Compare Honda Odyssey Insurance Quotes in Mesa

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Discount Honda Odyssey insuranceIt's safe to conclude that insurance companies don't want you shop around. Consumers who shop around for the cheapest rate will most likely move their business because there is a good probability of finding a cheaper policy. A recent car insurance study discovered that drivers who routinely compared rates saved an average of $3,400 over four years compared to drivers who never shopped around for lower prices.

If finding the cheapest price on Honda Odyssey insurance in Mesa is the reason for your visit, then understanding how to shop for insurance can help you succeed in saving money.

The best way we recommend to save on Honda Odyssey insurance in Mesa is to compare quotes once a year from companies that insure vehicles in Arizona.

  • Step 1: Try to comprehend how your policy works and the things you can change to keep rates low. Many risk factors that result in higher prices such as high-risk driving behaviors and a not-so-good credit rating can be eliminated by making minor changes to your lifestyle. Keep reading for additional ideas to get lower rates and get additional discounts.
  • Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agents can provide price quotes from multiple companies. View prices
  • Step 3: Compare the new rate quotes to the price on your current policy and see if you can save money. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.

An important note is to try to compare the same physical damage deductibles and liability limits on every quote request and to quote with as many companies as you can. This ensures a fair rate comparison and the best price selection.

If you have insurance now or want to find a cheaper company, use these money-saving tips to save money while maintaining coverages. Locating the best insurance company for you in Mesa is much easier if you have a good place to start. Consumers just have to learn the most time-saving way to get comparison quotes over the internet.

Low cost Honda Odyssey insurance prices in Mesa, AZ

Reducing your Honda Odyssey insurance rates is pretty simple and can save money. Consumers just need to take a couple of minutes to compare rate quotes from some recommended companies.

It's so fast and easy to compare rates online that it makes it a waste of time to drive to different Mesa agent offices. Comparing online rate quotes makes this unnecessary unless you prefer the personal advice that only a licensed agent can provide. Although you can price shop online but purchase the actual policy in an agency.

The companies shown below are ready to provide free rate quotes in Mesa, AZ. If you want to find cheap auto insurance in Arizona, it's highly recommended you visit as many as you can to get the cheapest price.

Honda Odyssey insurance rates and statistics

The coverage table shown next highlights a range of insurance rates for Honda Odyssey models. Learning a little about how rate quotes are formulated is important for drivers to make smart choices when purchasing an insurance policy.

Honda Odyssey Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $184 $296 $308 $18 $92 $898 $75
Odyssey EX $184 $360 $308 $18 $92 $962 $80
Odyssey EX W/Rear Entertainment $184 $360 $308 $18 $92 $962 $80
Odyssey EX-L $210 $424 $308 $18 $92 $1,052 $88
Odyssey EX-L W/Rear Entertainment $210 $424 $308 $18 $92 $1,052 $88
Odyssey EX-L W/Navigation $210 $424 $308 $18 $92 $1,052 $88
Odyssey Touring $238 $424 $308 $18 $92 $1,080 $90
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific location information which can revise premium rates noticeably.

Policy deductible comparison

One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The comparison tables below may help to conceptualize the rate difference between high and low insurance deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Honda Odyssey insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $224 $382 $300 $18 $90 $1,039 $87
Odyssey EX $224 $466 $300 $18 $90 $1,123 $94
Odyssey EX W/Rear Entertainment $224 $466 $300 $18 $90 $1,123 $94
Odyssey EX-L $258 $548 $300 $18 $90 $1,239 $103
Odyssey EX-L W/Rear Entertainment $258 $548 $300 $18 $90 $1,239 $103
Odyssey EX-L W/Navigation $258 $548 $300 $18 $90 $1,239 $103
Odyssey Touring $292 $548 $300 $18 $90 $1,273 $106
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Honda Odyssey insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $164 $258 $300 $18 $90 $830 $69
Odyssey EX $164 $314 $300 $18 $90 $886 $74
Odyssey EX W/Rear Entertainment $164 $314 $300 $18 $90 $886 $74
Odyssey EX-L $188 $370 $300 $18 $90 $966 $81
Odyssey EX-L W/Rear Entertainment $188 $370 $300 $18 $90 $966 $81
Odyssey EX-L W/Navigation $188 $370 $300 $18 $90 $966 $81
Odyssey Touring $212 $370 $300 $18 $90 $990 $83
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Estimates do not factor in specific location which can modify premiums greatly.

