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Honda Odyssey Insurance Rates

You have many choices when insurance shopping for your Honda vehicle. You can buy from your neighborhood insurance agent or go online to check prices from car insurance companies. Finding cheaper auto insurance from online rate quotes can be fast and easy, in addition you will probably save money.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of auto insurance companies competing for your business. Cutting your Odyssey insurance cost doesn't have to be difficult. Drivers just need to take a couple of minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

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Criteria which help determine Odyssey insurance quotes

Insurance rates for a Honda Odyssey can be significantly different depending on several factors. A few of these criteria are:

  • Higher performance Odyssey vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Use of your vehicle
  • Optional coverages like vehicle replacement
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

One last important factor which can affect the rate you pay on your Honda is the year of manufacture. New vehicles have a higher actual cash value so the cost to replace them may end up costing you more. But more recent Honda vehicles may have options including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system that may help give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Odyssey from the following list.

Liability insurance - This coverage will cover injuries or damage you cause to other people or property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision - This will pay to fix damage to your Honda caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Odyssey collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Honda Odyssey Insurance Rates?