Searching for low-cost Honda Odyssey insurance in San Diego? Tired of wondering where the money will come from to pay auto insurance each month? Your situation is no different than many other people in California.
A recent auto insurance study discovered that the vast majority of drivers have been with the same company for well over three years, and approximately 38% of consumers have never compared auto insurance rates at all. Many drivers in California can save hundreds of dollars each year just by shopping around, but they don’t understand how simple it is to compare rates. Many car insurance companies vie to insure your vehicles, and it can be difficult to compare rates to find the best rate on Honda Odyssey insurance in San Diego.
You need to do rate comparisons occasionally since prices tend to go up over time. Even if you got the lowest price on Honda Odyssey insurance in San Diego two years ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the proper way to buy cheaper Honda Odyssey insurance in San Diego.
If you already have coverage or just want to reduce your rates, use these techniques to find the best rates without sacrificing coverage. Choosing the most cost-effective car insurance policy in San Diego is really quite simple as long as you have a good starting point. Comparison shoppers just need to know the least time-consuming way to get comparison rates over the internet.
Where can I get low cost San Diego Honda Odyssey insurance?
Finding a lower price on Honda Odyssey insurance is a fairly straight forward process. All you need to do is invest a few minutes comparing price quotes to find out which insurance company has cheaper San Diego car insurance quotes.
Comparison shopping price quotes online is easy and it makes it obsolete to drive to and from local San Diego insurance agencies. Comparing online rate quotes makes this process obsolete unless you prefer the professional guidance of a local agency. Although you can get prices online but still have the advice of a local agent.
The companies in the list below provide free rate quotes in San Diego, CA. If the list has multiple companies, we suggest you visit several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Odyssey EX W/Rear Entertainment||$168||$332||$456||$26||$136||$1,118||$93|
|Odyssey EX-L W/Rear Entertainment||$210||$426||$442||$26||$132||$1,236||$103|
|Odyssey EX-L W/Navigation||$210||$426||$442||$26||$132||$1,236||$103|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can alter auto insurance rates substantially.
Should you buy full coverage?
The diagram below illustrates the difference between Honda Odyssey auto insurance costs with and without full coverage. The rate quotes are based on no violations or claims, $250 deductibles, single female driver, and no additional discounts are factored in.
Should you be buying full coverage?
There is no definitive rule of when to eliminate physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Honda Odyssey settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after paying the physical damage deductible. If you are paying over $700 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
Physical damage deductibles: Should you raise them?
The chart below demonstrates how deductible levels and can affect Honda Odyssey premium costs for different categories of driver ages. The information is based on a single female driver, comp and collision included, and no discounts are applied.
Age-based auto insurance rates by gender in San Diego
The chart below compares Honda Odyssey insurance rates for male and female drivers. Data assumes no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Get discounts on San Diego car insurance
Companies offering auto insurance don’t necessarily list their entire list of discounts very well, so below is a list a few of the more well known and also the lesser-known discounts you could be receiving when you buy San Diego car insurance online.
- Early Switch Discount – Some insurance companies reward drivers for switching companies before your current Odyssey insurance policy expires. You can save around 10% with this discount.
- Service Members Pay Less – Having a deployed family member could trigger a small discount.
- Professional Organizations – Being a member of qualifying employment or professional organizations can get you a small discount on car insurance.
- Telematics Devices – San Diego drivers who agree to allow their car insurance company to study driving patterns by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
- Safety Course Discount – Taking part in a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
- Driver’s Education for Students – Teen drivers should take driver’s ed class in high school.
- Safety Restraint Discount – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
- Discount for Good Grades – This discount could provide a savings of up to 20% or more. This discount can apply until age 25.
A little disclaimer on discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, you aren’t that lucky.
A few popular companies and a summarized list of policyholder discounts include:
- State Farm offers premium reductions for student away at school, Drive Safe & Save, multiple policy, good driver, and multiple autos.
- American Family has savings for early bird, accident-free, TimeAway discount, Steer into Savings, and good driver.
- GEICO has discounts for good student, military active duty, defensive driver, multi-vehicle, and anti-lock brakes.
- 21st Century may include discounts for defensive driver, good student, automatic seat belts, homeowners, and teen driver.
- Progressive offers discounts for online signing, online quote discount, continuous coverage, homeowner, multi-policy, and good student.
When quoting, ask every prospective company what discounts are available to you. All car insurance discounts may not apply to policyholders in San Diego. To locate companies who offer cheap Honda Odyssey insurance quotes in San Diego, click this link.
Smart Choices Result in Lower Insurance Rates
An important part of buying insurance is that you know some of the elements that aid in calculating your premiums. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that could result in lower insurance prices. Many factors are considered when you quote your car insurance policy. Some factors are common sense like an MVR report, although others are more transparent such as your credit history or how safe your car is.
The list below includes some of the things used by your company to calculate prices.
What type of car, truck or SUV do you drive? – The performance of the car, truck or SUV you own makes a significant difference in determining your rates. The cheapest insurance rates are for smaller low performance passenger cars, but other factors influence the final cost greatly. Since the Honda Odyssey is classified as a van and minivan, insuring your vehicle will cost similar in price compared to average rates in San Diego.
Prevent theft and save – Buying a car with a theft deterrent system can help bring down rates. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms can help prevent vehicle theft.