Based on the data above, we can derive that using a $100 deductible costs roughly $21 more each month or $252 each year averaged for all Odyssey models than requesting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 19 months between claims, you would save more money if you decide on a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $99
Average monthly premium for $500 deductibles (subtract): - $78
Monthly savings from raising deductible: $21
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important caveat is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you do file a claim. That will necessitate some extra savings in the event you need to pay more to get your vehicle repaired.

Comparison of auto insurance rates by age and gender in Mesa

The diagram below shows the comparison of Honda Odyssey car insurance rates for male and female drivers. The price estimates are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are applied.

Why do I need car insurance?

Even though it can be expensive, insurance is most likely required but also gives you several important benefits.

  • The majority of states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your Honda Odyssey with a loan, almost every bank will force you to have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Honda at a much higher premium rate and force you to reimburse them a much higher amount than you were paying before.
  • Auto insurance preserves not only your car but also your assets. Insurance will pay for many types of medical costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having auto insurance more than offset the price you pay, especially if you ever need it. According to a 2015 survey, the average American driver overpays more than $855 a year so we recommend shopping around every year to save money.

Cheaper rates on Honda Odyssey insurance in Mesa with these ten discounts

Auto insurance is not inexpensive, but there may be some discounts that many consumers don't even know exist. Some discounts apply automatically when you get a quote, but some must be inquired about before you will receive the discount.Discount auto insurance

  • 55 and Retired - If you qualify as a senior citizen, you are able to get a small discount on rates.
  • Air Bags and Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Safety Course Discount - Passing a course teaching safe driver skills can save you 5% or more and easily recoup the cost of the course.
  • Discounts for Safe Drivers - Drivers without accidents can save as much as half off their rates than their less cautious counterparts.
  • Memberships - Having an affiliation with certain professional organizations may earn a discount on your bill.
  • Discount for Life Insurance - Some companies give a discounted price on car insurance if you buy a life policy as well.
  • Save with More Vehicles Insured - Drivers who insure multiple cars or trucks with the same auto insurance company can get a discount on all vehicles.
  • Accident Waiver - This isn't a discount exactly, but a few companies such as GEICO, State Farm, and Progressive will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free for a certain period of time.
  • Seat Belt Discounts - Requiring all passengers to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Savings for New Vehicles - Insuring a new Odyssey can be considerably cheaper since newer vehicles have better safety ratings.

Don't be shocked that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, it just doesn't work that way.

The chart below visualizes the comparison of Honda Odyssey annual premium costs with and without discounts being applied to the rates. The premiums assume a female driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, marriage, claim-free, and homeowner discounts applied.

Popular auto insurance companies and their possible discounts are detailed below.

  • State Farm may offer discounts for good student, student away at school, Steer Clear safe driver discount, safe vehicle, multiple autos, Drive Safe & Save, and accident-free.
  • Nationwide has savings for good student, anti-theft, accident-free, multi-policy, Farm Bureau membership, defensive driving, and easy pay.
  • GEICO policyholders can earn discounts including anti-lock brakes, good student, multi-vehicle, defensive driver, and anti-theft.
  • AAA may have discounts that include AAA membership discount, good student, multi-policy, pay-in-full, good driver, and education and occupation.
  • 21st Century has discounts for 55 and older, homeowners, student driver, good student, and driver training.
  • The Hartford discounts include bundle, air bag, anti-theft, driver training, vehicle fuel type, good student, and defensive driver.

When comparing rates, check with each company how many discounts you can get. All car insurance discounts may not be available in Mesa. To find insurers that offer discounts in Arizona, click here.

When do I need an agent's advice?

Keep in mind that when it comes to choosing coverage for your vehicles, there really isn't a perfect coverage plan. Every insured's situation is different.Higher deductibles save money

For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • How much coverage applies to personal belongings?
  • Who is covered by my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What are good deductibles for a Honda Odyssey?
  • Is my ex-spouse still covered by my policy?
  • What if I owe more than I can insure my car for?
  • What discounts do I qualify for?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Local neighborhood insurance agents

Some consumers prefer to talk to an insurance agent and that is OK! Good agents are trained to spot inefficiencies and will help you if you have claims. One of the great benefits of comparing rates online is you can get better rates and also buy local. Buying from local insurance agents is still important in Mesa.

