1996 Honda Odyssey Insurance Rates – 5 Tips for Best Quotes

Have you fallen victim to an expensive auto insurance policy? Don’t feel bad because many consumers feel financially strained by their auto insurance policy. Online insurance companies like Allstate, Liberty Mutual and State Farm continually bombard you with advertising and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

If you have a policy now or are looking for a new policy, you can use these tips to find better prices and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of the most efficient way to buy insurance coverage on the web.

Cheapest insurance price quotes

Performing a rate comparison can be a daunting task if you don’t understand the most efficient way. You can waste hours discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

All the larger companies participate in an industry program that enables customers to send in one quote, and each company can provide price quotes. This eliminates the need for repetitive form submissions to each individual insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to comparing rates this way is you cannot specify which carriers you will receive quotes from. So if you prefer to pick specific insurance companies to compare prices, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just try to keep the same coverage limits with every price quote. If each company quotes mixed coverages it’s not possible to determine which rate is truly the best.

Lower rate quotes by receiving these five discounts

The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Certain reductions will be credited at quote time, but some need to be specially asked for prior to receiving the credit. If you don’t get every credit possible, you are not getting the best rate possible.

  • Federal Employees – Employees or retirees of the government can save as much as 8% on Odyssey insurance with certain companies.
  • College Student Discount – Older children who attend college more than 100 miles from home and leave their car at home may qualify for this discount.
  • Accident-Free Discounts – Claim-free drivers can earn big discounts as opposed to drivers who are more careless.
  • Responsible Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Odyssey insurance than drivers with accidents.
  • ABS Brakes – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck.

Companies that possibly offer these benefits possibly include:

If you want inexpensive car insurance quotes, ask all companies you are considering to give you their best rates. Depending on the company, some discounts may not apply to policyholders in your area. For a list of insurance companies with discount car insurance rates, click this link.

Your insurance coverage coverage should be tailored to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether you may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • Do I need an umbrella policy?
  • Does my 1996 Honda Odyssey qualify for pleasure use?
  • I don’t drive much so do I pay less?
  • Should I bundle my homeowners policy with my auto?
  • Do I have coverage if my license is suspended?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Liability insurance

This coverage will cover damage or injury you incur to a person or their property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as court costs, emergency aid and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses like funeral costs, chiropractic care, ambulance fees and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Honda Odyssey.

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. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a deer, vandalism and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This will pay to fix damage to your Odyssey from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.