Save on 2016 Honda Odyssey Insurance Rates

If price shopping auto insurance quotes online is new to you, most likely you are baffled due to the large number insurance agents and companies offering coverage.

It’s a great practice to shop coverage around every six months due to the fact that insurance prices change quite often. Just because you found the best price on Odyssey insurance a couple years back you will most likely find a better rate quote today. You’ll find a ton of advice on car insurance on the web, but in this article, you’re going to get some tested techniques to quit paying high car insurance rates.

How to get insurance quotes

There are a variety of methods to compare insurance quotes, but one way is easier and takes less work. You could waste a few hours talking to agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Many popular insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and each company then gives them pricing based on that information. This system prevents you from having to do quotation requests to every company.

To submit your quote information now, click here to start a free quote.

The one disadvantage to doing it this way is that you can’t choose which insurance companies you want to price. So if you prefer to choose specific insurance companies to receive pricing from, we have a page of insurance companies in your area. Click to view list.

The method you choose is up to you, but be certain you are entering nearly identical deductibles and coverage limits for every quote you compare. If you compare unequal deductibles or liability limits it’s impossible to determine which company has the best rates. Just slight variations in coverage limits may cause a big price difference. And when comparison shopping, comparing all the rates in your area provides better odds of finding a lower rate than you’re paying now.

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Discounts can really help save money

Buying auto insurance is not cheap, but there could be significant discounts to cut the cost considerably. Some of these disounts will be visible when you quote, but some may not be applied and must be asked about before being credited. If you don’t get every credit available, you could be getting lower rates.

Early Renewal Discounts – A few companies give discounts for buying a new policy before your current expiration date. This can save 10% or more.
Passive Restraint Discount – Factory options such as air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
Driving Data Discount – Drivers that enable companies to scrutinize vehicle usage by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as the data is positive.
Auto/Life Discount – Some companies give a discount if you purchase some life insurance too.
Multiple Vehicles – Buying coverage for multiple cars or trucks on a single policy can reduce the rates for all insured vehicles.
Military Deployment Discount – Being on active duty in the military could qualify you for better rates.
Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
E-sign Discounts – Some larger companies give back up to $50 simply for signing on the internet.
Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.

A quick disclaimer, most of the big mark downs will not be given the the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.

Large auto insurance companies and some of the discounts are detailed below.

Progressive includes discounts for multi-policy, homeowner, multi-vehicle, continuous coverage, good student, and online signing.
AAA discounts include pay-in-full, education and occupation, multi-car, anti-theft, good student, and good driver.
Farmers Insurance may have discounts that include alternative fuel, multi-car, switch companies, early shopping, pay in full, electronic funds transfer, and good student.
GEICO has savings for air bags, federal employee, membership and employees, multi-vehicle, good student, emergency military deployment, and seat belt use.
Esurance may offer discounts for DriveSense, defensive driver, safety device, anti-lock brakes, and multi-car.
SAFECO may include discounts for drive less, accident prevention training, multi-car, bundle discounts, teen safe driver, and anti-theft.
State Farm offers discounts including anti-theft, passive restraint, Steer Clear safe driver discount, safe vehicle, good student, defensive driving training, and accident-free.

If you need affordable auto insurance quotes, ask every prospective company to give you their best rates. Some discounts may not apply in your area. If you would like to choose from a list of providers with significant discounts, click this link.

Will just any policy work for me?

When it comes to buying coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if you might need an agent’s assistance.

Are all vehicle passengers covered by medical payments coverage?
Is a new car covered when I drive it off the dealer lot?
Are my tools covered if they get stolen from my vehicle?
Is my 2016 Honda Odyssey covered for flood damage?
Does my insurance cover my expensive audio equipment?
Can my babysitter drive my car?
Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages for a 2016 Honda Odyssey

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage

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

Collision can pay for things like damaging your car on a curb, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Auto liability insurance

This can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

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 policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as funeral expenses, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for EMT expenses, X-ray expenses, surgery and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, vandalism, a broken windshield, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.