Insurance agents in MesaBy using this quick form, the coverage information is instantly submitted to local insurance agents who can give free rate quotes for your business. It simplifies rate comparisons since you won't have to find an agent on your own because quoted prices will be sent to you instantly. If you need to get a comparison quote from a specific insurance company, you would need to find their quoting web page and give them your coverage information.

When researching a reliable insurance agent, it's important to understand the different types of agents from which to choose. Agencies in Mesa are classified as either independent (non-exclusive) or exclusive. Either type can insure your vehicles, but it's worth learning the difference in the companies they write for since it could factor into the type of agent you choose.

Independent Insurance Agencies

These type of agents are not employed by one company and that is an advantage because they can write policies with lots of companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can just switch to a different company which requires no work on your part. If you are trying to find cheaper rates, you will definitely want to include price quotes from a few independent agents to ensure the widest selection of prices.

Shown below is a list of independent agencies in Mesa that may be able to provide price quotes.

Jeff Klusmann Insurance Agency
1955 N Val Vista Dr - Mesa, AZ 85213 - (480) 830-0080 - View Map

6550 E Main St - Mesa, AZ 85205 - (480) 832-8370 - View Map

3950 E Broadway Rd # 102 - Mesa, AZ 85206 - (480) 964-2400 - View Map

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Exclusive Insurance Agencies

These type of agents have only one company to place business with such as State Farm or Allstate. They usually cannot place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agencies are well trained on sales techniques which helps them sell on service rather than price.

The following is a short list of exclusive insurance agents in Mesa that can give you price quote information.

848 S Alma School Rd #9 - Mesa, AZ 85210 - (480) 777-7820 - View Map

3660 E University Dr Ste 3 - Mesa, AZ 85205 - (480) 634-7039 - View Map

5052 S Power Rd #104 - Mesa, AZ 85212 - (480) 454-7518 - View Map

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Finding the right insurance agent requires more thought than just a cheap price. Any good agent in Mesa should know the answers to these questions.

  • Will high miles depreciate repair valuations?
  • Will a damage claim use OEM or aftermarket replacement parts?
  • Do they specialize in personal lines coverage in Mesa?
  • Does the agency provide any after hours assistance?
  • Does their agency support local causes in Mesa?
  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
  • How is replacement cost determined on your vehicle?
  • Will the agent or a CSR service your policy?

Upon getting acceptable answers to any questions you have and locked in a price quote, you may have just found an insurance agent that is professional and can properly service your insurance policy.

Auto insurance policy coverages for a Honda Odyssey

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance - Coverage for medical payments and/or PIP provide coverage for expenses for things like EMT expenses, chiropractic care, prosthetic devices, hospital visits and pain medications. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Honda Odyssey.

Because many people carry very low liability coverage limits (which is 15/30/10), their limits can quickly be used up. So UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision) - This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, a tree branch falling on your vehicle, falling objects, theft and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Liability insurance - This will cover damage that occurs to other's property or people by causing an accident. This coverage protects you against other people's claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 15/30/10 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like repair costs for stationary objects, pain and suffering and emergency aid. The amount of liability coverage you purchase is up to you, but it's cheap coverage so purchase as much as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should consider buying better liability coverage.

The next chart demonstrates why low liability limits may not be high enough to adequately cover claims.

Collision coverage - Collision coverage pays for damage to your Odyssey resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible on your Odyssey in order to get cheaper collision rates.

Find cheaper rates by being thorough

You just learned many tips how you can find cheaper Honda Odyssey insurance in Mesa. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding the cheapest Honda Odyssey rate quotes. Drivers may even discover the best rates are with a lesser-known regional company.

People switch companies for many reasons like questionable increases in premium, policy non-renewal, extreme rates for teen drivers or even unfair underwriting practices. No matter why you want to switch, finding the right insurance provider can be easy and end up saving you some money.

Budget-friendly insurance in Mesa is definitely available online and with local Mesa insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don't offer online rate quotes and these regional insurance providers work with independent agents.

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