Cheaper 2013 Honda Odyssey Insurance Rates

When searching for lower-cost insurance, are you overwhelmed by the wide range of insurance coverage sources that you can choose from? You’re not alone. Drivers have so many sources available that it can turn into a difficult situation to find the best premium rates.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Locating the cheapest protection can be fairly easy. But car owners need to have an understanding of the methods companies use to determine prices because it can help you find the best coverage.

Auto insurance discounts help cut rates

Not many people think insurance is cheap, but there are discounts available that you may not even be aware of. Some discounts will apply when you get a quote, but lesser-known reductions have to be manually applied before they will apply.

  • Professional Organizations – Belonging to a professional or civic organization can get you a small discount when shopping for auto insurance.
  • Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Smart Student Discounts – Excelling in school can save 20 to 25%. The good student discount can last up until you turn 25.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle is cheaper since new vehicles are generally safer.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.

It’s important to note that some credits don’t apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck. But any discount will help lower the cost of your policy.

A list of auto insurance companies and the discounts they provide include:

  • Geico discounts include multi-policy, multi-vehicle, air bags, five-year accident-free, and driver training.
  • Travelers may offer discounts for multi-policy, multi-car, early quote, payment discounts, good student, and driver training.
  • Nationwide offers discounts including easy pay, business or organization, anti-theft, multi-policy, family plan, defensive driving, and good student.
  • Farmers Insurance may have discounts that include homeowner, multi-car, youthful driver, teen driver, mature driver, and good student.
  • Esurance has discounts for renters, good student, Pac-12 alumni, DriveSense, and Switch & Save.
  • State Farm offers premium reductions for accident-free, Drive Safe & Save, student away at school, Steer Clear safe driver discount, good student, passive restraint, and anti-theft.
  • Progressive policyholders can earn discounts including multi-vehicle, homeowner, continuous coverage, online quote discount, multi-policy, and good student.
  • Mercury Insurance offers discounts for multi-car, accident-free, good driver, type of vehicle, good student, ease of repair, and multi-policy.

Double check with all companies you are considering which discounts you qualify for. Depending on the company, some discounts might not apply in your area. If you would like to choose from a list of companies who offer auto insurance discounts, click this link.

How to compare car insurance quotes

All the larger car insurance companies provide prices direct online. Obtaining pricing is quite simple as you simply type in the coverage amounts you desire as requested by the quote form. Upon sending the form, the system obtains your driving record and credit report and generates pricing information.

Being able to quote online makes it easy to compare insurance prices but the process of having to visit a lot of sites and type in your information is a waste of time. But it’s necessary to get many rate quotes if you are searching for the lowest possible prices on car insurance.

The better way to compare rates

A better way to get multiple rate quotes uses one form that gets price quotes from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes quoting online much more enjoyable. As soon as the form is sent, it gets priced and you can select your choice of the resulting price quotes.

If you find a better price you simply finish the application and buy the new coverage. The entire process takes just a few minutes to complete and can result in significant savings.

If you want to find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter the coverages just like they are on your policy. This makes sure you will be getting comparison quotes for similar coverage.

How your Odyssey insurance rates are determined

Multiple criteria are part of the equation when pricing auto insurance. Most are fairly basic such as your driving history, although others are more obscure like where you live or how safe your car is.The best way to find cheaper insurance coverage is to take a look at some of the things that go into determining insurance coverage rates. When you understand what influences your rates, this enables you to make decisions that will entitle you to much lower annual insurance costs.

The factors shown below are some of the factors that factor into prices.

  • High physical damage deductibles equal low rates – Comprehensive and collision coverage deductibles define the amount you are willing to pay out-of-pocket if the claim is covered. Insurance for physical damage, also called comprehensive and collision insurance, insures against damage to your car. A few examples of covered claims are rearending another vehicle, damage from fire, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the less your company will charge you for insurance on Odyssey coverage.
  • Drive a safer car and pay less – Cars with five star safety ratings tend to have better insurance rates. Safer cars reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company and more competitive rates for policyholders.
  • Rural vs Urban Areas – Living in a small town may provide you with better prices when trying to find low car insurance rates. Fewer drivers translates into fewer accident claims. Drivers in populated areas tend to have more traffic problems and much longer commute distances. Spending more time driving means higher likelihood of an accident.
  • If you don’t need it don’t buy it – There are a ton of extra add-on coverages you can purchase but may not be useful. Coverages for coverage for rental cars, accidental death, and extra equipment coverage may not be needed and are just wasting money. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so eliminate them to save money.
  • Costs for men may be higher – Over time, data shows women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Women and men cause at-fault accidents at about the same rate, but the male of the species have costlier accidents. They also receive more costly citations like DWI (DUI) or reckless driving.

Which is the best insurance?

When buying the best insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether you might need an agent’s assistance.

  • I don’t drive much so do I pay less?
  • What if I don’t agree with a claim settlement offer?
  • Can my teen drive my company car?
  • When can I cancel my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance companies are expert advertisers

Insurance companies such as State Farm, Allstate and Geico endlessly run ads in print and on television. They all seem to advertise claims about savings just by switching your policy. But how can every company offer you a better deal? This is the way they can do it.

Companies provide the lowest rates for the type of driver that will add to their bottom line. An example of this type of insured might be married and over the age of 30, carries high limits, and drives a car with an anti-theft system. Any person that matches those criteria may get the lowest rates as well as save a lot if they switch.

Drivers who cannot meet the requirements will have to pay higher prices which results in the customer buying from someone else. Company advertisements say “customers that switch” not “everyone that quotes” save that much when switching. This is how companies can truthfully make it sound like they have such great premium rates.

This really emphasizes why drivers should quote coverage with many companies. It is impossible to predict which insurance companies will have better car insurance rates than you’re paying now.

Auto insurance specifics

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills such as nursing services, doctor visits, pain medications, dental work and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for collisions

This pays for damage to your Odyssey resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your 2013 Honda Odyssey.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Auto liability insurance

This coverage protects you from damage or injury you incur to other people or property. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, repair bills for other people’s vehicles, pain and suffering, court costs and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hail damage, falling objects and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Better coverage you can count on

Low-cost 2013 Honda Odyssey insurance is definitely available from both online companies in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and usually these small insurance companies work with independent insurance agents.

Drivers leave their current company for any number of reasons including questionable increases in premium, policy cancellation, unfair underwriting practices and even policy non-renewal. Regardless of your reason, finding a great new company can be less work than you think.

Throughout this article, we presented many ways to reduce 2013 Honda Odyssey insurance car insurance rates online. It’s most important to understand that the more quotes you get, the better your chances of lowering your premium rates. You may even find the most savings is with a small local company.

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