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Honda Odyssey Insurance Rates

Finding cheaper car insurance by comparing rates online saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to compare rates from all companies in order to accurately compare the lowest prices.

Finding the best direct price on car insurance is challenging if you are a beginner to online rate quotes. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates and find the best price. The easiest way to find the cheapest Odyssey insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine the rate you pay?

Insurance rates on a Honda Odyssey will vary greatly and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Your credit history
  • Male rates may be higher
  • The deductible you choose
  • Your vehicle's safety rating
  • Your profession
  • Insurance coverage level
  • Whether you rent or own your home

One last important factor which can affect the rate you pay on your Honda is the year of manufacture. Models that are a few years old have a reduced actual cash value so the cost to replace them may end up costing you less. Although newer vehicles may have options included like automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive so those may help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability insurance - This can cover damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as much as you can afford.

Collision - This covers damage to your Honda resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Odyssey can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper Odyssey insurance rates.

Comprehensive insurance - This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum 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 it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP coverage is not an option in every state and may carry a deductible.

How Much are Honda Odyssey Insurance Rates?