Compare Honda Odyssey Insurance Rate Quotes in San Jose

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Insurance rates Honda Odyssey in San JoseFinding low-cost insurance for your Honda Odyssey in California could be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to find auto insurance online and we'll show you the quickest way to compare rates for a new or used Honda and find the cheapest rates.

You should make it a habit to do price comparisons once or twice a year because auto insurance prices trend upward over time. Even if you got the best rates on Honda Odyssey insurance in San Jose a year ago other companies may now be cheaper. Block out anything you think you know about auto insurance because we're going to demonstrate the tricks you need to know to find the best coverage while lowering your premiums.

Comparison shopping for affordable coverage in San Jose is not that difficult. If you have insurance now or are looking for a new policy, use these tips to find better prices without sacrificing coverage. You just need to understand the quickest way to compare price quotes online.

The best way we recommend to get rate comparisons for Honda Odyssey insurance in San Jose is to understand most larger insurance companies actually pay money for the chance to give rate comparisons. The only thing you need to do is give them rating details like which vehicles you own, driver ages, your general credit rating, and your job. Your insurance information is instantly submitted to many of the top insurers and they return cost estimate quickly.

To start a quote now, click here and complete the quick form.

The companies shown below are ready to provide price quotes in California. If multiple companies are shown, we suggest you get rate quotes from several of them to get the best price comparison.

Analysis of coverages

The table below covers different coverage prices for Honda Odyssey models. Being able to understand how insurance rates are determined can benefit drivers when making informed decisions when shopping around for a new policy.

Honda Odyssey Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $286 $534 $574 $34 $172 $1,600 $133
Odyssey EX $286 $650 $574 $34 $172 $1,716 $143
Odyssey EX W/Rear Entertainment $286 $650 $574 $34 $172 $1,716 $143
Odyssey EX-L $328 $766 $574 $34 $172 $1,874 $156
Odyssey EX-L W/Rear Entertainment $328 $766 $574 $34 $172 $1,874 $156
Odyssey EX-L W/Navigation $328 $766 $574 $34 $172 $1,874 $156
Odyssey Touring $370 $766 $574 $34 $172 $1,916 $160
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in specific zip code location which can modify coverage rates noticeably.

Physical damage deductibles

One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The following insurance rates lay out the price difference between low and high physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Honda Odyssey insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $332 $564 $442 $26 $132 $1,521 $127
Odyssey EX $332 $686 $442 $26 $132 $1,643 $137
Odyssey EX W/Rear Entertainment $332 $686 $442 $26 $132 $1,643 $137
Odyssey EX-L $380 $810 $442 $26 $132 $1,815 $151
Odyssey EX-L W/Rear Entertainment $380 $810 $442 $26 $132 $1,815 $151
Odyssey EX-L W/Navigation $380 $810 $442 $26 $132 $1,815 $151
Odyssey Touring $430 $810 $442 $26 $132 $1,865 $155
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Honda Odyssey insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $184 $298 $442 $26 $132 $1,082 $90
Odyssey EX $184 $362 $442 $26 $132 $1,146 $96
Odyssey EX W/Rear Entertainment $184 $362 $442 $26 $132 $1,146 $96
Odyssey EX-L $210 $426 $442 $26 $132 $1,236 $103
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
Odyssey Touring $238 $426 $442 $26 $132 $1,264 $105
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rates do not factor in vehicle location which can impact price quotes noticeably.

Using the data above, we can ascertain that using a $100 deductible costs roughly $45 more each month or $540 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 20 months between claims, you would probably come out ahead by selecting a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $144
Average monthly premium for $1,000 deductibles (subtract): - $99
Monthly savings from raising deductible: $45
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $45
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important issue to know is that higher deductibles results in a higher out-of-pocket expense when you do file a claim. You should have enough money in the bank in the event you need to pay the deductible to have repairs made.

