View 2015 Honda Odyssey Insurance Quotes

Trying to find cheaper insurance for a Honda Odyssey could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to compare insurance coverage rates and you need to know the absolute fastest way to quote coverages for a Honda and get the cheapest rates.

If you have a policy now or need new coverage, you can use this information to find the best rates while maximizing coverage. Shopping for the lowest cost auto insurance coverage is not that difficult. Consumers just need to understand the most efficient way to find the lowest price over the internet.

More affordable rates with these discounts

Companies offering auto insurance don’t always publicize the complete list of policy discounts very clearly, so we took the time to find a few of the more common as well as some of the hidden savings tricks you should be using when you buy car insurance online.

  • College Student – Older children living away from home attending college without a vehicle on campus could get you a discount.
  • Sign Early and Save – Some larger companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
  • Good Student Discount – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% for Odyssey coverage compared to accident prone drivers.
  • One Accident Forgiven – This one is not really a discount per se, but certain companies may permit one accident before they charge you more for coverage so long as you haven’t had any claims for a particular time prior to the accident.
  • Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.

We need to note that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts should definitely cut the amount you have to pay.

Larger auto insurance companies and some of the discounts include:

  • State Farm offers premium reductions for passive restraint, Steer Clear safe driver discount, accident-free, student away at school, and safe vehicle.
  • Geico policyholders can earn discounts including driver training, membership and employees, seat belt use, air bags, and multi-vehicle.
  • Progressive offers discounts including online quote discount, continuous coverage, good student, multi-vehicle, online signing, and homeowner.
  • 21st Century includes discounts for anti-lock brakes, teen driver, air bags, automatic seat belts, student driver, defensive driver, and theft prevention.
  • American Family has discounts for Steer into Savings, accident-free, mySafetyValet, early bird, and defensive driver.
  • The Hartford may offer discounts for defensive driver, vehicle fuel type, good student, bundle, air bag, and driver training.
  • AAA may include discounts for AAA membership discount, good student, pay-in-full, education and occupation, anti-theft, multi-policy, and good driver.

Double check with all companies you are considering how you can save money. Discounts might not be offered in your area. If you would like to view insurers who offer auto insurance discounts, click here to view.

The quickest method we recommend to compare policy rates is to know most of the bigger providers provide online access to provide you with a free rate quote. To get started, all you need to do is provide information such as whether you have decent credit, whether you drive to work or school, if the vehicle is leased, and what you do for a living. The data is automatically sent to multiple different insurance companies and they respond with quotes very quickly.

What affects Honda Odyssey insurance costs?

Many things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although some other factors are not quite as obvious like where you live or how safe your car is.

The itemized list below are some of the items used by your company to calculate your rates.

  • Avoid traffic tickets – Just one speeding ticket or other violation may increase your cost twenty percent or more. Drivers with clean records receive lower rates than bad drivers. Drivers with multiple violations like reckless driving or DUI may find they need to file a SR-22 with their state’s licensing department in order to keep their license.
  • Low comp and collision deductibles mean high prices – Deductibles for physical damage are how much the insured will be required to pay if you file a covered claim. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered are colliding with a stationary object, hail damage, and damage from wind. The larger the amount you choose to pay out-of-pocket, the bigger discount you will receive for Odyssey coverage.
  • How do annual miles impact rates? – The higher the miles on your Honda annually the more it will cost to insure it. Most companies apply a rate based on how the vehicle is used. Autos not used for work or commuting can get a lower rate than vehicles that have high annual mileage. Make sure your vehicle rating reflects the correct usage, because it can save money. Having an incorrect usage rating on your Odyssey is just wasting money.
  • Get hitched and pay less – Being married can get you a discount on your insurance bill. Marriage is viewed as being more mature than a single person and it’s proven that married couples file fewer claims.
  • Bundle home and auto and save – The majority of companies allow a discount to clients that purchase more than one policy such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, it’s still a good idea to compare other company rates to help ensure you have the lowest rates.
  • Mature drivers pay less – Inexperience drivers have been known to be careless and easily distracted when behind the wheel and because of this, their insurance rates are much higher. Mature drivers are more responsible, tend to file fewer claims , and usually have better credit.
  • Stay claim-free and save money – Insurance companies give better rates to insureds who only file infrequent claims. If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.

Car insurance can be complex

When choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions might help in determining if your situation might need professional guidance.

  • What are the best liability limits?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I afford low physical damage deductibles?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Is my trailer covered?
  • What is roadside assistance coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for collisions

Collision coverage pays for damage to your Odyssey caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, sideswiping another vehicle, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Honda Odyssey.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, bail bonds, pain and suffering, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, hitting a bird, hail damage, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills for things like nursing services, pain medications, doctor visits and surgery. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

The bottom line

Lower-priced 2015 Honda Odyssey insurance can be purchased online in addition to many insurance agents, so get free car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get quotes online and these smaller companies only sell through local independent agencies.

Consumers who switch companies do it for many reasons like high rates after DUI convictions, denial of a claim, policy non-renewal and delays in paying claims. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.

We just covered a lot of techniques to shop for 2015 Honda Odyssey insurance online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates are with the smaller companies.

Even more information can be found in these articles: