Cheap Honda Odyssey Insurance in San Francisco

Insurance rates Honda Odyssey in San FranciscoTo save the most money, the best way to get cheaper Honda Odyssey insurance is to begin comparing prices regularly from insurance carriers in San Francisco.

  1. Try to learn a little about how auto insurance works and the things you can change to prevent expensive coverage. Many things that drive up the price like distracted driving and an imperfect credit history can be controlled by making small lifestyle or driving habit changes.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple sources.
  3. Compare the new quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.

One tip to remember is to make sure you enter similar coverage information on each quote and and to get price quotes from as many companies as possible. Doing this provides the most accurate price comparison and a good representation of prices.

It’s a known fact that insurance companies don’t want policyholders to shop around. People who rate shop once a year are inclined to switch companies because there is a good probability of finding better rates. A study showed that consumers who regularly compared rates saved $860 a year as compared to drivers who never shopped for cheaper rates.

If finding the best rates on Honda Odyssey insurance is your objective, then having some knowledge of how to choose a company and compare insurance rates can help you succeed in finding affordable rates.

San Francisco auto insurance discounts

Car insurance companies don’t necessarily list every discount in an easy-to-find place, so the below list has both the well known as well as some of the hidden discounts you could be receiving when you buy San Francisco auto insurance online.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, nobody gets a free ride.

The illustration below compares Honda Odyssey auto insurance costs with and without discounts applied to the premium. Data assumes a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, claim-free, homeowner, and multi-car discounts applied.

To choose insurance companies that can offer you the previously mentioned discounts in San Francisco, click this link.

The method we recommend to get rate comparisons for Honda Odyssey insurance in San Francisco is to know most insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is provide a little information including if you lease or own, what your job is, how your vehicles are used, and your general credit rating. Your rating data is instantly submitted to multiple companies and you receive quotes with very little delay.

To compare multiple company cheaper Honda Odyssey insurance rates now, click here and complete the form.

The auto insurance companies shown below are ready to provide free rate quotes in California. If more than one company is shown, it’s highly recommended you visit several of them to get the best price comparison.

Coverage analysis

The rate table below outlines different insurance rates for Honda Odyssey models. Understanding more about how insurance prices are formulated can assist in making smart choices when buying a car insurance policy.

Honda Odyssey Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $208 $392 $500 $30 $150 $1,280 $107
Odyssey EX $208 $478 $500 $30 $150 $1,366 $114
Odyssey EX W/Rear Entertainment $208 $478 $500 $30 $150 $1,366 $114
Odyssey EX-L $238 $564 $500 $30 $150 $1,482 $124
Odyssey EX-L W/Rear Entertainment $238 $564 $500 $30 $150 $1,482 $124
Odyssey EX-L W/Navigation $238 $564 $500 $30 $150 $1,482 $124
Odyssey Touring $270 $564 $500 $30 $150 $1,514 $126
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in your specific San Francisco location which can revise coverage rates considerably.

Physical damage deductibles

One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The following insurance rates can help you visualize the rate fluctuation when you buy lower versus higher deductibles. The first set of rates uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Honda Odyssey insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $298 $472 $442 $26 $132 $1,395 $116
Odyssey EX $298 $576 $442 $26 $132 $1,499 $125
Odyssey EX W/Rear Entertainment $298 $576 $442 $26 $132 $1,499 $125
Odyssey EX-L $342 $678 $442 $26 $132 $1,645 $137
Odyssey EX-L W/Rear Entertainment $342 $678 $442 $26 $132 $1,645 $137
Odyssey EX-L W/Navigation $342 $678 $442 $26 $132 $1,645 $137
Odyssey Touring $386 $678 $442 $26 $132 $1,689 $141
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Honda Odyssey insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $242 $382 $442 $26 $132 $1,224 $102
Odyssey EX $242 $464 $442 $26 $132 $1,306 $109
Odyssey EX W/Rear Entertainment $242 $464 $442 $26 $132 $1,306 $109
Odyssey EX-L $278 $546 $442 $26 $132 $1,424 $119
Odyssey EX-L W/Rear Entertainment $278 $546 $442 $26 $132 $1,424 $119
Odyssey EX-L W/Navigation $278 $546 $442 $26 $132 $1,424 $119
Odyssey Touring $314 $546 $442 $26 $132 $1,460 $122
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in vehicle garaging location which can affect auto insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $17 more each month or $204 a year averaged for all Odyssey models than requesting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 15 months between claims, you would most likely save money going with the higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $131
Average monthly premium for $500 deductibles (subtract): – $114
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important note is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you have to file a claim. That will force you to have some non-essential savings in the event you need to pay the deductible to have repairs made.

