Compare 1999 Honda Odyssey Insurance Quotes

Being forced to pay for expensive auto insurance premiums can empty your monthly budget and force you to prioritize other expenses.

Because you have many companies to choose from, it can be diffult for drivers to locate the lowest cost insurer.

Smart consumers take time to get comparison quotes periodically because auto insurance prices are adjusted regularly by insurance companies. Just because you had the best quotes for Odyssey insurance a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to teach you the fastest way to remove unneeded coverages and save money.

Buying car insurance is not that difficult. In a nutshell, everyone who is shopping for insurance coverage should be able to cut their insurance bill. But vehicle owners must learn the way companies price online insurance and take advantage of how the system works.

Finding insurance coverage

When comparison shopping, there are several ways of comparing price quotes from companies that offer insurance coverage in your state. The simplest method to lower the rate you pay for 1999 Honda Odyssey insurance is to get quotes online. It’s really quite simple and can be done in a couple of different ways.

If you’re in a hurry, the quickest way to get quotes is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating repetitive form submissions for every prospective company. A single form will get you rate comparisons from multiple companies.
A different way to find better pricing is spending the time to visit each company website to request a price quote. For examples sake, let’s assume you want to compare Farmers, Safeco and Travelers. You would have to spend time on each company’s site and type in your information over and over, which can get rather old.
For a handy list of car insurance company links in your area, click here.
The most time-consuming way of comparing rate quotes is physically going to each insurance agency near you. The fact that you can get quotes online makes this process obsolete unless you have a need for the professional assistance of a local agent. It is possible with some companies compare online quotes but have your policy serviced through an agent.

The method you choose is up to you, but compare apples-to-apples coverage information for every quote you compare. If your comparisons have unequal deductibles or liability limits you will not be able to determine which company has the best rates. Just a small difference in limits may result in large price differences. Just remember that comparing more rates from different companies gives you a better chance of getting more affordable rates.

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Advertising myths

Well-known insurance coverage companies like Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. They all advertise claims about how much you will save just by switching your coverage to them. How does every insurance coverage company sell you cheaper insurance coverage?

Insurance coverage companies have specific guidelines for the type of customer they prefer to insure. A good example of a driver they prefer might have to be over age 30, insures multiple vehicles, and drives less than 5,000 miles a year. A customer getting a price quote who matches those parameters will get low prices and have a good chance to pay quite a bit less when switching companies.

Potential insureds who don’t qualify for the “perfect” profile will probably be forced to pay a higher rate and business going elsewhere. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” save the amount stated. That’s why insurance companies can confidently make it sound like they have such great premium rates. This really illustrates why drivers should do a rate comparison at every renewal. It’s just too difficult to predict which insurance coverage company will give you the biggest savings.

Why you might pay increased rates

Multiple criteria are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, although some other factors are more transparent like your continuous coverage or how financially stable you are.

The items below are just a few of the factors used by companies to determine your prices.

Don’t buy add-on coverages you don’t use – Insurance companies have many extra coverages that sound like a good idea at the time if you don’t pay attention. Coverages for coverage for rental cars, towing coverage, and Farm Bureau memberships are some examples. The coverages may be enticing when discussing your needs, but if you’ve never needed them in the past remove them and pocket the money.
Is your vehicle theft-ready? – Owning a car with a theft deterrent system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
Multiple policies with one company – Most insurance coverage companies allow better rates to customers that have more than one policy. It’s known as a multi-policy discount. Discounts can add up to ten or even fifteen percent. If you currently are using one company, it’s still a good idea to comparison shop to guarantee you are still saving the most.
Excellent credit equals lower rates – An insured’s credit history is a large factor in determining what you pay. So if your credit history could use some work, you could potentially save money when insuring your 1999 Honda Odyssey by improving your rating. Drivers who have high credit ratings tend to file fewer claims than drivers with poor credit.
Never have insurance coverage policy lapses – Not having insurance can get your license suspended and insurance coverage companies will penalize you for letting your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance could earn you a license revocation or jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
Cautious drivers pay less – A bad driving record influences premium rates substantially. Even one ticket could increase your next policy renewal by twenty percent. Careful drivers pay less for auto insurance than their less careful counterparts. Drivers who have serious violations like DUI, reckless driving or excessive speeding are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
Getting married brings a discount – Walking down the aisle can actually save you money compared to being single. Marriage demonstrates that you tend to be more responsible and statistics show being married results in fewer claims.

Pay discount rates with these discounts

Companies that sell car insurance don’t always advertise every policy discount in an easy-to-find place, so here is a list some of the more common in addition to some of the lesser obvious credits available to you.

Theft Deterent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will qualify for a discount on a auto insurance quote.
Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance in addition to your auto policy.
Good Students Pay Less – Getting good grades may save as much as 25% on a auto insurance quote. Most companies allow this discount up until you turn 25.
Cautious Driver Discounts – Drivers without accidents can save up to 40% or more on their auto insurance quote for Odyssey insurance than less cautious drivers.
One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies permit an accident before they charge you more for coverage so long as you are claim-free for a specific time period.
Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
No Claims – Drivers who don’t have accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
Seat Belt Usage – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

As is typical with insurance, some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way.

A list of auto insurance companies and the discounts they provide are detailed below.

Progressive discounts include homeowner, multi-policy, good student, online quote discount, continuous coverage, and multi-vehicle.
Farmers Insurance may offer discounts for distant student, mature driver, business and professional, multi-car, and youthful driver.
Farm Bureau offers discounts including renewal discount, multi-vehicle, good student, driver training, youthful driver, 55 and retired, and safe driver.
State Farm may include discounts for passive restraint, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, good driver, multiple autos, and student away at school.
GEICO offers premium reductions for anti-lock brakes, driver training, anti-theft, air bags, multi-vehicle, military active duty, and seat belt use.
SAFECO has savings for drive less, safe driver, homeowner, multi-car, and accident prevention training.
Liberty Mutual has discounts for multi-car, hybrid vehicle, new graduate, teen driver discount, new vehicle discount, and exclusive group savings.

When getting a coverage quote, ask each company or agent to give you their best rates. Savings may not apply to policies in your area. To choose insurers that offer many of these discounts, click here.

Your situation helps dictate your coverage

When buying coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique and your policy should reflect that. For example, these questions can aid in determining if you will benefit from professional help.

Why am I be forced to buy a membership to get insurance from some companies?
Does my policy cover me when driving someone else’s vehicle?
What happens if I owe more than my 1999 Honda Odyssey is worth?
Am I covered if I hit my neighbor’s mailbox?
Where can I find DUI or SR-22 insurance?
Does medical payments coverage apply to all occupants?
Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, rock chips in glass, fire damage, theft and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

This coverage will cover damage that occurs to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as structural damage, legal defense fees, loss of income, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

Collision coverage pays for damage to your Odyssey resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, backing into a parked car, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses like pain medications, hospital visits, dental work and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Keep this in mind

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. In many instances, an insured cut comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the best possible price, but do not skimp to save money.

We just showed you a lot of information how to reduce 1999 Honda Odyssey insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheap auto insurance. You may be surprised to find that the most savings is with a smaller regional carrier. These smaller insurers often have lower premium rates on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

Budget-friendly insurance coverage can be purchased online and from local insurance agents, and you need to price shop both to have the best selection. Some insurance coverage companies may not provide online quoting and these regional insurance providers prefer to sell through independent insurance agents.