Looking for cheaper car insurance rates for your Honda Odyssey? There isn’t anyone who looks forward to paying premiums for car insurance, particularly when they are paying too much. With vehicle owners having so many insurance companies to choose from, it’s difficult to choose a lower cost insurer.
Pricing the lowest cost coverage is simple if you know the tricks. If you have insurance now or need new coverage, you can learn to find better prices and possibly find even better coverage. Consumers only need an understanding of the most effective way to get comparison quotes online.
Lowering your 2004 Honda Odyssey car insurance rates is actually quite simple. Just spend a little time comparing rate quotes from some recommended companies. This can be done using one of these methods.
It doesn’t matter which method you choose, just ensure you are comparing equivalent coverage information on every price quote you get. If your comparisons have different limits and deductibles on each one it will be next to impossible to decipher which rate is best.
Some insurance providers do not advertise every possible discount very clearly, so we break down both the well known as well as the least known credits available to bring down your rates.
It’s important to note that many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, that’s just not realistic.
For a list of insurers who offer free auto insurance quotes, click here to view.
When choosing adequate coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help you determine if your situation would benefit from professional advice.
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.
Collision insurance covers damage to your Odyssey caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as vandalism, rock chips in glass and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage protects against claims such as medical services, attorney fees, funeral expenses and emergency aid. How much coverage you buy is a personal decision, but you should buy higher limits if possible.
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like funeral costs, pain medications, chiropractic care, X-ray expenses and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your 2004 Honda Odyssey.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.
Doreen Gordon
I compared a lot of rate quotes for a 2004 Honda Odyssey in Saint Louis, Missouri. Ended up at roughly $110 every six months with Auto-Owners. It’s only liability tho.
Coral Dawson
If you have a good history and are close to Springfield, MA, check out State Farm. You might save some money. I think I’ll get rid of full coverage next time.
Lucrecia Francis
I compared a lot of rate quotes for a 2004 Honda Odyssey in Honolulu, HI. Ended up at roughly $110 every six months with American Family. I quoted rates online then called them. Just liability coverage since it’s getting old.
Audie Whitaker
Went with Amica for my Odyssey and saved around $60 a year. Insured with The General before. I don’t put full coverage on it.
Page Dean
I’ve insured with State Farm for a long time. Pretty cheap in Allentown, PA.
Tosha Dunlap
If you’re a decent driver and live in the vicinity of Virginia Beach, Virginia, check out Progressive. I saved quite a bit. Ask about discounts.
Vilma Pope
State Farm quoted the best rates in Kentucky.
Conchita Bernard
Got a quote with Mercury for my Honda and cut my rates about $60 a year. Left GMAC to switch. A clean driving record helps.
Viva Burt
Cheaper not always better. Located in Fargo, ND. Got quotes from Travelers, AIG Insurance, Liberty Mutual, and Safeco for my Honda and saved $110 a year.
Caroll Berger
Does South Dakota have minimum liability laws?
Samara Quinn
For me, Allstate was by far the cheapest in Concord, New Hampshire.
Chanda Noble
Cheap is not always the best policy. Proud to be from Fort Wayne, IN. I got free rates from American Family, Nationwide, and some smaller one I can’t remember the name of for my Odyssey and saved around $90 a year. I get lower rates because of my clean driving record.
Ceola Leonard
I got quite a few price quotes for a 2004 Honda Odyssey in Columbia, SC. Ended up at roughly $120 every six months with AAA. It’s still not cheap enough. It’s only liability tho.