2021 Honda Odyssey Car Insurance Cost in 2024 – 6 Discounts for Cheaper Prices

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 17, 2024

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Feeling guilty for buying overpriced insurance coverage? Say no more because there are many people just like you. Consumers have many auto insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more challenging to compare company pricing.

This article will let you in on how to effectively get price quotes. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. Drivers just need to learn the proper methods to shop for insurance on the web.

Don’t miss these six premium-slashing discounts

Insuring your vehicles can cost a lot, but there may be some discounts that you may not even be aware of. Some of these discounts will be visible when you quote, but a few need to be inquired about before you get the savings. If you are not receiving all the discounts available, you are not getting the best rate possible.

  • Good Student Discount – This discount may save as much as 25% on a auto insurance quote. This discount can apply up to age 25.
  • Multiple Vehicles – Insuring primary and secondary vehicles with the same car insurance company can reduce the rates for all insured vehicles.
  • Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts can save 10% or more off the personal injury premium cost.
  • Accident Waiver – This one is not really a discount per se, but a few companies such as Liberty Mutual and GEICO may permit one accident without the usual rate increase so long as you are claim-free for a specific time period.
  • Student Discount for Driver Training – Have your child take driver’s ed class as it can save substantially.
  • Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more.

It’s important to note that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A partial list of companies that may have these money-saving discounts include:

  • Progressive
  • The Hartford
  • Mercury Insurance
  • AAA
  • State Farm

If you are trying to find cheap auto insurance quotes, ask each company or agent how many discounts you can get. A few discounts may not apply to policies in your area.

How to compare insurance coverage rate quotes

Most major insurance companies like Allstate and Progressive provide coverage price quotes directly from their websites. Comparing rates online is fairly simple because it’s just a matter of typing in into a form. When the form is submitted, their quoting system orders your driving record and credit report and quotes a price. Being able to quote online makes it a lot easier to compare rates but having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s very important to get many rate quotes in order to get the lowest possible prices on insurance coverage.

A better way to lower your rates uses just one form to get prices from a lot of companies. It’s a real time-saver, helps eliminate repetitive entry, and makes online shopping a little more enjoyable. After sending your information, your coverage is rated and you are able to buy your choice of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and buy the policy. The whole process can be completed in a matter of minutes and may save quite a bit of money.

In order to use this form to compare rates, simply enter your zip code here and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate deductibles and limits identical to your current policy. This makes sure you will be getting comparison quotes based on similar coverages.

Do I need special coverages?

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if you may require specific advice.

  • How high should my medical payments coverage be?
  • Can I make deliveries for my home business?
  • Do I pay less for low miles?
  • Does my medical payments coverage pay my health insurance deductible?
  • Exactly who is provided coverage by my policy?
  • Does liability extend to a camper or trailer?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I better off with higher deductibles on my 2021 Honda Odyssey?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code. It is quick, free and you can get the answers you need.

Big brands don’t always mean big savings

Consumers constantly see and hear ads that promise big savings for switching by Allstate and Progressive. All the companies have a common claim that people will save if you switch to their company.

How do they all have lower policy pricing?

Companies give the best rates for the type of driver that is profitable for them. For example, a driver they prefer might be over age 30, is a homeowner, and has a high credit rating. A customer who fits that profile receive the lowest rate quotes and as a result will probably save when they switch companies.

Insureds who cannot meet this stringent profile will be charged a more expensive rate which translates to the customer buying from a different company. The trick companies use is to say “customers that switch” not “everybody who quotes” save the amount stated. That is how companies can advertise the way they do.

Because every company is different, it is so important to quote coverage with many companies. It’s just not possible to know the company that will fit you best based on your risk profile.

What auto insurance coverages do you need?

Understanding the coverages of your auto insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.

Liability coverage – This coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage covers 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 pays for claims such as hail damage, vandalism, damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, X-ray expenses, funeral costs, chiropractic care and hospital visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, scraping a guard rail, rolling your car, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Saving money makes a lot of cents

Some insurance coverage companies do not provide the ability to get a quote online and most of the time these regional carriers only sell through independent insurance agents. Cheaper 2021 Honda Odyssey insurance is available online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

When getting auto insurance quotes online, never skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

You just learned some good ideas how you can shop for 2021 Honda Odyssey insurance online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting the cheapest auto insurance. Consumers could even find that the best price on insurance coverage is with some of the smallest insurance companies. Regional companies may only write in your state and offer lower prices as compared to the big name companies such as Progressive or GEICO.

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