2016 Honda Odyssey Insurance Quotes – 10 Savings Tips

Did you fall for a flashy sales pitch and buy an expensive car insurance policy? You’re preaching to the choir because you’re not the only one.

Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest price

If you have car insurance now, you will most likely be able to save some money using these tips. Choosing the best insurance company for you is not that difficult. Nevertheless, consumers should learn the way insurance companies market insurance on the web and use this information to your advantage.

Free insurance price quotes

Comparing insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most major companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and each participating company provides a quote based on the submitted data. This prevents consumers from doing quote requests for every insurance company.

To get comparison pricing now click here to start a free quote.

The only drawback to using this type of form is you can’t choose the insurers you want pricing from. If you wish to select specific insurance companies for rate comparison, we put together a list of low cost insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you are using exactly the same quote data for each price quote. If you enter different values for each quote it will be very difficult to truly determine the lowest rate. Quoting even small variations in limits could skew the results. It’s important to know that having more price comparisons will improve the odds of getting the best price.

Can you really save if you switch?

Well-known insurance coverage companies like Geico, State Farm and Progressive consistently run television and radio advertisements. They all convey the message that drivers will save a bundle just by switching your insurance coverage policy to them. How do they all make the same claim? Here is the trick they use.

Companies have specific criteria for a prospective insured that is profitable for them. One example of a desirable insured could be over the age of 40, has a low-risk occupation, and the vehicle is rated for pleasure use. A propective insured who fits that profile will get low rates and have a good chance to pay quite a bit less when switching companies.

Potential insureds who cannot meet these standards will have to pay a higher rate which leads to the customer buying from someone else. The trick companies use is to say “people that switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can advertise the savings.

Because of these techniques, drivers should compare price quotes frequently. Because without a comparison, you cannot know with any certainty which company will have the lowest rates.

Don’t overlook these ten insurance coverage discounts

Some insurers don’t necessarily list every disount available very well, so the following list contains a few of the more well known as well as some of the hidden insurance coverage savings.

• Driving Data Discount – People who choose to allow their company to analyze when and where they use their vehicle remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they exhibit good driving behavior.
• Anti-lock Brake System – Cars that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.
• College Student Discount – Kids who are attending college and leave their car at home may be insured at a cheaper rate.
• Good Driver Discounts – Drivers who don’t get into accidents can save as much as half off their rates for Odyssey coverage as compared to drivers with claims.
• Passive Restraint Discount – Factory air bags or automatic seat belts may qualify for discounts of up to 25% or more.
• No Claims – Claim-free drivers can save substantially when compared with frequent claim filers.
• 55 and Retired – Mature drivers may receive better insurance coverage rates for Odyssey coverage.
• Low Mileage – Keeping the miles down on your Honda can earn lower insurance coveragerates due to less chance of an accident.
• Savings for New Vehicles – Insuring a new car can get you a discount since new model year vehicles have better safety ratings.
• Auto/Home Discount – When you have multiple policies and insure them with the same company you could save up to 20% and get you affordable auto insurance.

It’s important to note that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, you aren’t that lucky.

Companies who may offer these discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

If you need low cost auto insurance quotes, ask each company how you can save money. Depending on the company, some discounts may not apply to policyholders in your area.

When to get professional advice

When it comes to buying the best insurance coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if you may require specific advice.

• Are rental cars covered under my policy?
• Am I covered when driving a rental car?
• I have health insurance so do I need medical payments coverage?
• What is UM/UIM insurance?
• What is the rate difference between pleasure use and commuting?
• Is a blown tire covered by insurance?
• Am I covered by my spouse’s policy after a separation?
• Why do I need rental car insurance?
• Why am I required to get a high-risk car insurance policy?

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 lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Information about specific coverages

Knowing the specifics of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for ambulance fees, X-ray expenses, pain medications and surgery. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision protection

This will pay to fix damage to your Odyssey resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, crashing into a building, backing into a parked car, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as pain and suffering, medical services, bail bonds, repair costs for stationary objects and medical expenses. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, hitting a deer, fire damage and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 2016 Honda Odyssey.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits are similar to your liability insurance amounts.

One last thing

As you quote auto insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced liability coverage limits and discovered at claim time that they should have had better coverage. The aim is to buy a smart amount of coverage at a price you can afford.

The cheapest 2016 Honda Odyssey insurance is attainable from both online companies and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies don’t offer the ability to get quotes online and many times these small, regional companies prefer to sell through independent agencies.

Other information

• Prom Night Tips for Teen Drivers (State Farm)
• Auto Theft Statistics (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Airbag FAQ (iihs.org)