View 1998 Honda Odyssey Insurance Rates

Want better insurance coverage rates for your Honda Odyssey? Trying to find better insurance prices for a new or used Honda Odyssey can turn out to be a lot of work, but you can use these tips to save time.

There is a better way to compare insurance coverage rates and you need to know the best way to get price quotes for a Honda and locate the lowest price from local insurance agents and online providers.

How to Get Car Insurance

Cutting your car insurance rates can be surprisingly simple. You just need to take the time comparing rate quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

1. One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating multiple quote forms for each company you want a rate for. One form will return quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
2. A different way to compare prices is to manually visit each company’s website to complete their respective quote request forms. For sake of this example, let’s say you want to compare Auto-Owners, Progressive and Farmers. You would have to visit each site and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
3. The hardest method to get comparison rates is to spend time driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the professional advice only provided by licensed agents. However, consumers can comparison shop your insurance online and get advice from an agent in your area and you’ll learn how to do that later.

Whichever method you choose, make sure you use the exact same deductibles and coverage limits for each comparison quote. If each company quotes unequal deductibles or liability limits you can’t possibly make a fair comparison for your Honda Odyssey.

It’s not one size fits all

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover if your situation would benefit from an agent’s advice.

• Do I have coverage if my license is suspended?
• Do I need motorclub coverage?
• What is an SR-22 filing?
• Can I afford to buy a different vehicle if my 1998 Honda Odyssey is totaled?
• Is my babysitter covered when using my vehicle?
• Should I buy full coverage?
• Why am I required to buy high-risk coverage?
• Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Car insurance 101

Understanding the coverages of your insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Odyssey.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like hospital visits, rehabilitation expenses, funeral costs, chiropractic care and dental work. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, medical expenses, repair costs for stationary objects and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This will pay to fix damage to your Odyssey from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, damage from a tornado or hurricane and fire damage. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.