The illustration below illustrates how choosing a deductible and can raise or lower Honda Odyssey insurance premiums for different age groups. The data is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Violations and accidents raise rates

The illustration below demonstrates how citations and accidents can drive up Honda Odyssey insurance prices for each different age category. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Difference between liability only and full coverage rates

The diagram below compares Honda Odyssey insurance premiums with full physical damage coverage compared to only buying liability only. The costs are based on a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are factored in.

Guidelines for dropping full coverage

There is no exact rule to eliminate physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's assume your Honda Odyssey claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying your policy deductible. If you are paying over $600 a year for full coverage, then you might want to think about dropping full coverage.

There are a few cases where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

Insurance is an important decision

Despite the high insurance cost for a Honda Odyssey in San Jose, maintaining insurance is required for several reasons.

  • The majority of states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your vehicle has a loan, it's guaranteed your bank will require you to have physical damage coverage to guarantee their interest in the vehicle. If you let the policy lapse, the lender may insure your Honda at a much higher premium rate and make you pay a much higher amount than you were paying before.
  • Insurance protects both your car and your assets. Insurance will pay for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of having insurance outweigh the cost, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying more than $800 each year so it's important to compare rates every year to be sure current rates are still competitive.

Auto insurance discounts are available to get cheap rates

Properly insuring your vehicles can get expensive, but there may be some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be manually applied in order for you to get them.Auto insurance discounts

  • Theft Deterrent Discount - Cars and trucks with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Discounts for Cautious Drivers - Drivers who avoid accidents can save as much as half off their rates than drivers with accidents.
  • Accident Waiver - Not a discount per se, but companies like Allstate and State Farm will turn a blind eye to one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.
  • Low Mileage Discounts - Fewer annual miles on your Honda can earn slightly better premium rates than normal.
  • Senior Citizen Discount - Drivers over the age of 55 could receive a discount up to 10%.

You can save money using discounts, but some credits don't apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, you won't be that lucky.

The diagram below compares Honda Odyssey auto insurance costs with and without policy discounts. The premium estimates are based on a male driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, homeowner, marriage, and multi-car discounts applied.

Large auto insurance companies and a summarized list of policyholder discounts are included below.

  • GEICO policyholders can earn discounts including air bags, five-year accident-free, seat belt use, anti-lock brakes, multi-policy, emergency military deployment, and defensive driver.
  • USAA includes discounts for multi-policy, military installation, family discount, driver training, and new vehicle.
  • Progressive offers discounts including good student, online signing, homeowner, continuous coverage, multi-policy, and online quote discount.
  • American Family offers discounts for bundled insurance, early bird, good student, good driver, mySafetyValet, and TimeAway discount.
  • Esurance discounts include DriveSense, good driver, multi-policy, emergency road assistance, multi-car, and Switch & Save.
  • Farmers Insurance offers premium reductions for business and professional, pay in full, early shopping, switch companies, and bundle discounts.
  • State Farm has savings for safe vehicle, anti-theft, multiple autos, multiple policy, good student, and defensive driving training.

Check with every prospective company the best way to save money. All car insurance discounts may not apply to policyholders in your state. If you would like to choose from a list of insurance companies with the best Honda Odyssey insurance discounts in San Jose, follow this link.

Buying auto insurance from San Jose insurance agencies

Some people still prefer to sit down and talk to an agent and that is not a bad decision Most agents can help you choose the best coverages and help you file claims. The biggest benefit of comparing rates online is that drivers can save money and get lower rates and still have a local agent. Supporting local agencies is especially important in San Jose.

To help locate an agent, after submitting this short form, your coverage information is transmitted to agents in your area who will return price quotes for your insurance coverage. It makes it easy because there is no need to do any legwork due to the fact that quote results will go to you directly. If you want to get a comparison quote from one company in particular, you just need to go to their quote page to submit a rate quote request.

