1995 Honda Odyssey Car Insurance Quotes – 8 Savings Tips

Want lower insurance rates for your Honda Odyssey? Baffled by the sheer number of insurance providers? Many other drivers are too. There are so many choices that it is a big hassle to compare rates.

Smart consumers take time to do rate comparisons as often as possible because insurance prices change frequently. Even if you got the best quotes for Odyssey coverage a couple years back there may be better deals available now. There is a lot of wrong information about insurance on the internet, but in this article, you’re going to get some guaranteed methods to lower your insurance rates.

How to shop auto insurance online

When shopping for low cost auto insurance quotes, there are a couple of ways to compare quotes from different insurance companies. The best way to compare 1995 Honda Odyssey insurance prices is to get quotes online. This is very easy and can be done in a couple minutes as outlined below.

  1. The simplest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This style of form eliminates the need for repetitive form submissions for every company. One form gets you price quotes direct from many companies. This is perfect if you don’t have a lot of time.
  2. A different way to find lower rates consists of visiting the website of each company and repeat the quote process again and again. For examples sake, we’ll pretend you want to view quotes from GEICO, Safeco and Progressive. You would have to go to every website to enter the same coverage data repeatedly, which is why first method is reommended.

    For a list of links to insurance companies in your area, click here.

  3. The most time-consuming method to compare price estimates is physically going to different agent offices. Shopping for auto insurance online eliminates this option unless you want the trained guidance of a local agency. Although, it is possible price shop your coverage online and get advice from an agent in your area.

It’s up to you how you get prices quotes, just make sure you use the exact same quote information for each comparison quote. If you have different data you will not be able to make an equal comparison. Even a minor difference in insurance coverages could mean much higher rates. Just keep in mind that having more price comparisons provides better odds of finding the best offered rates.

Cheaper rates with these eight insurance coverage discounts

Some companies don’t always advertise the entire discount list very clearly, so we researched both the well known and also the lesser-known insurance coverage savings.

  • College Student – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle can receive lower rates.
  • Theft Deterent System – Vehicles optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Driver Training Discounts – Taking a course in defensive driving could cut 5% off your bill if your company offers it.
  • Save with More Vehicles Insured – Having all your vehicles with one company can reduce the rates for all insured vehicles.
  • Driver’s Ed – Have your child enroll and complete driver’s education if offered at their school.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Telematics Discount – Insureds that choose to allow driving data collection to look at where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
  • Federal Government Employee – Active or retired federal employment could provide a small rate reduction for Odyssey coverage but check with your company.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

A few companies that may have these discounts include:

When comparing rates, check with each company or agent how many discounts you can get. A few discounts might not apply everywhere. If you would like to see a list of insurance companies that have a full spectrum of discounts, click here to view.

Insurance coverage can get complicated

When it comes to choosing the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • What are the best liability limits?
  • Should I bundle my homeowners policy with my auto?
  • What are the financial responsibility laws in my state?
  • Why does it cost so much to insure a teen driver?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Liability

This will cover damage that occurs to a person or their property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like legal defense fees, funeral expenses, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as surgery, dental work, doctor visits, EMT expenses and funeral costs. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your Odyssey resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Honda Odyssey.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, vandalism, fire damage and theft. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.