Searching for low-cost insurance for your Honda Odyssey in Washington can normally be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to shop for insurance so we're going to tell you the absolute fastest way to compare rates on a Honda and find the best price possible either online or from Tacoma insurance agents.
Buying affordable insurance in Tacoma is actually not that difficult if you follow our advice. If you are insured now or are just looking to switch companies, you will benefit by learning to save money without sacrificing coverage. Drivers only need an understanding of the proper methods to compare rates from many companies at once.
Affordable companies for Honda Odyssey insurance in Washington
The companies in the list below are our best choices to provide quotes in Tacoma, WA. If multiple providers are shown, we recommend you visit two to three different companies in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Odyssey EX W/Rear Entertainment||$184||$310||$386||$22||$116||$1,018||$85|
|Odyssey EX-L W/Rear Entertainment||$140||$284||$294||$18||$88||$824||$69|
|Odyssey EX-L W/Navigation||$206||$448||$398||$24||$120||$1,196||$100|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific Tacoma garaging location which can influence insurance rates noticeably.
Car insurance premiums based on gender
The illustration below illustrates the difference between Honda Odyssey auto insurance rates for male and female drivers. The data assumes no violations or accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Honda Odyssey insurance discounts in Tacoma
Companies that sell car insurance do not list all discounts in an easy-to-find place, so the next list breaks down a few of the more common and also the lesser-known discounts that may be available. If you do not double check each discount you deserve, you could be saving more on your insurance.
- College Student - Kids who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
- Passenger Safety Discount - Vehicles with factory air bags may get savings of more than 20%.
- Discount for Good Grades - Maintaining excellent grades can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
- Government Employee Discount - Employees or retirees of the government could cut as much as 10% off with some insurance companies.
- Renewal Discounts - A few larger companies give discounts for switching policies prior to your current Odyssey insurance policy expiration. You may see this discount when you get Tacoma auto insurance quotes online.
As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like all those discounts means the company will pay you, company stockholders wouldn't be very happy.
A few popular companies and a partial list of their discounts include:
- State Farm has savings for anti-theft, Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, and student away at school.
- GEICO policyholders can earn discounts including military active duty, anti-lock brakes, multi-vehicle, emergency military deployment, good student, and multi-policy.
- Progressive discounts include multi-vehicle, online quote discount, multi-policy, homeowner, and continuous coverage.
- 21st Century includes discounts for student driver, automatic seat belts, driver training, anti-lock brakes, and early bird.
- American Family offers discounts including defensive driver, accident-free, multi-vehicle, good driver, and mySafetyValet.
- The Hartford offers premium reductions for vehicle fuel type, air bag, good student, anti-theft, bundle, and driver training.
- AAA may have discounts that include pay-in-full, AAA membership discount, multi-car, education and occupation, good student, multi-policy, and anti-theft.
Before you buy a policy, ask each company to apply every possible discount. A few discounts may not be offered in your area. If you would like to choose from a list of insurers with discount insurance rates in Tacoma, click this link.
Are car insurance agents a thing of the past?
A lot of people just prefer to get advice from a local agent and that can be a smart move Professional insurance agents are highly skilled in risk management and help you file claims. The best thing about comparing insurance prices online is that drivers can save money and get lower prices and also buy local.
To help locate an agent, after submitting this short form, the coverage information is emailed to participating agents in Tacoma who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies since rate quotes are delivered instantly to you. If you want to compare rates from a specific insurance provider, just jump over to their website to submit a rate quote request.
Choosing the best company requires more thought than just a cheap price quote. Agents should be asked these questions:
- Which company do they place the most coverage with?
- Does the company use OEM repair parts?
- If your car is in the repair shop, do you have coverage for a rental car?
- Which insurance companies are they affiliated with?
- Do they get paid more for recommending certain coverages?
Is an exclusive or independent auto insurance agent right for you?
When researching a reliable agent, you need to know there are two types of agencies and how they can write your policy. Insurance agents in Tacoma can be classified as either independent or exclusive depending on the company they work for. Either can provide insurance policies, but it's good to learn why they differ since it may influence buying decisions.
Exclusive Insurance Agents
Exclusive agencies normally can only provide a single company's rates and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to give you multiple price quotes so you might not find the best rates. Exclusive agents receive a lot of sales training on what they offer which helps overcome the inability to quote other rates. Consumers frequently use the same exclusive agent mainly due to the brand legacy and strong financial ratings.