If you would like to find a local San Jose insurance agency, there are two different agency structures and how they function. Auto insurance agents may be either exclusive or independent agents depending on their company appointments. Either type can write policy coverage, but we need to point out how they differ since it can affect which agent you choose.

Independent Agencies or Brokers

Agents that choose to be independent are not required to write business for one company and that is an advantage because they can write policies through lots of different companies depending on which coverage is best. If they quote lower rates, they simply switch companies in-house and you don't have to do anything.

If you are trying to find cheaper rates, we recommend you get quotes from several independent insurance agents for maximum quote selection. Most have the option of insuring with small regional insurance companies which could offer lower prices.

Featured below are San Jose independent agents who may be able to give you rate quotes.

More insurance agents

Exclusive Insurance Agencies

Agents of this type can only write with one company and examples are State Farm, Allstate, or Farmers Insurance. They usually cannot provide rate quotes from other companies so they really need to provide good service. They are highly trained on their products and sales techniques and that enables them to sell even at higher rates. Drivers often use the same agent partially due to the brand rather than low price.

The following are exclusive insurance agents in San Jose that are able to give comparison quotes.

More insurance agents

Deciding on an insurance agent should depend on more than just the price. These are some questions your agent should answer.

  • Do you work with a CSR or direct with the agent?
  • Will they take your side in the event of a claim?
  • Are they involved in claim handling?
  • Do they offer accident forgiveness?
  • What companies can they write with?
  • Will you get a loaner vehicle if you car is being repaired?
  • Does the agent have professional designations like CIC, CPCU or AIC?

After receiving answers to your satisfaction to any questions you may have and a low price estimate, it's a good possibility that you have found an insurance agent that is professional and can provide auto insurance coverage. Just understand that once you purchase a policy you can terminate coverage whenever you want so never feel you are locked into any specific agency for the entire policy term.

Car insurance coverages for a Honda Odyssey

Understanding the coverages of your car insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 15/30/5 that translate to $15,000 in coverage for each person's injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like medical services, funeral expenses, pain and suffering and emergency aid. How much liability should you purchase? That is your choice, but you should buy as much as you can afford. California state minimum liability requirements are 15/30/5 but you should think about purchasing more coverage.

The chart below shows why buying low liability limits may not be enough.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills such as surgery, nursing services, rehabilitation expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, hail damage, falling objects and fire damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Covered claims include injuries to you and your family and damage to your Honda Odyssey.

Since a lot of drivers have only the minimum liability required by law (California limits are 15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy's liability coverage.

Collision protection

Collision coverage covers damage to your Odyssey resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, backing into a parked car, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible on your Odyssey to bring the cost down.

Persistence is the key to cheap rates

Throughout this article, we presented quite a bit of information on how to reduce Honda Odyssey insurance car insurance rates online in San Jose. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding affordable Honda Odyssey insurance quotes. Consumers may even find the best price on auto insurance is with a small mutual company.

As you quote San Jose car insurance, it's a bad idea to buy less coverage just to save a little money. There are many occasions where someone dropped liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

People switch companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, denial of a claim and unfair underwriting practices. Whatever your reason, switching companies is not as hard as you think.

Steps to saving money on Honda Odyssey insurance in San Jose

Truthfully, the best way to get the cheapest Honda Odyssey insurance in San Jose is to start doing a yearly price comparison from insurers in California. You can shop around by following these steps.

First, try to learn a little about how companies price auto insurance and the modifications you can make to lower rates. Many factors that increase rates such as careless driving and a not-so-good credit score can be improved by being financially responsible and driving safely.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO and Allstate, while agents who are independent can provide prices from multiple companies.

Third, compare the new quotes to your existing coverage and see if you can save money. If you find a lower rate and decide to switch, make sure there is no lapse in coverage.

The critical component of shopping around is that you'll want to compare the same coverage limits and deductibles on each price quote and and to get quotes from as many companies as possible. Doing this ensures the most accurate price comparison and a good representation of prices.

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