Rate comparison of men versus women in San Francisco

The diagram below visualizes the comparison of Honda Odyssey auto insurance rates for male and female drivers. The price estimates are based on no claims or driving citations, comp and collision included, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Informed Drivers Save on Insurance

Many factors are part of the equation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but some are less apparent such as your credit history or your commute time. The best way to find cheaper auto insurance is to take a look at the different types of things that are used to determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to much lower annual insurance costs.

The following are some of the things used by companies to determine your rates.

Get a ticket, pay higher premiums – Even a single driving citation could increase your next policy renewal twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance compared to bad drivers. Drivers who get license-revoking violations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a SR-22 with their state’s licensing department in order to legally drive a vehicle.

The diagram below illustrates how violations and at-fault claims can affect Honda Odyssey auto insurance costs for different categories of driver ages. The rates are based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Auto insurance rates and age – Older people are more responsible, tend to cause fewer accidents, and are generally more financially stable. Beginning drivers are statistically shown to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.

The next chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

Long commutes cost more – The higher the mileage driven in a year the higher the price you pay to insure it. Most insurance companies apply a rate based upon how much you drive. Vehicles not used for work or commuting cost less to insure than those used for commuting. Improper usage on your Odyssey is throwing money out the window. It’s a smart idea to ensure your policy correctly shows the correct usage.

Small coverages can add up – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for roadside assistance, better glass coverage, and extra life insurance coverage are examples of these. They may sound like good ideas at first, but if they’re wasting money eliminate the coverages to reduce your premium.

Honda Odyssey statistical loss data – Insurers study historical loss data to help determine prices. Vehicles that historically have a trend towards higher claim severity or frequency will have increased rates. The data below shows the compiled insurance loss statistics for Honda Odyssey vehicles.

For each coverage type, the loss probability for all vehicles combined as an average is a value of 100. Numbers shown that are under 100 suggest a positive loss record, while percentages above 100 indicate more frequent losses or a tendency for losses to be larger than average.

Auto Insurance Loss Data for Honda Odyssey Models
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda Odyssey 78 83 75 82 78 71

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance agencies can help

Some consumers would rather get professional advice from a licensed agent and we recommend doing that Licensed agents can make sure you are properly covered and give you someone to call. A good thing about comparing rates online is that you can obtain cheap rate quotes and still have an agent to talk to.

San Francisco insurance agentsOnce you complete this short form, your information is transmitted to participating agents in San Francisco who want to provide quotes for your insurance coverage. You won’t need to even leave your home since price quotes are sent to you. If you want to quote rates from a specific insurance provider, don’t hesitate to navigate to their website and give them your coverage information.

Finding the right provider is decision based upon more than just a cheap price quote. Below are some questions you should ask.

Multiple types of car insurance agents in San Francisco

If you want to buy insurance from a reputable insurance agent or broker, it helps to know the two different types of agencies and how they function. Agencies in San Francisco are considered either exclusive or independent. Both types of agents can handle insurance, but it’s good to learn how they differ since it could factor into your selection of an agent.

Exclusive Insurance Agents

Exclusive agencies are contracted to one company and examples are State Farm, AAA, and Liberty Mutual. They usually cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agents are well schooled on what they offer and that can be a competitive advantage. A lot of people choose to use a exclusive agent primarily because of the prominence of the brand instead of buying on price only.

The following is a short list of exclusive agencies in San Francisco willing to provide rate quotes.

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Independent Agents

These agents are not restricted to one company so they can quote policies with a variety of different insurance companies and get the cheapest rates. If they find a cheaper price, they simply move your policy to a different company and you don’t have to do anything.

If you are comparing rate quotes, you need to include price quotes from at least one independent agent to maximize your price options. Most independent agents also contract with smaller regional carriers that many times have cheaper rates.

The following is a list of independent agents in San Francisco that can give you rate quotes.

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Why you need to buy insurance

Despite the high cost of buying insurance for a Honda Odyssey in San Francisco, insurance is not optional due to several reasons.

The benefits of buying insurance more than offset the price you pay, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying over $810 a year so compare rate quotes every year to make sure the price is not too high.

Don’t give up on cheaper coverage

When shopping online for auto insurance, don’t be tempted to skimp on coverage in order to save money. In many cases, consumers will sacrifice liability coverage limits and found out when filing a claim they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the best cost, not the least amount of coverage.

Affordable Honda Odyssey insurance in San Francisco can be sourced online and also from your neighborhood San Francisco agents, so get free San Francisco auto insurance quotes from both of them so you have a total pricing picture. Some auto insurance companies do not offer price quotes online and usually these smaller providers sell through local independent agents.

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, policy cancellation, unfair underwriting practices and even lack of trust in their agent. It doesn’t matter why you want to switch choosing a new company can be pretty painless.

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