How to Compare Seattle Honda Odyssey Insurance

Trying to find the cheapest Honda Odyssey insurance in Seattle? Are you a victim of overpriced Honda Odyssey insurance in Seattle? It’s quite common and many Seattle consumers feel financially strained by their insurance policy.

Insurance rates Honda Odyssey in SeattleA recent insurance study discovered that nearly 70% of consumers renewed their policy with the same company for more than four years, and just under half have never compared rates to find cheap insurance. American drivers could cut their rates by 47% a year, but they don’t want to spend time to shop around.

Insurance companies such as GEICO, 21st Century and Progressive continually hit you with TV and radio ads and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

If you already have coverage, you will be able to save money using the techniques presented in this article. Locating the best rates in Seattle seems hard but is not really that difficult. Although Washington drivers must comprehend the methods companies use to price online insurance and use it to your advantage.

Get cheaper rates by receiving discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but a few need to be specifically requested in order for you to get them.

Just know that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it’s just not the way it works. But any discount will positively reduce your overall bill.

A few of the larger companies and their possible discounts are detailed below.

When quoting, ask all companies you are considering how many discounts you can get. Some discounts may not apply to policyholders in Seattle. If you would like to choose from a list of car insurance companies with discount car insurance rates in Seattle, click this link.

The most recommended method to compare car insurance rates for Honda Odyssey insurance in Seattle is to realize most larger insurance companies pay for the opportunity to quote your coverage. The only thing you need to do is provide information such as if you went to college, whether you drive to work or school, an estimate of your credit level, and driver ages. Your information is then submitted to insurance companies and they provide comparison quotes very quickly.

To compare cheap Honda Odyssey insurance rates now, click here and find out if you can get cheaper insurance in Seattle.

The companies shown below can provide quotes in Seattle, WA. If multiple providers are shown, it’s a good idea that you get rate quotes from several of them to find the lowest auto insurance rates.

Honda Odyssey Insurance Rate Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $156 $250 $300 $18 $90 $814 $68
Odyssey EX $198 $384 $294 $18 $88 $982 $82
Odyssey EX W/Rear Entertainment $140 $242 $386 $22 $116 $906 $76
Odyssey EX-L $136 $278 $300 $18 $90 $822 $69
Odyssey EX-L W/Rear Entertainment $290 $540 $386 $22 $116 $1,354 $113
Odyssey EX-L W/Navigation $160 $358 $310 $18 $92 $938 $78
Odyssey Touring $152 $322 $384 $22 $114 $994 $83
Get Your Own Custom Quote Go

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can alter coverage prices significantly.

Price comparison of only insuring for liability

The illustration below shows the difference between Honda Odyssey auto insurance costs with and without full coverage. The premium estimates are based on no claims or driving citations, $250 deductibles, single male driver, and no discounts are applied to the premium.

When to switch to liability coverage only

There is no definitive guideline that is best for determining when to drop physical damage insurance, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s say your Honda Odyssey claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after the deductible is paid. If it’s costing you more than $700 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some circumstances where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Honda Odyssey Insurance Costs Can Be Lower

Many things are used when premium rates are determined. Some are pretty understandable such as your driving record, but other criteria are not as apparent like your continuous coverage or how safe your car is. The best way to find cheaper auto insurance is to take a look at the rating factors that come into play when calculating the rates you pay for auto insurance. When you understand what influences your rates, this enables informed choices that may result in better auto insurance rates.

The factors shown below are just a few of the factors used by your company to calculate rates.

Shop online but buy locally

Some people prefer to sit down and talk to an agent and doing so can bring peace of mind The biggest benefit of comparing rates online is you may find cheap rate quotes and still have a local agent.

Insurance agency in SeattleTo make it easy to find an agent, after completing this simple form, your information gets sent to companies in Seattle that provide free Seattle auto insurance quotes for your insurance coverage. There is no need to drive around since rate quotes are delivered instantly to you. It’s the lowest rates and a licensed agent to work with. If for some reason you want to compare rates from a specific insurance company, feel free to search and find their rate quote page and submit a quote form there.

Deciding on an provider should depend on more than just the bottom line cost. These are some questions you should get answers to.

Two different types of auto insurance agents

When finding a local Seattle insurance agency, it’s helpful to know the types of agencies and how they are slightly different. Agents in Seattle are considered either independent or exclusive.

Exclusive Agencies

Agents in the exclusive channel can only quote rates from one company and some examples include State Farm or Allstate. They usually cannot place coverage with different providers so keep that in mind. They are very knowledgeable in insurance sales which helps them compete with independent agents.

The following are exclusive agents in Seattle who can help you get rate quotes.

2600 SW Barton St, Ste E22Seattle, WA 98126(206) 935-3922View Map

1115 N Northgate WaySeattle, WA 98133(206) 364-2210View Map

3206 16th Ave WSeattle, WA 98119(206) 285-3003View Map

More insurance agents

Independent Agents

These type of agents are not limited to a single company so they can write business amongst many companies and possibly get better coverage at lower prices. If you want to switch companies, they simply move your policy to a different company and you don’t have to find a new agent. If you are comparing insurance prices, we recommend you get insurance quotes from independent agents to have the best price comparison.

Shown below are Seattle independent agencies that can give you price quote information.

3424 W McGraw StSeattle, WA 98199(206) 284-4886View Map

412 Queen Anne Ave NSeattle, WA 98109(206) 284-0470View Map

5191 S Spencer StSeattle, WA 98118(206) 965-8140View Map

More insurance agents

Why you need quality insurance for your Odyssey

Despite the fact that insurance is not cheap in Seattle, insuring your vehicle may not be optional for several reasons.

The benefits of having insurance are definitely more than the cost, particularly for liability claims. An average driver in America is overpaying over $810 a year so compare rates once a year at a minimum to help ensure money is not being wasted.

Persistence is the key to cheap rates

Lower-priced Honda Odyssey insurance in Seattle can be found on the web as well as from insurance agents, and you should be comparing both to have the best selection. A few companies may not have online quoting and these small, regional companies sell through independent insurance agents.

When searching for inexpensive Seattle auto insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

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