2011 Honda Odyssey Car Insurance Cost – 5 Savings Tips

Searching for lower insurance rates for your Honda Odyssey? Locating low-cost insurance for a Honda Odyssey can be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to buy insurance so you’re going to learn the best way to compare rates for a new or used Honda and get the best price possible from both online companies and local agents.

Consumers need to price shop coverage occasionally because insurance rates are constantly changing. Even if you think you had the lowest price for Odyssey insurance six months ago you may be paying too much now. You’ll find quite a bit of inaccurate information about insurance on the web, but by reading this article, you’re going to learn the best ways to find cheap insurance.

Vehicle Insurance Comparison

Performing a rate comparison can be exhausting if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get pricing more quickly.

All the larger companies take part in a program where insurance shoppers complete one form, and at least one company returns a competitive quote determined by their information. This saves time by eliminating quote forms to every company. To find out how much you can save on auto insurance click here to start a free quote.

The single downside to using this type of form is you cannot specify which providers you will receive quotes from. If you wish to select specific insurance companies to compare prices, we have assembled a list of auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use identical deductibles and coverage limits with each company. If each company quotes different values for each quote you can’t possibly truly determine the lowest rate.

Will just any policy work for me?

When choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether your personal situation will benefit from professional help.

  • Am I covered if my car is in a flood?
  • Do I need added coverage for expensive stereo equipment?
  • What companies insure drivers after a DUI or DWI?
  • Are rental cars covered under my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverages for a Honda Odyssey

Having a good grasp of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Honda Odyssey.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, hail damage, damage from getting keyed, damage from flooding and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, rolling your car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance can cover damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like funeral expenses, pain and suffering, legal defense fees, medical services and loss of income. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage pay for bills like prosthetic devices, EMT expenses, doctor visits, hospital visits and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage