2014 Honda Odyssey Insurance Cost – 8 Ways to Save

Have you finally had enough of being strong-armed to insure your Honda every month? You are no different than the majority of other consumers. Lots of auto insurance companies contend for your business, and because of this it can be hard to compare car insurance companies to discover the definitive lowest rate

If you have a current insurance coverage policy or need a new policy, you will benefit by learning to find the best rates while maintaining coverages. Finding affordable coverage is not rocket science. Drivers just need to know the best way to get comparison rates on the web.

How to compare auto insurance quotes

Many insurance companies give prices direct online. Getting quotes is fairly straightforward as all you need to do is type in into the form. After you submit the form their quoting system sends out for your driving and credit reports and returns pricing information. Quoting online helps simplify price comparisons, but the time required to go to a lot of sites and fill out multiple forms can be a bit repetitive. But it’s very important to do this if you want to find a lower rate.

There is a better way!

The easiest way to compare rates uses one form to get prices from several different companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison a lot less work. Immediately after submitting the form, it is quoted with multiple companies and you can pick any or none of the quotes returned. If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

In order to use this form to compare rates, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you duplicate the insurance coverages as close as possible to your current policy. This ensures you will receive a price comparison using the same coverage and limits.

Are car insurance companies telling the truth?

Drivers can’t get away from all the ads that claim the lowest auto insurance rates from the likes of Geico, State Farm and Progressive. They all try to convey promises about savings if you get a free car insurance quote and switch your policy.

How do they all make the same claim? It’s all in how they say it.

Companies have an ideal profile for the driver that is profitable for them. For instance, a desirable insured may need to be between the ages of 40 and 55, has a clear driving record, and insures a new vehicle. A driver that fits those parameters will get very good auto insurance rates and will also save some money.

Potential insureds who don’t meet these criteria may be forced to pay higher rates and this results in the driver buying from a lower-cost company. The trick companies use is to say “people that switch” but not “everyone who gets a quote” save the amount stated. That’s why companies can truthfully state the savings. Each company has different criteria, so it is so important to do a quote comparison often. You cannot predict which insurance companies will have the best auto insurance rates for your profile.

Get lower-cost car insurance with discounts

Companies that sell car insurance don’t always list all possible discounts in a way that’s easy to find, so the next list breaks down both well-publicized and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

  • Accident Forgiveness – Not really a discount, but certain companies allow you one accident before they charge you more for coverage if your claims history is clear for a set time period.
  • Lower Rates for Military – Being deployed in the military may lower your car insurance rates slightly.
  • Student in College – who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
  • Student Discounts – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
  • Sign Early and Save – Select larger companies give a discount for renewing your policy before your current coverage expires. This can save 10% or more.
  • Discount for Home Ownership – Simply owning a home can earn you a little savings since home ownership demonstrates responsibility.
  • E-sign – Certain companies will provide an incentive for completing your application digitally online.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course as it will make them better drivers and lower rates.

You can save money using discounts, but most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Despite the appearance that you can get free auto insurance, you aren’t that lucky.

Car insurance companies who might offer these discounts include:

When comparing rates, check with all the companies to apply every possible discount. Some of the discounts discussed earlier may not apply to policies in every state. For a list of providers who offer cheap car insurance quotes, follow this link.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions could help you determine if you may require specific advice.

  • Is pleasure use cheaper than using my 2014 Honda Odyssey to commute?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I getting all the discounts available?
  • How can I force my company to pay a claim?
  • Does car insurance cover theft of personal property?
  • Should I buy more coverage than the required minimum liability coverage?
  • What are the financial responsibility laws in my state?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Educate yourself about insurance coverages

Knowing the specifics of insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for chiropractic care, funeral costs, prosthetic devices, pain medications and dental work. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a deer, falling objects and a broken windshield. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision coverage covers damage to your Odyssey resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, backing into a parked car, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Honda Odyssey.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability – Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, attorney fees, bail bonds and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

More quotes. Lower rates.

Throughout this article, we presented a lot of ways to save on 2014 Honda Odyssey insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your prices. You may even find the lowest premium rates come from the least-expected company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

Discount 2014 Honda Odyssey insurance is available both online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide rate quotes online and most of the time these small, regional companies only sell coverage through independent agencies.

Additional information

Comments About 2014 Honda Odyssey Insurance

  1. Hae William

    Will GEICO do a SR22 in Aurora, IL?

  2. Issac Ellis

    Nice info. I live just to the west of Minneapolis, MN. Checked online prices for a 2014 Honda Odyssey. Ended up at about $100 savings annually. Went with Allstate.

  3. Eugenie Compton

    I got a good deal I think. Located in Seattle, WA. I quoted with Hanover, Amica, Mercury, and a couple others for my Odyssey and saved $544 a year. Not sure if rates are cheaper online or through an agent.

  4. Brigid Howe

    Live in Missoula, MT. Don’t remember every company but I ended up saving about $50 each month. Left State Farm to switch.

  5. Laquita Simpson

    I’ve bought from State Farm forever. Cheapest rates in Memphis, TN.

  6. Vasiliki Jordan

    I’m in Kansas City, MO, and GEICO rates were affordable. I get lower rates because of my clean driving record. It was easy to get rates.

  7. Darrell Weber

    Does 21st Century insure after a DUI?