Below is a short list of exclusive insurance agencies in Tacoma willing to provide price quotes.
- Farmers Insurance - Ilya Duloglo
3906 S 74th St #105 - Tacoma, WA 98409 - (253) 267-7008 - View Map
- Allstate Insurance: Jeff Burnett
2208 N 30th St #102 - Tacoma, WA 98403 - (253) 471-8884 - View Map
- American Family Insurance - Dominic Batten
15711 Pacific Ave S - Tacoma, WA 98444 - (253) 722-2886 - View Map
Agents that choose to be independent do not have single company limitations so they can insure your vehicles through many different insurance companies and find you cheaper rates. If they find a cheaper price, your agent can just switch to a different company which makes it simple for you.
When comparing rates, you will want to compare quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Many can place coverage with mutual insurance companies that can offer cheaper rates than bigger companies.
Below is a list of independent agencies in Tacoma that can give you comparison quotes.
- Asbjornsen Insurance Agency
3108 6th Ave - Tacoma, WA 98406 - (253) 759-3597 - View Map
- AllState Insurance: Tacoma
1334 Fawcett Ave - Tacoma, WA 98402 - (253) 880-1825 - View Map
- Vern Fonk
7018 Tacoma Mall Blvd - Tacoma, WA 98409 - (253) 943-2210 - View Map
After you get good responses for all questions you ask as well as cheap Odyssey insurance quotes, chances are good that you have found an insurance agency that meets the criteria to service your policy. Keep in mind once you purchase a policy you can cancel coverage any time you want so don't think you are locked into a policy for a certain time period.
The auto insurance bait and switch
Consumers in Washington can't get away from ads that claim the lowest prices by State Farm, GEICO and Progressive. All the ads make the same claim about savings if you just switch to them.
That's great but how can every company say the same thing? This is the way they can do it.
Insurance providers are able to cherry pick for the type of insured that will add to their bottom line. For instance, a profitable customer may need to be over the age of 50, has few claims, and has a high credit rating. Anyone who matches that profile will most likely get cheap prices as well as cut their rates substantially.
Consumers who don't measure up to those criteria must pay a higher rate and this results in business going elsewhere. If you listen to the ad wording, they say "customers that switch" not "everybody who quotes" can save as much as they claim. That's the way insurance companies can make the claims of big savings. Because each company has a different risk profile, you absolutely need to compare many company's premium rates. It is impossible to guess the company that will have better car insurance rates than you're paying now.
Auto insurance coverage information
Having a good grasp of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.
This coverage gives you protection when the "other guys" either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Honda Odyssey.
Because many people only carry the minimum required liability limits (25/50/10 in Washington), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, dental work and chiropractic care. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Liability coverage protects you from damage that occurs to other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/10 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $10,000 of coverage for damaged property.
Liability insurance covers claims like funeral expenses, legal defense fees, repair costs for stationary objects and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford. Washington requires drivers to carry at least 25/50/10 but drivers should carry higher limits.
Comprehensive or Other Than Collision
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as vandalism, falling objects, damage from flooding, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.
Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like backing into a parked car, crashing into a ditch, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible on your Odyssey to bring the cost down.
Lower rates by being persistent
Cheap Honda Odyssey insurance in Tacoma can be found both online and from local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not offer online price quotes and usually these smaller companies only sell coverage through independent agents.
We just presented many ideas to lower your Honda Odyssey insurance premium rates in Tacoma. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive Tacoma auto insurance quotes. Drivers may even discover the lowest premium rates come from the least-expected company.
People who switch companies do it for a number of reasons such as delays in paying claims, high rates after DUI convictions, policy cancellation and denial of a claim. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.
Additional information is located at the links below
- Avoiding Deer Collisions (Insurance Information Institute)
- What is the Best Car Insurance in Lakewood, Washington? (FAQ)
- How Much are Auto Insurance Quotes for Inexperienced Drivers in Washington? (FAQ)
- Who Has Affordable Auto Insurance for Real Estate Agents in Washington? (FAQ)
- Booster Seat Ratings (iihs.org)
- What is a Telematics Device? (Allstate)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)