1999 Honda Odyssey Car Insurance Quotes

Trying to come up with a payment for high-priced car insurance can overdraw your checking account and maybe even restrict other spending.

Consumers have many insurers to pick from, and though it is a good thing to be able to choose, it can be more difficult to find the lowest rates.

It’s important to compare prices on a regular basis because rates are constantly changing. Even if you got the best premium rates for Odyssey insurance at your last renewal a different company probably has better prices today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the right way to reduce your cost while improving coverage.

The purpose of this article is to introduce you to how car insurance quotes work and some tricks to saving. If you have car insurance now, you stand a good chance to be able to save some money using these methods. But car owners should learn how insurance companies determine prices.

How to buy auto insurance online

There are multiple methods to shop for auto insurance, but there is one way that is easier and takes less work. You could waste a few hours talking about coverages with agents in your area, or you could save time and use online quotes to achieve your goal.

Most major companies participate in a marketplace where prospective buyers enter their policy data once, and each company can give them a price based on that information. This prevents consumers from doing form submissions to every company.

To find out what other companies charge click here (opens in new window).

One minor caviat to using this type of system is buyers cannot specifically choose which providers you want pricing from. If you wish to select from a list of companies to receive pricing from, we have a page of low cost auto insurance companies in your area. Click to view list.

Whichever way you use, try to keep identical coverage information for every quote you compare. If the quotes have different liability limits you will not be able to get a fair rate comparison. Slightly different limits can make a big difference in price. Just remember that getting more free quotes helps you find a lower rate than you’re paying now. Some regional insurers cannot provide online quotes, so it’s recommended that you also compare prices from those companies as well.

Discount insurance coverage rates

Some providers don’t always publicize every available discount very well, so the below list has a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

  • Multiple Cars – Buying coverage for multiple cars or trucks with one company can get a discount for every vehicle.
  • Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% off the personal injury premium cost.
  • E-sign Discounts – A handful of companies will give you a small discount get car insurance digitally online.
  • Onboard Data Collection – Drivers who elect to allow their insurance company to look at driving patterns by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they show good driving skills.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

To view providers that offer many of these discounts, click here.

Tailor your insurance coverage to you

When choosing adequate coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different so your insurance should reflect that These are some specific questions could help you determine whether you may require specific advice.

  • When should I not file a claim?
  • Is a blown tire covered by insurance?
  • Will my rates increase for filing one claim?
  • When should I remove comp and collision on my 1999 Honda Odyssey?
  • How much liability coverage do I need in my state?
  • What can I do if my company denied a claim?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Seven things that influence your insurance rates

A large part of saving on car insurance is knowing some of the things that are used to determine the level of your policy premiums. If you have a feel for what controls the rates you pay, this enables informed choices that may result in much lower annual insurance costs. Lots of things are used in the calculation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are more transparent such as whether you are married or your commute time.

  • Policy add-ons could be costing you – There are a ton of add-on coverages that you can get tricked into buying if you aren’t careful. Things like vanishing deductibles, accidental death, and additional equipment coverage could be just wasting money. They may seem good when buying your policy, but if you have no use for them get rid of them and save.
  • Multi-policy discounts can save money – Some car insurance companies provide better rates to insureds that buy multiple policies in the form of a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to shop around to verify if the discount is saving money.
  • Job and insurance car insurance rates – Did you know your career choice can influence rates? Careers such as doctors, social workers and dentists tend to have higher premium rates because of intense work situations and lots of time spent at work. On the flip side, occupations like scientists, engineers and the unemployed receive lower rates for Odyssey insurance.
  • Good drivers pay the best rates – How you drive can have a huge impact on auto insurance premiums. Drivers with clean records pay less for auto insurance compared to bad drivers. Getting just one citation could increase your next policy renewal substantially. Drivers who have gotten multiple violations such as DUI or reckless driving may be required to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
  • Liability insurance safeguards assets – Your car insurance policy’s liability coverage is the protection in the event that a court rules you are at fault for damages caused by your negligence. It will provide for a legal defense which can cost a lot. Liability is cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Poor credit decisions can cost you – A driver’s credit rating is likely to be a major factor in determining your rates. If your credit rating is lower than you’d like, you could save money insuring your 1999 Honda Odyssey by taking the time to improve your credit score. Insureds that have good credit tend to be better drivers and file fewer claims as compared to drivers with bad credit.
  • Safer occupants lowers rates – Safer cars are cheaper to insure. Highly rated vehicles reduce injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.

Insurance coverage considerations

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as funeral costs, dental work and hospital visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a building, rolling your car, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Liability coverages

This coverage protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, legal defense fees, structural damage, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, fire damage, damage from getting keyed, falling objects and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

A fool and his money are soon parted

Cost effective 1999 Honda Odyssey insurance is definitely available both online in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance companies may not provide online quoting and most of the time these smaller providers provide coverage only through independent insurance agents.

When searching for affordable car insurance quotes, do not buy less coverage just to save a little money. In many instances, an insured dropped liability coverage limits and discovered at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

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