How Much Does 2017 Honda Odyssey Insurance Cost?

Trying to find the cheapest insurance rates for your Honda Odyssey? Sick and tired of sacrificing other expenses to keep your car insured? You’re in the same situation as many other drivers.

Drivers have many auto insurance companies to buy insurance from, and although it’s nice to have multiple companies, it can be more challenging to find the lowest rates.

Smart consumers take time to check insurance prices once or twice a year due to the fact that insurance prices change regularly. Just because you had the lowest price on Odyssey insurance a year ago you will most likely find a better rate quote today. There is a lot of bad information regarding insurance on the internet, but in just a couple of minutes you can learn the easiest ways to slash your insurance rates.

Locating cheaper coverage is easy if you know what you’re doing. In a nutshell, anyone who has to buy insurance coverage will most likely be able to lower their premiums. Although vehicle owners need to have an understanding of how insurance companies market on the web and take advantage of how the system works.

How to shop car insurance online

Effectively comparing car insurance prices can be challenging if you don’t understand the most efficient way. You could spend the better part of a day talking to insurance agencies in your area, or you could use online quotes to get prices fast.

Most car insurance companies belong to an insurance system that allows shoppers to submit one quote, and every company returns a rated price for coverage. This saves time by eliminating quotation requests for each company. To compare pricing click to open in new window.

The single downside to pricing coverage this way is that consumers can’t choose which insurance companies to get pricing from. If you would rather choose individual companies to compare prices, we have assembled a list of companies who write car insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just make sure you use equivalent coverage limits on every quote. If you have different values for each quote you will not be able to make a fair comparison for your Honda Odyssey. Quoting even small variations in insurance coverages may cause a big price difference. Just keep in mind that comparing a wide range of rates provides better odds of finding the best offered rates.

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Cheaper insurance rates with discounts

Insuring your fleet can be pricey, but you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically when you get a quote, but a few need to be specially asked for before you will receive the discount. If you check and find you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

Early Switch Discount – A few larger companies allow discounts for buying a new policy prior to your current policy expiration. It can save you around 10%.
Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts as much as 30%.
Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
Own a Home – Owning a house can get you a discount since owning and maintaining a home demonstrates responsibility.
Seat Belt Usage – Requiring all passengers to fasten their seat belts can save 10% or more off the personal injury premium cost.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So when it seems like adding up those discounts means a free policy, that’s just not realistic.

A list of insurance companies and some of the premium reductions they offer can be found below.

21st Century offers premium reductions for 55 and older, student driver, good student, defensive driver, theft prevention, and early bird.
Progressive has savings for good student, multi-policy, online quote discount, continuous coverage, multi-vehicle, and online signing.
State Farm may have discounts that include passive restraint, good student, Drive Safe & Save, multiple policy, and driver’s education.
Nationwide offers discounts including Farm Bureau membership, accident-free, family plan, good student, defensive driving, multi-policy, and business or organization.
Esurance may offer discounts for online quote, multi-policy, DriveSense, Switch & Save, online shopper, and defensive driver.
The Hartford has discounts for anti-theft, vehicle fuel type, bundle, air bag, good student, defensive driver, and driver training.

When quoting, ask each company which discounts they offer. All car insurance discounts may not apply in your area. To find insurance companies that offer the discounts shown above, click here.

Honda Odyssey insurance costs can be cheaper

Many factors are taken into consideration when quoting car insurance. Some factors are common sense like your driving record, although some other factors are not quite as obvious like where you live and annual miles driven.

Driver age impacts costs – Inexperience drivers are statistically proven to be easily distracted when at the wheel of a vehicle and because of this, their car insurance rates are much higher. Adding a teenage driver onto your car insurance can be very expensive. Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents and receive fewer citations.
Gender matters – Over the last 30 years, statistics show that men are more aggressive behind the wheel. Now that doesn’t mean females are better drivers. Males and females have auto accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as DWI and reckless driving. Teenage male drivers generally have the highest accident percentage and thus pay the highest rates.
Alarm systems lower prices – Driving a car with a theft deterrent system can save you some money. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping vehicle theft.
Frequent policy claims will cost more – Auto insurance companies generally give better rates to insureds who do not file claims often. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
Get married and get cheaper rates – Getting married can get you a discount on your policy. Having a significant other may mean you are less irresponsible and insurance companies like that married drivers tend to file fewer claims.
Big cities have higher rates – Living in smaller towns and rural areas of the country has it’s advantages when talking about car insurance. Less people means reduced accidents and lower theft and vandalism rates. People who live in big cities have more traffic problems and a longer drive to work. More time behind the wheel means more chances of being involved in an auto accident.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you may require specific advice.

Am I covered if I hit a deer?
When should I remove comp and collision on my 2017 Honda Odyssey?
Am I getting all the discounts available?
What is no-fault insurance?
Does my liability insurance cover pulling a trailer or camper?
When would I need additional glass coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most auto insurance policies.

Collision coverage – This coverage pays for damage to your Odyssey caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, damaging your car on a curb, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, vandalism and hitting a bird. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability – Liability insurance provides protection from damage that occurs to people or other property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, attorney fees, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as chiropractic care, rehabilitation expenses, pain medications, surgery and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your 2017 Honda Odyssey.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Get your money’s worth

When getting car insurance quotes online, you should never buy less coverage just to save a little money. There are many occasions where drivers have reduced liability coverage limits only to find out that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

You just learned many tips how you can compare 2017 Honda Odyssey insurance rates online. It’s most important to understand that the more you quote car insurance, the more likely it is that you will get a better rate. You may even find the lowest rates come from a small mutual company. They may only write in your state and offer lower car insurance rates compared to the large companies like Allstate or State Farm.