2019 Honda Odyssey Insurance Rates in 2024 – 8 Tips to Save

Want the cheapest insurance coverage rates for your Honda Odyssey? Trying to find the cheapest insurance for a Honda Odyssey could be a lot of work, but you can learn these tips to save time. There are more efficient ways to compare insurance coverage rates and you need to know the proper way to price shop coverage for a Honda and obtain the lowest possible price from both online companies and local agents.

Buy car insurance online

Shopping for lower car insurance rates is a ton of work if you don’t utilize the easiest way. You can waste a few hours (or days) driving to agents in your area, or you could use online quoting to get the quickest rates.

Most of the larger companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company then gives them pricing. This eliminates the need for quote forms to each company. To compare rates using this form now enter your zip code here.

The only downside to doing it this way is you cannot specify which insurance companies to get pricing from. If you prefer to choose from a list of companies to compare prices, we have assembled a list of companies who write car insurance in your area. Click to enter zip code.

Whichever method you choose, do your best to enter identical coverage limits and deductibles for every quote you compare. If you compare different data you will not be able to find the best deal for your Honda Odyssey.

Do drivers who switch really save $490 a year?

Consumers get pounded daily by advertisements that claim the cheapest car insurance rates from the likes of Allstate, GEICO and Progressive. All the ads make the same claim of big savings if you move your coverage.

How can each company claim to save you money? It’s all in the words they use.

Insurance coverage companies have specific guidelines for the type of insured that is profitable for them. For example, a preferred risk should be over the age of 35, owns a home, and does not commute to work. A driver that matches those criteria will get a cheap rate quote and will most likely save when they switch companies.

Consumers who fall short of those standards will probably be forced to pay higher prices and this results in the customer not buying. The ad wording is “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why insurance companies can confidently state the savings. Because every company is different, drivers must compare rate quotes every year. It is just not possible to predict which insurance companies will have the best prices for your profile.

These eight discounts can lower your car insurance quotes

Some providers do not list every possible discount in a way that’s easy to find, so the below list has a few of the more common and also the more inconspicuous credits that may apply to you. If they aren’t giving you every credit possible, you’re just leaving money on the table.

• 55 and Retired – Mature drivers may receive a discount up to 10% on Odyssey insurance.
• Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.
• Passenger Safety Discount – Cars that have air bags could see savings of up to 25% or more.
• No Accidents – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote as compared to policyholders that have many claims.
• Resident Student – Children who are attending college without a vehicle on campus could get you a discount.
• Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will let one accident slide before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
• Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

It’s important to note that many deductions do not apply to the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like you could get a free car insurance policy, companies don’t profit that way.

Some companies that may include these discounts include:

• GEICO
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

When getting free insurance quotes, it’s a good idea to all the companies the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders in your state. If you would like to view companies that provide some of the discounts listed above, enter your zip code here.

Different people need different auto insurance coverages

When buying coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique.

These are some specific questions can aid in determining if your situation could use an agent’s help.

• Is there coverage for injuries to my pets?
• Will filing a claim cost me more?
• Exactly who is provided coverage by my policy?
• Should I buy full coverage?
• Who is covered when they drive my 2019 Honda Odyssey?
• Is my cargo covered for damage or theft?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and enter your zip code. It is quick, free and you can get the answers you need.

Car insurance policy specifics

Understanding the coverages of your car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 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 should not be overlooked.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hail damage and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like pain medications, EMT expenses, funeral costs and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

This will cover damage or injury you incur to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, pain and suffering, court costs and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Coverage for collisions

This coverage pays for damage to your Odyssey resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, crashing into a building, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Be a smart shopper

Drivers who switch companies do it for a variety of reasons including denial of a claim, delays in responding to claim requests, delays in paying claims and unfair underwriting practices. It doesn’t matter what your reason, switching insurance companies can be easy and end up saving you some money.

When shopping online for insurance, don’t be tempted to buy less coverage just to save a little money. Too many times, drivers have reduced comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

We covered a lot of tips how to reduce 2019 Honda Odyssey insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices are with an unexpected company.