Compare 2023 Honda Odyssey Car Insurance Quotes in 2024

Trying to find better insurance prices for a Honda Odyssey can turn out to be an all-consuming task, but you can use our insurance buying tips to find lower rates.

There is a better way to buy insurance and you need to know the absolute fastest way to get price quotes for your Honda and obtain the lowest price from local insurance agents and online providers.

Consumers need to do price comparisons periodically because insurance prices are usually higher with each renewal. Even if you think you had the lowest rates on Odyssey coverage six months ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re going to learn the only way to lower your annual insurance bill.

Quote car insurance online

Shopping for lower car insurance rates can take hours if you don’t utilize the most efficient way to do it. You can spend your afternoon talking about coverages with agents in your area, or you can stay home and use the web to get the quickest rates.

Most car insurance companies take part in a program where prospective buyers send in one quote, and each participating company returns a rated price determined by their information. This prevents consumers from doing quotation requests to every company.

To compare rates now enter your zip code here.

The only downside to doing it this way is you cannot specify the companies to get pricing from. If you prefer to choose individual companies to request quotes from, we put together a list of low cost car insurance companies in your area. Click to enter zip code for insurance companies.

Compare rates however you want, just try to keep equivalent quote data for each comparison quote. If each company quotes higher or lower deductibles you can’t possibly determine the lowest rate for your Honda Odyssey.

But they said I’d save $432 a year!

Consumers can’t avoid all the ads for cheaper auto insurance from companies such as Allstate, GEICO and Progressive. All the ads tend to make the same promise about saving some big amount if you get a free car insurance quote and switch your coverage.

It sounds good, but how can they all give you a lower rate? This is how they do it.

Insurance providers require specific criteria for a prospective insured that makes them money. One example of this type of insured might have to be a mature driver, has never had a claim, and insures a new vehicle. A customer getting a price quote who fits those characteristics will get a cheap rate quote and is almost guaranteed to cut their rates if they switch.

Consumers who don’t qualify for those criteria will probably be forced to pay higher premium rates with the end result being the prospect going elsewhere. The ad wording is “drivers who switch” but not “all drivers who get quotes” save money. That’s why companies can claim big savings.

This really drives home the point why drivers must quote coverage with many companies. It is impossible to predict which auto insurance company will provide you with the cheapest premium rates.

Insurance policy discounts

Insurance is not an enjoyable expense, but you might find some hidden discounts that could drop your premiums quite a bit. Some discounts apply automatically when you quote, but some may not be applied and must be requested specifically prior to receiving the credit.

• Resident Student – Youth drivers who live away from home to go to college and do not take a car to college can be insured at a reduced rate.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little off the personal injury premium cost.
• Safe Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates on Odyssey coverage as compared to drivers with claims.
• Own a Home – Simply owning a home can save you money because it shows financial diligence.
• Discount for Low Mileage – Driving less could qualify for discounted premium rates on garaged vehicles.
• Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn up to 20% and get you affordable car insurance.
• Passive Restraints and Air Bags – Vehicles with factory air bags may get savings up to 30%.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
• Government Employee Discount – Active or retired federal employment may reduce rates when you quote car insurance on Odyssey coverage but check with your company.
• Life Insurance Discount – Larger insurance companies have better premium rates if you take out life insurance from them.

Drivers should understand that most discount credits are not given to the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

To locate insurers who offer free insurance quotes, enter your zip code here.

How do I know if I need professional advice?

When it comes to buying coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

• Does coverage extend to Mexico or Canada?
• Does my insurance cover my expensive audio equipment?
• How high should my medical payments coverage be?
• Am I covered if my car is in a flood?
• Am I getting all the discounts available?
• Where can I get insurance after a DUI in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and may give you better protection.

Car insurance coverage considerations

Having a good grasp of car insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills such as dental work, surgery, doctor visits and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverage – This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, loss of income, structural damage and medical expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Collision – This coverage pays for damage to your Odyssey caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, rolling your car, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Odyssey.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage – Comprehensive insurance coverage covers 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 pays for claims such as hail damage, vandalism, rock chips in glass, hitting a bird and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be a smart shopper

In this article, we presented a lot of tips how to compare 2023 Honda Odyssey insurance premium rates online. The key thing to remember is the more you quote car insurance, the higher the chance of saving money. You may be surprised to find that the best premium rates are with a company that doesn’t do a lot of advertising.

Insureds switch companies for any number of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, not issuing a premium refund or poor customer service. Regardless of your reason, finding a new car insurance company can be less work than you think.

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. There have been many situations where someone dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage for the lowest price and still be able to protect your assets.