on TV and radio. All the companies say the same thing that you can save if you switch to them. But how can every company make the same claim? It’s all in the numbers.

Insurance companies are able to cherry pick for the right customer that earns them a profit. For example, a driver they prefer could possibly be between the ages of 30 and 50, has no driving citations, and has a short commute. A driver that hits that “sweet spot” receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who are not a match for this ideal profile will be charged a more expensive rate which usually ends up with business not being written. The ads say “drivers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can confidently state the savings.

That is why you need to get as many comparisons as possible. It is impossible to predict which insurance companies will provide you with the cheapest Honda Odyssey insurance rates.

Insurance policy coverages for a 2013 Honda Odyssey

Knowing the specifics of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims. 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. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as bail bonds, funeral expenses, repair costs for stationary objects, court costs and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Honda Odyssey.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle and vandalism. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

Collision insurance will pay to fix damage to your Odyssey caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses for ambulance fees, hospital visits, dental work, rehabilitation expenses and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

A penny saved is a penny earned

Drivers leave their current company for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, denial of a claim or even extreme rates for teen drivers. Whatever your reason, finding the right car insurance provider can be easy and end up saving you some money.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There are a lot of situations where someone dropped full coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Lower-priced 2013 Honda Odyssey insurance can be purchased from both online companies and also from your neighborhood agents, and you need to price shop both to have the best rate selection. A few companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

More detailed car insurance information is available in the articles below: