2017 Honda Odyssey Insurance Quotes – 5 Discounts for Best Rates

If price shopping auto insurance quotes online is new to you, chances are good that you are baffled by the sheer number of companies offering coverage.

Buy auto insurance online

When shopping for auto insurance there are multiple ways of comparing rates from many auto insurance companies in your state. The best method to find the cheapest 2017 Honda Odyssey insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

1. Experts agree that the best way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This form saves time by eliminating multiple quote forms for each company. One form submission gets rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
2. A more difficult way to find lower rates is spending the time to visit the website of each company to complete a price quote. For instance, we’ll pretend you want to view quotes from State Farm, Allstate and Liberty Mutual. To get rate quotes you would need to go to each individual site and type in your information over and over, which is why the first method is more popular.

   To view a list of companies in your area, click here.

3. The least efficient and most time consuming method to do your price quoting is to spend your day driving to different agent offices. Comparing rate quotes online has reduced the need for local agents unless you prefer the professional assistance that you can only get from talking to an agent. However, consumers can compare the best prices online but purchase the actual policy in an agency.

It’s up to you which method you use, but ensure you are comparing equivalent coverages on every quote you get. If you use different coverage information you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages may result in large price differences. And when comparing auto insurance rates, know that comparing more company’s prices helps increase your odds of locating the best rates. Some regional insurers cannot provide online rate quotes, so it’s important to compare price quotes from those companies as well.

When to get professional advice

When it comes to buying coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions might point out whether you may require specific advice.

• Does my policy pay for OEM or aftermarket parts?
• Does insurance cover tools stolen from my truck?
• Does car insurance cover theft of personal property?
• Is my nanny covered when driving my vehicle?
• Are my friends covered when driving my 2017 Honda Odyssey?
• Do I pay less if my vehicle is kept in my garage?
• What is roadside assistance coverage?
• How can I get high-risk coverage after a DUI?
• Do I need medical payments coverage since I have good health insurance?
• If I drive on a suspended license am I covered?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2017 Honda Odyssey.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability car insurance – This will cover damage or injury you incur to other’s property or people by causing an accident. 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 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, loss of income, repair costs for stationary objects, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, hitting a parking meter, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for immediate expenses such as hospital visits, chiropractic care, doctor visits and surgery. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.