Nobody I know likes paying for auto insurance, especially knowing the cost is too high. With so many companies and agents to choose from, it can be challenging to locate the lowest cost insurance company.
It’s a good idea to shop coverage around occasionally because rates are constantly changing. Just because you found the lowest price for Odyssey coverage on your last policy you can probably find a better price now. Starting right now, forget all the misinformation about auto insurance because we’re going to show you the easiest way to reduce your cost while increasing coverage.
Choosing the best insurance company for you is quite easy. If you currently have car insurance, you should be able to save some money using these methods. Consumers only need to know the most effective way to shop their coverage around online.
Which Auto Insurance is Cheapest?
There are a variety of methods you can shop for auto insurance but there is one way that is more efficient than others. You could spend the better part of a day talking to agents in your area, or you can utilize online quotes to get pricing more quickly.
Most of the larger companies belong to an insurance system that enables customers to enter their coverage request one time, and each company can give them a price based on that data. This saves time by eliminating form submissions to each individual auto insurance company.
To fill out one form to compare multiple rates now click here to open in new window.
The one downside to using this type of form is you can’t choose the insurers you want to price. If you wish to select specific providers to receive pricing from, we have a page of the cheapest auto insurance companies in your area. Click here to view list.
Whichever method you choose, ensure you are comparing exactly the same coverage limits on every quote. If the quotes have unequal deductibles or liability limits it will be very difficult to find the best deal for your Honda Odyssey.
Are you getting all your discounts?
Companies don’t necessarily list every available discount in an easy-to-find place, so the following is a list of both the well known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit possible, you are paying more than you should be.
- No Accidents – Drivers with accident-free driving histories pay much less when compared with bad drivers.
- Driver Safety – Successfully completing a course in driver safety could save 5% or more if you qualify.
- Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
- Senior Citizens – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Odyssey coverage.
- Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
It’s important to understand that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.
Tailor your coverage to you
When buying adequate coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions could help you determine if you could use an agent’s help.
- Can I drive in Mexico and have coverage?
- Does my liability insurance cover pulling a trailer or camper?
- Is my nanny covered when driving my vehicle?
- Should I buy additional glass protection?
- Do I need medical payments coverage since I have good health insurance?
- Does my insurance cover my expensive audio equipment?
- Does my Honda Odyssey need full coverage?
- Am I covered when driving a rental car?
If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.
