1998 Honda Odyssey Insurance Quotes - 6 Tricks for Best Rates

Are you tired of scraping the payment together to keep your car insured? Your situation is no different than many other drivers. Companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Consumers should take time to do rate comparisons before your next renewal because prices change quite often. If you had the lowest price for Odyssey coverage a year ago other companies may now be cheaper. Don’t believe everything you read about auto insurance on the web, but in just a couple of minutes you can learn some guaranteed methods to buy auto insurance cheaper.

Are you receiving every discount?

Some insurance providers don’t always advertise every disount available in an easy-to-find place, so the list below details a few of the more common as well as the least known discounts you could be receiving when you buy insurance online. If you are not receiving all the discounts available, you may be paying too high a price.

Driver’s Education for Students – Require your teen driver to enroll in driver’s education as it can save substantially.
Employee of Federal Government – Active or former government employment could qualify for a slight premium decrease for Odyssey coverage with select insurance companies.
Low Mileage Discounts – Driving fewer miles may allow you to get substantially lower prices.
Professional Memberships – Being a member of a qualifying organization could earn you a nice discount on your next insurance statement.
Renewal Discounts – A few insurance companies give discounts for switching companies early. It could save around 10% when you buy insurance online.
Multiple Cars – Purchasing coverage when you have several vehicles with one company can reduce rates for all insured vehicles.

You can save money using discounts, but most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like you can get free auto insurance, that’s just not realistic.

The best insurance companies and some of their more popular discounts are detailed below.

State Farm may include discounts for Steer Clear safe driver discount, defensive driving training, anti-theft, good driver, and good student.
GEICO includes discounts for daytime running lights, multi-policy, anti-lock brakes, emergency military deployment, seat belt use, federal employee, and membership and employees.
Allstate has discounts for safe driver, auto/life discount, premier plus, defensive driver, good student, passive restraint, and eSmart discount.
SAFECO may have discounts that include safe driver, teen safety rewards, homeowner, anti-theft, and anti-lock brakes.
Farm Bureau may offer discounts for multi-vehicle, 55 and retired, driver training, multi-policy, renewal discount, youthful driver, and good student.
Progressive policyholders can earn discounts including multi-vehicle, online quote discount, multi-policy, good student, online signing, continuous coverage, and homeowner.
AAA has savings for multi-policy, anti-theft, AAA membership discount, good driver, education and occupation, good student, and multi-car.

Double check with every insurance company how many discounts you can get. Discounts might not be available to policyholders in your area. If you would like to view providers with the best discounts, click here.

Buy car insurance online

Lowering your 1998 Honda Odyssey car insurance rates isn’t really that difficult. Drivers just need to spend a few minutes comparing rates online with multiple companies. Comparing prices online can be done using one of these methods.

One of the fastest ways to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This quick form saves time by eliminating separate quotes for each company you want a rate for. A single, simple form gets coverage cost estimates from many national carriers.
A more difficult way to find better pricing consists of visiting the website for each individual company and get a separate price quote. For example, we’ll assume you want to compare prices for State Farm, Farmers and American Family. In order to compare rates, you need to visit each site and repeatedly type in your coverage information, which can take a lot of time. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just do your best to use the exact same coverages on every price quote you get. If you compare unequal deductibles or liability limits you will not be able to decipher which rate is best.

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When in doubt talk to an agent

When it comes to buying coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can help discover whether or not you will benefit from professional help.

Can I drive in Mexico and have coverage?
Should I rate my 1998 Honda Odyssey as pleasure use or commute?
What is no-fault insurance?
Should I have combined single limit or split liability limits?
Should I carry comprehensive and collision coverage?
When would I need rental car insurance?
Can I afford low physical damage deductibles?
How much can I save by bundling my policies?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Liability car insurance

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, court costs and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Auto collision coverage

Collision coverage pays for damage to your Odyssey resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with a tree, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive car insurance

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, damage from getting keyed, hail damage, hitting a deer and hitting a bird. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as dental work, ambulance fees, nursing services, pain medications and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1998 Honda Odyssey.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Be a penny pincher

There are still a few companies who may not provide internet price quotes and many times these small, regional companies prefer to sell through local independent agents. Budget-conscious 1998 Honda Odyssey insurance is attainable on the web as well as from insurance agents, so you need to compare both to get a complete price analysis.

We covered many ways to compare 1998 Honda Odyssey insurance premium rates online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a smaller regional carrier. They often have lower prices on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.