1997 Honda Odyssey Insurance Quotes – 7 Tips to Save

Paying for high-priced Honda Odyssey insurance can consume your budget and make it tough to pay other bills. Comparing cost estimates can be a smart way to make ends meet.

Vehicle owners have many car insurance companies to choose from, and although it’s nice to have multiple companies, it can be more challenging to locate the cheapest rates.

You should take the time to compare rates on a regular basis since insurance prices are constantly changing. Just because you found the best rate for Odyssey insurance at your last renewal you will most likely find a better premium rate today. Block out anything you think you know about insurance because you’re going to get a crash course in the right way to save money, get proper coverage and the best rates.

How to compare insurance coverage quotes

Most companies like Allstate and Progressive make it easy to get price estimates on the web. Obtaining pricing is easy for anyone as you simply type in your coverage preferences on the page. After you submit the form their system pulls information on your driving record and credit history and provides a quote based on the data you entered. Quoting online streamlines rate comparisons, but the time it takes to visit multiple sites and type in the same data is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you want to get better prices.

A more efficient way to compare insurance coverage pricing uses just one form to return rates from more than one company. The form is fast, helps eliminate reptitive entry, and makes quoting online much easier to do. Once the form is submitted, it gets priced and you are able to buy any one of the returned quotes.

If you find a better price you can click and sign and buy the new coverage. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in coverages and limits as close as possible to your current policy. This way, you will have an apples-to-apples comparison for exact coverage.

Your situation helps dictate your coverage

When buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you will benefit from professional help.

Should I buy additional glass protection?
Why do I need rental car insurance?
Does my car insurance cover rental cars?
Are rock chip repairs covered?
Am I covered when using my vehicle for business?
Does insurance cover damages from a DUI accident?
When can my company non-renew my policy?
What are the financial responsibility laws in my state?
Am I covered if I crash into my own garage door?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance coverage considerations

Having a good grasp of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most auto insurance policies.

Liability insurance

This coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like repair costs for stationary objects, loss of income, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird, damage from getting keyed and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

This coverage will pay to fix damage to your Odyssey caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, hitting a mailbox, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your 1997 Honda Odyssey.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for surgery, pain medications, chiropractic care and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage