How Much Does 2013 Honda Odyssey Insurance Cost?

Trying to find the cheapest insurance for a Honda Odyssey can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to shop for auto insurance and you need to know the absolute fastest way to price shop coverage for a new or used Honda and get the lowest possible price from both online companies and local agents.

You should take the time to compare prices occasionally because prices are usually higher with each renewal. Just because you found the best price for Odyssey coverage a year ago there may be better deals available now. Forget all the misinformation about auto insurance because you’re about to learn the best methods to save on auto insurance.

If you have insurance now or are shopping for new coverage, you can use these techniques to get lower rates while maintaining coverages. Buying affordable insurance coverage coverage is simple if you know the tricks. Drivers just need to learn the proper methods to find the lowest price on the web.

First Step: Get free insurance quotes

Getting low cost 2013 Honda Odyssey insurance pricing is not rocket science. Just take a couple of minutes comparing price quotes to discover which company has inexpensive insurance quotes. It’s super easy and can be done by using one of the methods below.

1. One of the simplest ways to get quotes would be an industry-wide quote request form click here to open form in new window. This quick form eliminates the need for separate quotes for each price estimate. One form submission will get you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
2. A more time consuming way to analyze rates is going to the website of each company to request a price quote. For examples sake, let’s assume you need rates from USAA, Safeco and Liberty Mutual. To get rate quotes you would need to go to every website and type in your information over and over, which can be really labor intensive.

   For a list of links to insurance companies in your area, click here.

3. The least recommended way to shop rates to each insurance agency near you. The ability to get quotes online can eliminate the need for a local agent unless you prefer the professional guidance only provided by licensed agents. It is possible with some companies obtain prices from the web but have your policy serviced through an agent.

Which method you use is up to you, but ensure you’re using apples-to-apples coverage limits and deductibles on every price quote you get. If you use different limits and deductibles on each one you will not be able to determine which rate is truly the best.

Find discounts to get cheap auto insurance quotes

Some insurance providers do not list their entire list of discounts very clearly, so the list below gives a summary of both the well known and also the more inconspicuous credits that you can use to lower your rates.

• Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 15% on the medical payments or PIP coverage costs.
• Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote compared to drivers with a long claim history.
• Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for a small decrease in premiums for Odyssey coverage.
• Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
• Sign Early and Save – A few insurance companies allow discounts for signing up before your current policy expires. You could save around 10% when you buy insurance online.
• Multiple Vehicles – Drivers who insure multiple cars or trucks on the same auto insurance policy can get a discount for every vehicle.
• Military Discounts – Being deployed in the military could be rewarded with lower prices.
• Own a Home and Save – Being a homeowner may earn you a small savings because of the fact that having a home means you have a higher level of financial diligence.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

To locate auto insurance companies that provide some of the discounts listed above, follow this link.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions may help you determine whether you might need professional guidance.

• What is roadside assistance coverage?
• Should I buy full coverage?
• Do I need added coverage for expensive stereo equipment?
• If my 2013 Honda Odyssey is totaled, can I afford another vehicle?
• Should I rate my 2013 Honda Odyssey as pleasure use or commute?
• Will my insurance pay for OEM parts?
• Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your car insurance policy

Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverages – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hail damage, hitting a deer, hitting a bird and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, backing into a parked car, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Honda Odyssey.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as pain medications, prosthetic devices and ambulance fees. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance – Liability insurance protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like repair costs for stationary objects, attorney fees, structural damage and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Saving money is sweet as honey

When searching for cheap insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your aim should be to get the best coverage possible for the lowest price, but do not skimp to save money.

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, extreme rates for teen drivers, poor customer service or denial of a claim. It doesn’t matter why you want to switch finding a new company can be easier than you think.

In this article, we covered a lot of techniques to get a better price on 2013 Honda Odyssey insurance. The key concept to understand is the more times you quote, the higher your chance of finding affordable insurance. Consumers could even find that the biggest savings come from some of the lesser-known companies.

To read more, feel free to visit these articles:

• Safety Belts FAQ (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Frontal Crash Tests (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• Teen Driving and Texting (State Farm)