Urban residents pay more – Living in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Fewer drivers and short commutes means reduced accidents in addition to lower liability claims Drivers who live in large California cities regularly have more traffic problems and higher rates of accident claims. More time behind the wheel translates into higher accident risk.
What are your coverage deductibles? – Insurance for physical damage, termed comprehensive and collision coverage on your policy, protects your Honda from damage. Some examples of covered claims would be running into the backend of another car, flood damage, or theft. Comprehensive and collision coverage deductibles tell how much you are willing to pay if the claim is covered. The more expense you pay before a claim is paid (deductible), the better rate you will receive.
Prices may be lower depending on your occupation – Do you work in a high-stress field? Occupations such as judges, architects and emergency personnel are shown to have higher rates than the rest of us due to job stress and extremely grueling work hours. Conversely, careers such as professors, students and homemakers get better rates.
Your spouse saves you money – Walking down the aisle may earn you lower rates on your insurance bill. Marriage means you’re more responsible and it’s statistically proven that married drivers tend to file fewer claims.
Keep insurance claims to a minimum – If you’re an insured who likes to file claims you can look forward to increased rates or even have your policy non-renewed. Insurance companies in California generally give discounts to policyholders who file claims infrequently. Auto insurance is meant to be used in the event of more catastrophic claims.
Don’t cancel your insurance without a new one in place – Allowing your coverage to lapse can be a quick way to increase your insurance rates. Not only will you pay higher rates, the inability to provide proof of insurance may result in a hefty fine and possibly a revoked license. You may need to file a SR-22 with the California department of motor vehicles.
Honda Odyssey insurance claim data – Insurers use claims history to determine a price that will be profitable for them. Models that are shown to have higher claim frequency or loss amount will cost more for coverage. The next table illustrates the historical loss data for Honda Odyssey vehicles.
For each policy coverage, the claim amount for all vehicles averaged together equals 100. Values below 100 suggest losses that are better than average, while values that are 100 or greater indicate a higher chance of having a claim or a tendency for claims to be larger.
Insurance Loss Ratings for Honda Odyssey Vehicles
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance agents are trained to help
Many drivers would prefer to talk to an insurance agent. Good agents will help you protect your assets and help you file claims. An additional benefit of comparing insurance prices online is that you can find cheaper premium rates and also buy local.
Upon completion of this simple form, your insurance data is sent to local insurance agents in San Diego that provide free San Diego car insurance quotes to get your business. There is no need to do any legwork because quoted prices will be sent directly to your email. If you want to quote rates from a specific insurance company, you would need to find their quoting web page and submit a quote form there.
Finding the right insurance company needs to be determined by more than just the bottom line cost. Some important questions to ask are:
- Which companies can they place coverage with?
- Will you get a loaner vehicle if you car is being repaired?
- Can they help ensure a fair claim settlement?
- Is assistance available after office hours?
- When do they do a full risk review?
- Are they able to provide referrals?
- Who is covered by the car insurance policy?
Shown below is a list of auto insurance companies in San Diego willing to provide price quotes for Honda Odyssey insurance in San Diego.
Allstate Insurance: Jing Zeng Financial and Insurance Service
7323 Convoy Ct # B111 – San Diego, CA 92111 – (858) 268-7010 – View Map
After receiving good responses to your questions and an affordable coverage quote, it’s possible that you found an insurance company that is reliable enough to service your policy. Just remember consumers can cancel your policy at any point so never assume that you’re stuck with a specific company for a certain time period.
Don’t listen to company ads
California drivers can’t avoid all the ads for insurance savings from the likes of State Farm, Allstate and GEICO. All the ads seem to make the promise that you’ll save big after switching to their company.
It sounds good, but how can they all charge you less for car insurance?
All the different companies give the cheapest rates for the type of insured that will not have excessive claims. A good example of a profitable insured might be described as between 25 and 40, has no claims, and drives less than 7,500 miles a year. Any person who fits that profile will qualify for the lowest premium rates in San Diego and will also save money with a new company.
Drivers who do not match this ideal profile will be quoted a higher premium which results in the customer not buying. The trick is to say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can confidently make claims that they all have the best car insurance rates. Different companies use different criteria so it’s extremely important to compare quotes as often as possible. It’s just not possible to know which insurance company will provide you with the cheapest Honda Odyssey insurance in San Diego.
Cheap auto insurance rates are possible
Budget-conscious Honda Odyssey insurance can be bought both online and with local San Diego insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies don’t offer internet price quotes and most of the time these smaller companies only sell coverage through independent agents.
As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.
We just showed you some good ideas how to save on Honda Odyssey insurance in San Diego. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost San Diego car insurance quotes. Drivers may even discover the biggest savings come from the smaller companies. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or GEICO.
Even more information is available in these articles:
- Child Safety Seats (Insurance Information Institute)
- How Much are Car Insurance Quotes for a Company Car in San Diego? (FAQ)
- What Insurance is Cheapest for Young Drivers in San Diego? (FAQ)
- Who Has the Cheapest San Diego Auto Insurance Rates for Hybrid Vehicles? (FAQ)
- How Much are Car Insurance Quotes for a Chevrolet Malibu in San Diego? (FAQ)
- Who Has Cheap Car Insurance Rates for a Subaru Outback in San Diego? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Collision Insurance Coverage (Nationwide)
- Can I Drive Legally without Insurance? (Insurance Information Institute)