View 2010 Honda Odyssey Insurance Quotes

Trying to find better insurance coverage rates for your Honda Odyssey? Purchasing affordable insurance coverage might appear problematic for buying insurance on the internet. With a ridiculous number of online companies available, how can drivers be able to compare every insurance coverage company to find the cheapest price possible?

You should make it a habit to get comparison quotes before your policy renews because prices trend upward over time. Just because you had the lowest price on Odyssey insurance six months ago there is a good chance you can find better rate quotes now. You can find a lot of wrong information about insurance coverage out there, but in just a couple of minutes you can learn some of the best ways to put money back in your pocket.

Buying car insurance is not that difficult. In a nutshell, everyone who carries car insurance should be able to save money. Although consumers need to have an understanding of how companies market on the web and apply this information to your search.

Pay discount rates with these discounts

Not too many consumers would say auto insurance is affordable, but there could be significant discounts that many consumers don’t even know exist. Certain credits will be shown at the time of quoting, but a few need to be requested specifically prior to receiving the credit.

• Multiple Vehicles – Buying a policy with all your vehicles on one policy can reduce the rates for all insured vehicles.
• Accident Waiver – This one is not really a discount per se, but certain companies permit an accident without raising rates if you have no claims prior to the accident.
• No Claim Discounts – Claim-free drivers have much lower rates compared to policyholders that have many claims.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life insurance policy as well.
• Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of 20 to 30 percent.
• Defensive Driver Discount – Participating in a defensive driving course could cut 5% off your bill if your company offers it.
• Own a Home and Save – Owning a home may trigger a policy discount on auto insurance because it requires personal responsibility.

A little disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like medical payments or collision. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts will help lower your auto insurance premiums.

Auto insurance companies who might offer these discounts may include but are not limited to:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

When comparing rates, check with every prospective company which discounts can lower your rates. Some discounts may not be available in every state. For a list of auto insurance companies that offer many of these discounts, click this link.

Cheapest auto insurance price quotes

Performing a rate comparison can take hours if you don’t understand the most efficient way. You could spend your day talking to insurance companies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

All the larger companies take part in a program where insurance shoppers enter their policy data once, and every company returns a rated price for coverage. This eliminates the need for repetitive form submissions for each company.

To compare pricing click here to start a free quote.

The only drawback to doing it this way is you are unable to specify which providers you want pricing from. If you wish to select individual companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, be sure to compare exactly the same quote data on every price quote you get. If the quotes have different values for each quote you can’t possibly truly determine the lowest rate. Just a small difference in coverage limits can result in a big premium difference. And when quoting auto insurance, remember that making a lot of price comparisons helps improve the odds of finding better pricing. Not every company provides rate quotes online, so it’s important to also get prices on coverage from those companies, too.

Insurance premiums are influenced by these factors

Many different elements are part of the calculation when quoting car insurance. Some are pretty understandable like your driving record, but other criteria are less apparent such as whether you are married and annual miles driven.It’s important that you understand the different types of things that are used to determine the level of your policy premiums. When you understand what determines premiums, this empowers consumers to make smart changes that will entitle you to big savings.

• Experienced drivers pay less – Teen drivers are proven to get distracted easily when behind the wheel therefore auto insurance rates are much higher. More mature drivers are more responsible, tend to cause fewer accidents , and usually have better credit.
• Save money by eliminating extra policy coverages – Policies have optional add-on coverages you can purchase if you aren’t careful. Insurance for coverage for rental cars, better glass coverage, and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you have no use for them think about removing them and cutting costs.
• Limits of liability protection – Your policy’s liability coverage provides coverage in the event that you are determined to be liable for personal injury or accident damage. Liability provides legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
• Better drivers pay lower premiums – Your driving record has a huge affect on how much you pay. Even one ticket can increase rates by as much as twenty percent. Good drivers get better rates than people who have multiple driving citations. People who have serious citations such as DUI or willful reckless driving may face state-mandated requirements to complete a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
• Your job may affect auto insurance rates – Occupations like military generals, architects and miners tend to have the highest rates attributed to job stress and lots of time spent at work. Other careers like professors, engineers and the unemployed generally pay rates lower than average on Odyssey insurance.
• Consider raising coverage deductibles – Physical damage deductibles tell how much you are willing to pay before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are rearending another vehicle, damage from fire, or theft of your vehicle. The higher the amount you’re willing to pay, the lower your rates will be on Odyssey insurance.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight if your situation might need an agent’s assistance.

• Why am I required to buy high-risk coverage?
• Do I have coverage when pulling a U-Haul trailer?
• Do I need added coverage for expensive stereo equipment?
• Do I need roadside assistance coverage?
• Am I better off with higher deductibles on my 2010 Honda Odyssey?
• Is my dog or cat covered if injured in an accident?
• Should I carry comprehensive and collision coverage?
• How do I buy GAP insurance?
• Are rock chip repairs covered?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Don’t be fooled by advertising claims

Respected companies like Progressive, Allstate and Geico regularly use ads in print and on television. They all seem to tend to make the same promise that people will save if you get a free insurance quote and switch to their company. But how can every company offer drivers better rates?

Companies have underwriting criteria for the type of driver that will be a good risk. For instance, this type of risk profile may need to be over the age of 50, owns their home, and has great credit. A propective insured that matches those criteria is entitled to the best price and will most likely save a lot of money.

Potential insureds who cannot meet these criteria will be quoted higher premiums and this results in the customer buying from a different company. The trick companies use is to say “people that switch” not “everyone who quotes” save that much when switching. That is how insurance companies can make those claims. That is why you really should compare price quotes frequently. It is just not possible to predict which insurance company will have the best prices at this point in time.

Specific coverage details

Having a good grasp of a car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Insurance for medical payments – Med pay and PIP coverage pay for bills like hospital visits, ambulance fees and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, a tree branch falling on your vehicle and hitting a deer. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision coverage will pay to fix damage to your Odyssey caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, crashing into a building, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability insurance – This can cover damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things like medical services, structural damage and loss of income. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Coverage on a shoestring budget

More affordable car insurance can be found from both online companies as well as from insurance agents, so you need to quote insurance with both in order to have the best chance of saving money. There are still a few companies who don’t offer online rate quotes and these smaller companies prefer to sell through independent insurance agents.

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed full coverage and learned later that the savings was not a smart move. The proper strategy is to find the BEST coverage at a price you can afford, but do not skimp to save money.

Throughout this article, we presented a lot of information how to save on 2010 Honda Odyssey insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper insurance. You may even discover the lowest rates are with a small mutual company.

More tips and info about car insurance can be found at these sites:

• Insuring a Leased Car (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)