How Much Does 2017 Honda Odyssey Insurance Cost?

I can’t think of anyone who is fond of buying insurance coverage, especially when they are paying too much. Big companies like State Farm, Progressive and Geico increase brand awareness with catchy ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

How to shop auto insurance online

Getting cheaper 2017 Honda Odyssey auto insurance pricing can be surprisingly simple. Just invest a few minutes to get quotes to find. Rate comparisons can be done using a couple different methods.

1. Without a doubt, the easiest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating multiple quote forms for each company. Completing one form will get you rate comparisons instantly.
2. A less efficient way to shop for auto insurance online requires you to visit the website for every company you want to comare to complete a price quote. For examples sake, let’s say you need rates from Nationwide, Farmers and Geico. In order to get each rate, you would have to navigate to each company’s site and type in your information over and over, which is why the first method is more popular.

   To view a list of companies in your area, click here.

3. The last way to find lower rates is to spend time driving to and from local insurance agencies. Comparing rate quotes online can eliminate the need for a local agent unless you want the trained guidance that only an agent can give. If you prefer, some companies allow you to get the lowest quotes online but still have the advice of a local agent.

Whichever method you choose, be sure you’re using identical coverage limits and deductibles for every quote you compare. If you are comparing different coverage information you will not be able to make an equal comparison.

Discount insurance quotes

Insurance is not an enjoyable expense, but discounts can save money and there are some available that you may not know about. Some of these disounts will be visible at quote time, but lesser-known reductions have to be asked for before you get the savings.

• Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
• Senior Citizen Discount – Drivers that qualify as senior citizens may receive a slight reduction on a auto insurance quote on Odyssey coverage.
• Accident Waiver – This one isn’t a discount, but companies like Geico, Progressive, and Allstate will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims for a set time period.
• E-sign – A few insurance companies will discount your bill up to fifty bucks for buying your policy on the web.
• Use Seat Belts – Requiring all passengers to use a seat belt could save 15% on medical payment and PIP coverage.
• Onboard Data Collection – Policyholders that allow driving data collection to look at where and when they drive remotely like Allstate’s Drivewise could see a rate decrease as long as they are good drivers.
• Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• Professional Memberships – Joining a professional or civic organization could earn you a nice discount on your policy.
• Discount for Multiple Policies – If you can combine your auto and home policy and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.

To find insurance companies that can offer you the previously mentioned discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique and your policy should reflect that. These are some specific questions might point out if your situation would benefit from an agent’s advice.

• What is the difference between comprehensive and collision coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my business laptop covered if it gets stolen from my vehicle?
• When should I buy a commercial auto policy?
• Are all vehicle passengers covered by medical payments coverage?
• How much liability do I need to cover my assets?
• Why am I required to buy high-risk coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

What insurance coverages do you need?

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Coverage for collisions

Collision coverage pays for damage to your Odyssey caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Honda Odyssey.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses like rehabilitation expenses, X-ray expenses, prosthetic devices, chiropractic care and dental work. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive coverages

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

Comprehensive coverage pays for things such as theft, hitting a bird and damage from flooding. 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 removing comprehensive coverage.

Coverage for liability

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like medical expenses, court costs, repair bills for other people’s vehicles, attorney fees and pain and suffering. How much liability should you purchase? That is up to you, but buy as large an amount as possible.