View 2017 Honda Odyssey Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 17, 2024

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Have you had enough of robbing Peter to pay Paul to pay auto insurance each month? You are in the same boat as the majority of other vehicle owners. Big-name insurance companies like Progressive, State Farm and GEICO continually bombard you with fancy advertisements and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

If you are insured now or need a new policy, you can use this information to shop for the lowest rates while maximizing coverage. Buying car insurance is not that difficult. Vehicle owners only need an understanding of the proper methods to find the lowest price on the web.

How much does insurance coverage cost?

There are a variety of methods to compare insurance coverage prices but one way is easier and takes less work. You could waste a few hours talking about coverages with insurance companies in your area, or you could use online quoting to maximize your effort.

Many of the larger companies participate in a marketplace where insurance shoppers submit their information once, and every company returns a competitive quote for coverage. This eliminates the need for form submissions to every company.

To submit your quote information now, enter your zip code here.

The only drawback to using this type of system is you don’t know exactly the companies to get pricing from. So if you prefer to pick specific providers to compare prices, we have assembled a list of companies who write insurance coverage in your area. Click to enter zip code.

The method you choose is up to you, but be sure to compare exactly the same coverage limits for every quote you compare. If you enter different deductibles it will be impossible to determine the best price for your Honda Odyssey.

Auto insurance quotes and discounts

Insuring your fleet can be pricey, but there could be significant discounts that could drop your premiums quite a bit. Most are applied at the time you complete a quote, but some may not be applied and must be inquired about before being credited.

  • Life Insurance Discount – Insurance carriers who offer life insurance give lower rates if you buy some life insurance in addition to your auto policy.
  • Claim-Free Discount – Claim-free drivers get the best auto insurance rates in comparison to policyholders that have many claims.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save 10% or more off the PIP or medical payment premium.
  • Drive Safe and Save – Insureds without accidents can save up to 40% or more on their auto insurance quote on Odyssey coverage than their less cautious counterparts.
  • Membership in Organizations – Having an affiliation with certain professional organizations can get you a small discount when shopping for auto insurance.
  • Low Mileage – Driving fewer miles may enable drivers to earn substantially lower rates.
  • Early Switch Discount – Some larger companies reward drivers for signing up before your current policy expires. This can save 10% or more.

Keep in mind that many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Popular auto insurance companies and some of their more popular discounts are outlined below.

  • GEICO offers premium reductions for federal employee, air bags, multi-vehicle, emergency military deployment, seat belt use, and daytime running lights.
  • Auto-Owners Insurance may offer discounts for paid in full, mature driver, teen driver, student away at school, anti-lock brakes, and group or association.
  • American Family discounts include defensive driver, good driver, Steer into Savings, air bags, and good student.
  • Esurance may have discounts that include homeowner, online shopper, online quote, good student, safety device, anti-theft, and Switch & Save.
  • Progressive policyholders can earn discounts including online signing, continuous coverage, good student, homeowner, online quote discount, and multi-vehicle.
  • State Farm has discounts for Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, anti-theft, and multiple policy.
  • AAA has savings for anti-theft, education and occupation, AAA membership discount, good student, multi-policy, and good driver.

If you are trying to find the cheapest auto insurance quotes, ask each insurance company to apply every possible discount. All car insurance discounts may not apply in your area.

Situations that may require an agent’s advice

When choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Is my teen driver covered when they drive my company car?
  • Does my insurance cover a custom paint job?
  • Is my babysitter covered when using my vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I still get insurance after a DUI?
  • Does my car insurance cover rental cars?
  • Am I better off with higher deductibles on my 2017 Honda Odyssey?
  • Does coverage extend to Mexico or Canada?
  • Who is covered by my policy?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete your zip code. It only takes a few minutes and may give you better protection.

Coverage specifics

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hail damage and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Honda Odyssey.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability coverages

This coverage protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability insurance covers things such as attorney fees, pain and suffering and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like funeral costs, hospital visits, chiropractic care, prosthetic devices and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Affordable insurance is out there

Lower-priced auto insurance is definitely available from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection. A few companies don’t offer price quotes online and most of the time these smaller companies only sell coverage through local independent agencies.

As you quote auto insurance, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone dropped liability coverage limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

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