2015 Honda Odyssey Car Insurance Quotes – 7 Savings Tips

Searching for lower insurance coverage rates? Consumers have many options when looking for the lowest priced Honda Odyssey insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to compare rates.

There are both good and bad ways to find insurance coverage online so you’re going to learn the best way to compare rates on a Honda and obtain the cheapest rates either online or from local insurance agents.

Are you receiving every discount?

Companies that sell car insurance don’t list their entire list of discounts in an easy-to-find place, so we break down both well-publicized as well as some of the hidden insurance coverage savings. If they aren’t giving you every credit possible, you may be paying too high a price.

  • Lower Rates for Military – Having a family member in the military could be rewarded with lower prices.
  • Good Students Pay Less – This discount may save you up to 25%. You can use this discount normally well after school through age 25.
  • Online Discount – Some of the larger companies will provide an incentive for signing up online.
  • Own a Home – Being a homeowner can help you save on insurance coverage since owning and maintaining a home means you have a higher level of financial diligence.
  • Multi-line Discount – Larger companies have a discounted rate on car insurance if you buy some life insurance too.
  • Low Miles Discount – Keeping the miles down on your Honda could earn better rates on cars that stay parked.
  • Defensive Driving Course – Participating in a class that teaches driver safety techniques can save you 5% or more and also improve your driving technique.

We need to note that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think you can get free auto insurance, nobody gets a free ride.

A few popular companies and a summarized list of policyholder discounts are detailed below.

  • GEICO has savings for federal employee, multi-policy, anti-theft, seat belt use, multi-vehicle, military active duty, and five-year accident-free.
  • MetLife offers discounts including good driver, multi-policy, defensive driver, claim-free, and good student.
  • State Farm includes discounts for multiple policy, defensive driving training, multiple autos, good student, and driver’s education.
  • Progressive policyholders can earn discounts including homeowner, online quote discount, online signing, continuous coverage, multi-policy, and good student.
  • Mercury Insurance may offer discounts for type of vehicle, accident-free, location of vehicle, age of vehicle, multi-policy, good driver, and professional/association.
  • 21st Century may have discounts that include anti-lock brakes, defensive driver, early bird, homeowners, automatic seat belts, theft prevention, and air bags.
  • Allstate may include discounts for early signing, good payer, eSmart discount, new car, and anti-theft.

When getting free car insurance quotes, it’s a good idea to every company to apply every possible discount. Discounts might not be offered in your area. To choose insurance companies that can offer you the previously mentioned discounts, follow this link.

When in doubt talk to an agent

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • How much liability insurance is required?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What discounts do I qualify for?
  • What is no-fault insurance?
  • Are rental cars covered under my policy?
  • Does my 2015 Honda Odyssey need full coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Insurance specifics

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, theft, fire damage and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Odyssey.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like X-ray expenses, rehabilitation expenses, funeral costs and nursing services. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

This will pay to fix damage to your Odyssey caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as emergency aid, pain and suffering and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

One last thing

When you buy car insurance online, it’s not a good idea to reduce needed coverages to save money. Too many times, someone dropped liability coverage limits to discover at claim time that it was a big error on their part. Your goal is to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

We just presented a lot of techniques to save on 2015 Honda Odyssey insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest car insurance. You may even discover the best price on insurance is with some of the smallest insurance companies.

Consumers leave their current company for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, being labeled a high risk driver and even high prices. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.

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