Lower Your 2015 Honda Odyssey Insurance Quotes

Searching for better insurance rates for your Honda Odyssey? Scraping up a payment for overpriced Honda Odyssey insurance can empty your checking account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to cut your insurance bill.

Many insurance companies vie for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the cheapest price

If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. Finding affordable coverage is easy if you know what you’re doing. But vehicle owners should learn how big insurance companies market insurance on the web.

Quick Car Insurance Quotes

The are a couple different ways of comparing rate quotes from local car insurance companies. The simplest method to compare 2015 Honda Odyssey insurance prices is simply to get online rate quotes. This can be accomplished in a couple of different ways.

• One of the simplest ways consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating separate quotes for every car insurance company. Completing one form will get you price quotes from multiple companies.
• A harder way to compare prices is to take the time to go to each individual company website and fill out their own quote form. For sake of this example, let’s assume you want to compare State Farm, Farmers and American Family. To get each rate you have to spend time on each company’s site to enter your coverage 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.

It’s up to you how you get prices quotes, just be sure to compare identical deductibles and coverage limits with every price quote. If you use different values for each quote it will be next to impossible to determine which rate is truly the best. Just a small difference in coverage limits can make a big difference in price. Just remember that obtaining a wide range of quotes gives you a better chance of getting a lower rate.

Your coverage should be tailored to you

When choosing the best car insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different so this has to be addressed. For instance, these questions can help discover if your insurance needs could use an agent’s help.

• Should I buy additional glass protection?
• Does coverage extend to a rental car in a foreign country?
• Is a new car covered when I drive it off the dealer lot?
• What can I do if my company denied a claim?
• Do I need replacement cost coverage on my 2015 Honda Odyssey?
• Am I covered when pulling a rental trailer?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance coverages 101

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages available from auto insurance companies.

Liability auto insurance

This provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as attorney fees, medical expenses, pain and suffering, bail bonds and court costs. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, damage from getting keyed, damage from flooding, fire damage and hitting a bird. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills like surgery, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays for damage to your Odyssey resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, sideswiping another vehicle, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.