If saving money is your primary concern, then the best way to get discount auto insurance rates is to compare prices at least once a year from providers that insure vehicles in Chandler. Price quotes can be compared by completing these steps.
First, spend some time learning about how auto insurance works and the steps you can take to prevent expensive coverage. Many policy risk factors that increase rates such as at-fault accidents, speeding tickets, and an unacceptable credit rating can be remedied by improving your driving habits or financial responsibility. Read the full article for additional ideas to get cheaper coverage and find discounts that may have been missed.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO and Allstate, while independent agents can give you price quotes from multiple companies.
Third, compare the new rate quotes to the premium of your current policy and see if you can save money. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
Fourth, provide proper notification to your current company to cancel your current auto insurance policy. Submit a down payment and signed policy application to the new company. When you receive it, keep the new proof of insurance certificate in an easily accessible location in your vehicle.
One piece of advice is to try to use the same amount of coverage on each quote and and to get rate quotes from as many companies as possible. Doing this enables a fair price comparison and a complete rate analysis.
It’s hard to fathom, but the vast majority of drivers kept buying from the same company for over three years, and virtually 40% of consumers have never compared rates with other companies. American drivers could pocket about 46.5% a year by just comparing quotes, but they just don’t understand how easy it is to shop their coverage around.
When price shopping your coverage, comparing a wide range of rates helps locate more affordable insurance. Some regional insurers cannot provide online Chandler Odyssey insurance quotes, so you also need to get quotes from them as well.
The companies in the list below provide free quotes in Arizona. To buy cheap car insurance in AZ, we suggest you visit several of them in order to find the cheapest rates.
Determine discounts to get cheap Chandler car insurance quotes
Some insurance providers don’t necessarily list every possible discount very clearly, so the list below details some of the more common and the harder-to-find ways to save on car insurance.
- Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
- Defensive Driver Discount – Participating in a class that teaches safe driver techniques could save 5% or more if your company offers it.
- Bundled Policy Discount – If you have multiple policies with one company you could get a discount of up to 20% and get you cheaper Odyssey insurance.
- Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
- Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
- First Accident Forgiveness – This one isn’t a discount, but some insurance companies will let one accident slide before raising your premiums if your claims history is clear before the accident.
- Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Renewal Discounts – Select larger companies give a discount for buying a new policy prior to your current Odyssey insurance policy expiration. You can save around 10% with this discount.
- Homeowners Savings – Being a homeowner can get you a discount since home ownership is proof that your finances are in order.
While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will definitely lower your overall premium however.
The diagram below shows the difference between Honda Odyssey insurance costs with and without policy discounts. The rates are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, multi-policy, safe-driver, and marriage discounts applied.
Companies and a summarized list of policyholder discounts can be read below.
- State Farm offers discounts including multiple policy, accident-free, student away at school, multiple autos, and passive restraint.
- Esurance offers premium reductions for online shopper, paid-in-full, homeowner, emergency road assistance, and Switch & Save.
- Progressive discounts include continuous coverage, multi-vehicle, homeowner, good student, and online signing.
- Liberty Mutual may include discounts for good student, new graduate, newly married, hybrid vehicle, multi-policy, and new vehicle discount.
- Auto-Owners Insurance includes discounts for multiple vehicles, paperless, company car, safe driver, and paid in full.
- GEICO may offer discounts for federal employee, driver training, anti-lock brakes, military active duty, and defensive driver.
When comparing rates, check with every company which discounts you qualify for. Savings may not apply everywhere. To choose car insurance companies that offer multiple discounts in Chandler, click this link.
Honda Odyssey insurance statistics and information
The price information below covers different insurance policy prices for Honda Odyssey models. Understanding how insurance prices are determined can assist in making informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Odyssey EX W/Rear Entertainment||$108||$240||$338||$20||$102||$808||$67|
|Odyssey EX-L W/Rear Entertainment||$124||$284||$338||$20||$102||$868||$72|
|Odyssey EX-L W/Navigation||$124||$284||$338||$20||$102||$868||$72|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific Chandler garaging location which can raise or lower coverage prices considerably.
Annual premiums for males compared to females in Chandler
The example below illustrates the difference between Honda Odyssey auto insurance rates for male and female drivers. The information is based on no claims or violations, full physical damage coverage, $500 deductibles, drivers are single, and no other discounts are factored in.
Honda Odyssey liability rates compared to full coverage
The example below compares Honda Odyssey premium costs with liability coverage only compared to full coverage. The premiums are based on a clean driving record, no claims, $250 deductibles, single marital status, and no discounts are taken into consideration.
Should you pay for full coverage?
There is no specific rule to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Honda Odyssey settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after the policy deductible has been paid. If you are paying in excess of $800 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not drop full coverage.
Honda Odyssey Insurance Rates Can Be More Affordable
Part of the auto insurance buying process is learning some of the things that are used to determine your premiums. If you understand what determines premiums, this allows you to make good choices that may reward you with big savings. Lots of factors are part of the calculation when premium rates are determined. Some are obvious like a motor vehicle report, but some are not as apparent such as your marital status and annual miles driven.
Shown below are most of the major factors used by your company to calculate rates.
No auto insurance gaps is important – Having a gap between insurance policy dates is a fast way to drive up your policy premiums. And not only will insurance be more expensive, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license. You may need to file a SR-22 with the Arizona department of motor vehicles.
Liability is peace of mind – The liability section of your policy will protect you in the event that a jury decides you are liable for causing personal injury or damage in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
Insurance is expensive for teenage drivers – Beginning drivers in Arizona have been known to be easily distracted when driving so auto insurance rates are higher. Adding a young driver onto your auto insurance can cause a big jump in price. Older people are more cautious drivers, statistically cause fewer accidents, and are safer drivers.
The data below assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
Prices impacted by your city – Having an address in less populated areas of the country has it’s advantages when buying auto insurance. Drivers who live in large cities have more road rage incidents and more time behind the wheel. Less people living in that area means fewer accidents.
Rates go up with performance – The performance of the vehicle you need insurance for makes a big difference in your premium level. The most favorable rates are for economy passenger vehicles, but many other things help determine your insurance rates.
The following data is based on a single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It illustrates Honda Odyssey car insurance rates compared to other makes and models that have a range of risk factors.
Get better costs if you’re married – Your spouse actually saves money on auto insurance. Marriage is viewed as being less irresponsible and insurance companies like that married couples file fewer claims.
Know your vehicle’s safety rating – Safe vehicles are cheaper to insure. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries translates into fewer and smaller insurance claims which can mean better rates for you.
Loss probability for a Honda Odyssey – Companies use claims history to determine a price that will be profitable for them. Vehicles that the data shows to have increased losses will have higher rates for specific coverages. The next table illustrates the historical loss data for Honda Odyssey vehicles.
For each policy coverage, the statistical loss for all vehicles, as an average, is considered to be 100. Numbers that are below 100 are indicative of better than average losses, while numbers above 100 point to more losses or an increased chance of a larger loss.
|Specific Honda Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics from IIHS.org for 2013-2015 Model Years