1999 Honda Odyssey Insurance Rates – 5 Discounts for Best Quotes

Searching for better insurance rates for your Honda Odyssey? Scraping up a payment for pricey Honda Odyssey insurance can stress out your bank account and possibly require you to analyze your spending habits. Doing a rate comparison is an excellent way to lower your monthly bill.

Insurance companies such as Geico, Progressive and Allstate increase brand awareness with advertising and consumers find it hard to ignore the flashy ads and find the best price available.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is not that difficult. But vehicle owners benefit from understanding how the larger insurance companies determine prices and take advantage of how the system works.

Compare car insurance quotes

The are a couple different ways to compare quotes from local car insurance companies. The recommended way to find the cheapest Honda Odyssey insurance rates involves getting comparison quotes online. It’s really quite simple and can be done in a couple of different ways.

1. The fastest and easiest way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing separate quotation requests for each company you want a rate for. One simple form gets insurance cost estimates from multiple companies.
2. A less efficient way to find better pricing requires visiting the website of each company to complete a price quote. For instance, we’ll assume you want to compare prices for USAA, Progressive and American Family. In order to compare rates, you need to spend time on each company’s site and repeatedly enter your information, which is why the first method is more popular.

   For a handy list of car insurance company links in your area, click here.

3. The most time-consuming method to compare price estimates is going to each insurance agency near you. The internet makes this process obsolete unless you have a need for the professional advice of a licensed agent. It is possible with some companies comparison shop online but buy the policy through an agent.

Compare rates however you want, just compare the same quote information on every price quote you get. If you use unequal deductibles or liability limits it will be nearly impossible to make a fair rate comparison. Just slight variations in limits can mean a large discrepancy in price. It’s important to know that comparing all the rates in your area gives you a better chance of getting the best offered rates.

Insurance coverage policy discounts you can’t miss

Insuring your fleet can be pricey, but there could be available discounts that many consumers don’t even know exist. A few discounts will be applied when you get a quote, but occassionally some discounts must be inquired about before being credited. If you aren’t receiving every discount you qualify for, you are just wasting money.

• Government Employees – Having worked for a branch of the government may qualify for a discount when you quote auto insurance on Odyssey insurance with a few insurance coverage companies.
• Claim-Free Discount – Drivers who stay claim-free pay less as compared to accident-prone drivers.
• Drivers Education – Require your teen driver to enroll and complete driver’s education if offered at their school.
• Onboard Data Collection – Drivers that enable their insurance company to scrutinize their driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they exhibit good driving behavior.
• Driver Safety – Passing a driver safety course could cut 5% off your bill if your company offers it.

Just know that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To see a list of providers with significant discounts, click here.

Insurance agents can help

When it comes to buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help you determine if your insurance needs could use an agent’s help.

• At what point should I drop full coverage?
• Can I afford low physical damage deductibles?
• Do I need replacement cost coverage on my 1999 Honda Odyssey?
• Which companies will insure high-risk drivers?
• Are my friends covered when driving my 1999 Honda Odyssey?
• Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage information

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverage types found on the average auto insurance policy.

Collision coverages – Collision insurance covers damage to your Odyssey caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive coverages – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed, a broken windshield and fire damage. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability – Liability insurance can cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as medical expenses, attorney fees, pain and suffering and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as hospital visits, X-ray expenses, EMT expenses and ambulance fees. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

More effort can pay off

When searching for cheap auto insurance quotes, you should never reduce coverage to reduce premium. In many instances, someone sacrificed full coverage and learned later they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

Lower-priced insurance coverage is definitely available online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not offer online rate quotes and usually these small insurance companies sell through independent agents.

For more information, link through to these articles:

• Top Signs Your Brakes are Giving Out (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• What does Personal Injury Protection (PIP) Cover? (Allstate)