Cheapest Insurance for a Honda Odyssey in Plano

Insurance rates Honda Odyssey in PlanoFinding the cheapest insurance for a Honda Odyssey in Texas can normally be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the absolute fastest way to price shop coverage for a Honda and get the cheapest rates.

If you already have coverage or are looking for a new policy, follow these tips to find the best rates and still have adequate protection. Buying the most affordable auto insurance policy in Plano is not as difficult as people think. Comparison shoppers just have to learn the least time-consuming way to compare prices online.

The best way to compare insurance rates from multiple companies is to understand car insurance companies provide online access to compare their rates. The one thing you need to do is spend a couple of minutes providing details like whether you drive to work or school, if you have a valid license, types of safety features, and whether your vehicle is owned or leased. That rating information gets transmitted to many of the top insurers and you get price estimates very quickly.

If you wish to get multiple quotes for your Honda Odyssey now, click here and complete the form.

The companies shown below can provide price comparisons in Plano, TX. If multiple companies are listed, it’s highly recommended you get price quotes from several of them in order to find the most affordable rates.

Car insurance protects more than just your car

Despite the potentially high cost of Honda Odyssey insurance, paying for car insurance may not be optional for several reasons.

The benefits of having insurance definitely exceed the price paid, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is wasting up to $700 annually so you should quote rates once a year at a minimum to help ensure money is not being wasted.

Detailed insurance information

The information shown below showcases a range of insurance premium costs for Honda Odyssey models. Understanding more about how premiums are established can assist in making decisions on which insurance to purchase.

Honda Odyssey Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $220 $404 $358 $22 $108 $1,112 $93
Odyssey EX $220 $492 $358 $22 $108 $1,200 $100
Odyssey EX W/Rear Entertainment $220 $492 $358 $22 $108 $1,200 $100
Odyssey EX-L $252 $580 $358 $22 $108 $1,320 $110
Odyssey EX-L W/Rear Entertainment $252 $580 $358 $22 $108 $1,320 $110
Odyssey EX-L W/Navigation $252 $580 $358 $22 $108 $1,320 $110
Odyssey Touring $284 $580 $358 $22 $108 $1,352 $113
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in specific location which can change auto insurance rates considerably.

The information below shows how choosing a deductible and can raise or lower Honda Odyssey insurance rates for different age groups. The information is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Annual premiums comparing men and women

The chart below illustrates the difference between Honda Odyssey auto insurance rates for male and female drivers. The premiums assume no violations or accidents, comp and collision included, $250 deductibles, drivers are not married, and no policy discounts are applied.

Does it make sense to buy full coverage?

The illustration below illustrates the difference between Honda Odyssey car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no policy discounts are applied.

Should you pay for full coverage or liability only?

There is no exact formula of when to phase out comp and collision coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Honda Odyssey replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying your policy deductible. If premium cost is more than $400 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry 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 damaged, you should keep full coverage on your policy.

Verify you’re applying every discount

Some insurance providers do not list the complete list of policy discounts very clearly, so we break down some of the best known and the harder-to-find credits that you can use to lower your rates.Discount auto insurance

As a footnote on discounts, most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts should help reduce your overall bill.

The illustration below visualizes the comparison of Honda Odyssey insurance costs with and without discounts applied. The premiums assume a female driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, homeowner, multi-policy, and marriage discounts applied.

A few of the larger companies and some of the discounts can be read below.

When getting a coverage quote, ask every company which discounts you qualify for. Some credits may not apply in Plano.

There’s no such thing as the perfect auto insurance policy

When buying coverage online or from an agent for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that.Safe vehicles cost less to insure
For instance, these questions may help you determine if you would benefit from professional advice.

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

What is the best auto insurance company in Plano?

Buying coverage from a good quality auto insurance company can be rather challenging considering how many companies there are in Texas. The ranking information displayed below may help you select which insurers you want to consider comparing price quotes from.

Top 10 Plano Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Plano Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%