2016 Honda Odyssey Car Insurance Quotes in 2024 – 7 Savings Tips

Searching for better insurance rates for your Honda Odyssey? Searching for affordable insurance on the internet can seem to be rather challenging for vehicle owners that are relatively new to online price comparisons. When there are so many insurance companies available, how can anyone even start to compare every possible option in order to find better prices?

If you currently have car insurance, you should be able to save some money using this information. Pricing more affordable protection is not that difficult. Nevertheless, consumers should learn how the larger insurance companies sell online and apply this information to your search.

Get cheap auto insurance with discounts

Car insurance can cost a lot, but companies offer discounts that many consumers don’t even know exist. Certain discounts will be applied at quote time, but lesser-known reductions have to be requested specifically in order for you to get them.

• Sign Online – Many larger companies give back up to $50 for buying a policy and signing up on the internet.
• Driver’s Ed – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
• Federal Government Employee – Active or former government employment can save as much as 8% for Odyssey coverage with certain companies.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Passive Restraints and Air Bags – Options like air bags can receive discounts of 20% or more.
• Multi-policy Discount – If you combine your auto and homeowners policies with one insurance company they may give you a discount of 10% to 20% off each policy.
• Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and will save you 10% or more.

One thing to note about discounts is that many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The best auto insurance companies and the discounts they provide are included below.

• Esurance may have discounts that include multi-policy, claim free, online quote, homeowner, DriveSense, and paid-in-full.
• The Hartford has discounts for good student, driver training, defensive driver, vehicle fuel type, bundle, and air bag.
• AAA offers discounts including anti-theft, multi-policy, good driver, good student, multi-car, and AAA membership discount.
• GEICO offers discounts for anti-lock brakes, defensive driver, driver training, membership and employees, multi-policy, and seat belt use.
• State Farm has savings for Drive Safe & Save, multiple policy, Steer Clear safe driver discount, defensive driving training, good student, and good driver.

It’s a good idea to ask all the companies which discounts they offer. Savings may not apply to policyholders in your area.

Shop insurance coverage online

Effectively comparing insurance coverage prices is a ton of work if you don’t utilize the most efficient way. You could waste a few hours driving to insurance agencies in your area, or you can utilize the web to get the quickest rates.

Many popular insurance companies belong to an insurance system that enables customers to submit one quote, and every company provides a quote based on the submitted data. This eliminates the need for form submissions for each company you want a rate for.

To use this form to compare rates enter your zip code here.

One minor caveat to pricing coverage this way is that you can’t choose the companies to get quotes from. So if you prefer to pick individual companies to receive pricing from, we put together a list of companies who write insurance coverage in your area. Click to enter zip code for insurance companies.

Take whichever approach you prefer, but make sure you compare the same information with each company. If the quotes have differing limits it will be impossible to determine the lowest rate for your Honda Odyssey. Slightly different insurance coverages or limits may cause a big price difference. Just keep in mind that having more price comparisons gives you a better chance of getting better pricing.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

• Are rock chip repairs covered?
• Can I still get insurance after a DUI?
• Is my vehicle covered by my employer’s policy when using it for work?
• Can I rent a car in Mexico?
• Why do I only qualify for high-risk insurance?
• Are rental cars covered under my policy?
• What if I total my 2016 Honda Odyssey and owe more than it’s worth?
• Do I need an umbrella policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance 101

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision protection

This coverage pays for damage to your Odyssey from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, hitting a parking meter, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for hospital visits, doctor visits and funeral costs. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, a tree branch falling on your vehicle and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as medical services, funeral expenses, pain and suffering, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2016 Honda Odyssey.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

More quotes mean more savings

Lower-priced auto insurance is available on the web as well as from independent agents, so you need to shop insurance with both so you have a total pricing picture. A few companies do not provide online quoting and most of the time these regional carriers prefer to sell through local independent agencies.

Drivers switch companies for many reasons like not issuing a premium refund, unfair underwriting practices, being labeled a high risk driver or questionable increases in premium. It doesn’t matter what your reason, switching auto insurance companies can be easier than you think.

We covered a lot of information how to get a better price on 2016 Honda Odyssey insurance. The key thing to remember is the more companies you get rates for, the better likelihood of getting inexpensive insurance. You may even discover the lowest priced auto insurance comes from a lesser-known regional company.