How Much Does 2011 Honda Odyssey Insurance Cost?

Searching for lower car insurance rates for your Honda Odyssey? Are you overwhelmed by the crazy number of car insurance providers available to you? people have such a large number of options that it can be a ton of work to find the lowest price.

How to find low cost auto insurance

To find inexpensive car insurance quotes, there are several ways to obtain and compare prices from many auto insurance companies in your state. The best way to find the cheapest 2011 Honda Odyssey insurance rates is to jump online and get quotes. It’s really quite simple and can be done by using one of the methods below.

If you don’t have a lot of time, the easiest way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing repetitive form submissions for every company. Taking the time to complete one form gets rate comparisons instantly. It’s definitely the quickest method.
A harder way to shop for auto insurance online consists of going to the website of each company and request a quote. For example, let’s say you want to compare rates from Nationwide, Progressive and State Farm. You would need to visit each site and repeatedly type in your coverage information, which is why first method is reommended.
To view a list of companies in your area, click here.

Compare rates however you want, just make sure you compare apples-to-apples coverage limits for each price quote. If you use different coverage information it will be impossible to get a fair rate comparison. Just slight variations in limits could mean much higher rates. Just remember that comparing more rates from different companies increases your odds of finding a lower rate than you’re paying now.

Do you qualify for discounts?

Car insurance can be pricey, but you might be missing out on some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you purchase, but some must be asked for before they will apply.

Bundled Policy Discount – If you can combine your auto and home policy with one company you could earn a discount of over 10 percent off each policy depending on the company.
Early Switch Discount – A few companies allow discounts for signing up before your current expiration date. It’s a savings of about 10%.
Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car can receive lower rates.
Waiver for an Accident – but certain companies will let one accident slide before hitting you with a surcharge as long as you don’t have any claims for a set time period.
Mature Driver Discount – Mature drivers may qualify for reduced rates for Odyssey insurance.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.

Larger car insurance companies and a summarized list of policyholder discounts are shown below.

Farmers Insurance discounts include early shopping, mature driver, good student, distant student, and youthful driver.
Esurance policyholders can earn discounts including emergency road assistance, defensive driver, claim free, good student, renters, and anti-lock brakes.
State Farm may have discounts that include passive restraint, safe vehicle, defensive driving training, driver’s education, and student away at school.
Geico has discounts for five-year accident-free, daytime running lights, defensive driver, multi-vehicle, federal employee, driver training, and anti-lock brakes.
Allstate offers discounts including multi-policy, defensive driver, anti-lock brakes, safe driver, and FullPay discount.

If you are trying to find affordable car insurance quotes, ask every company the best way to save money. Savings may not apply to policyholders in your area. To see a list of providers that offer multiple discounts, click here.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.

What happens if I owe more than my 2011 Honda Odyssey is worth?
Will I be non-renewed for getting a DUI or other conviction?
How can I get my company to pay me more for my totalled car?
Can I rent a car in Mexico?
Am I covered if I crash into my own garage door?
What are the financial responsibility laws in my state?
Should I rate my 2011 Honda Odyssey as pleasure use or commute?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does having multiple vehicles earn me a discount?
What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage considerations

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Auto collision coverage

This covers damage to your Odyssey resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, damaging your car on a curb, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. 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 a tornado or hurricane, fire damage, vandalism and theft. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses for ambulance fees, X-ray expenses, EMT expenses, pain medications and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as funeral expenses, attorney fees, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2011 Honda Odyssey.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.