Buying Insurance for Your Honda Odyssey Just Got A Whole Lot Cheaper

Finding better insurance prices for a Honda Odyssey can normally be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to get price quotes for a Honda and get the cheapest rates.

Are you getting all your discounts?

Insuring your fleet can be pricey, but companies offer discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but a few must be specially asked for before they will apply. If you’re not getting every credit possible, you’re just leaving money on the table.

Sign Online – Certain companies will discount your bill up to fifty bucks simply for signing over the internet.
One Accident Forgiven – A few companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.
Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Odyssey coverage depending on your company.
Auto/Home Discount – When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
College Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
Claim Free – Good drivers with no accidents pay less when compared to drivers who are more careless.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will reduce the amount you have to pay.

Situations that might require an agent

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions could help you determine whether you might need professional guidance.

Do I need roadside assistance coverage?
Can I drive in Mexico and have coverage?
Why am I be forced to buy a membership to get insurance from some companies?
Should I buy additional glass protection?
I have good health insurance, so how much medical payments coverage do I need?
Am I covered when driving a rental car?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

What happened to insurance agents?

Certain consumers would prefer to visit with an insurance agent and that is a personal choice. Educated insurance agents can point out coverage gaps and help file insurance claims. The biggest benefit of getting online price quotes is you can get better rates but still work with a licensed agent. Supporting local businesses is important particularly in smaller rural communities.

To help locate an agent, after submitting this simple form, your information is instantly submitted to participating agents who will give you bids for your insurance coverage. You won’t need to leave your computer since price quotes are sent to the email address you provide. How cool is that?! Auto insurance in

Insurance agent types

If you’re trying to find a good insurance agency, you need to know there are two types of agencies to choose from. Agencies are categorized either independent or captive. Both types can do a good job, but it’s important to know how they differ because it can influence the selection process.

Independent Agencies or Brokers

Independent insurance agents are not locked into one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally without you having to go to a different agency. When comparing rates, it’s a good idea to include price quotes from at a minimum one independent agency to get the best comparison. Many write coverage with smaller regional carriers which may provide better rates.

Captive Insurance Agents

Captive insurance agents write business for a single company and examples are Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so they have to upsell other benefits. Captive agencies receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers often buy insurance from these agents mainly due to loyalty to the company and strong financial ratings.

For a complete listing of insurance agencies, visit this site.

Deciding on an insurance agency should depend on more than just a cheap price. Here are some questions to ask:

How much will you save each year by using a higher deductible?
Do they receive special compensation for putting your coverage with one company over another?
Do you have coverage for a rental car if your vehicle is in the repair shop?
Does the agency support the community they serve?
Which members of your family are coverage by the policy?
What insurance companies do they work with?
How are claims handled?

Upon receiving answers to your satisfaction to any questions you have and locked in a price quote, you may have just found an auto insurance agent that can insure your vehicles.

Are auto insurance companies telling the truth?

Consumers can’t ignore all the ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies make the same claim that you can save if you switch your policy.

How can each company make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the right customer they prefer to insure. An example of a profitable customer could be over the age of 50, has no driving citations, and has a high credit rating. A propective insured who matches those parameters gets the lowest rates and therefore will save quite a bit of money when switching.

Consumers who don’t qualify for these standards will be quoted a higher premium and ends up with business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much money. That is how companies can truthfully make those claims.

This emphasizes why drivers must get quotes from several different companies. Because you never know which auto insurance company will fit your personal profile best.

One last thing about your coverage

When you buy insurance online, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced physical damage coverage and learned later that it was a big error on their part. Your goal should be to buy the best coverage you can find at a price you can afford.

We just presented many ideas to lower your Honda Odyssey insurance rates. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies.

Cheaper Honda Odyssey insurance is available on the web and with local insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and these smaller companies work with independent agents.