Cheapest Quotes for Honda Odyssey Insurance in Scottsdale

Do you need a fast way to compare low-cost Honda Odyssey insurance in Scottsdale? Are you at wits end from paying out the nose to keep your car insured? You have the same problem as the majority of other vehicle owners in Arizona.

Insurance rates Honda Odyssey in ScottsdaleA recent survey discovered that nearly 70% of customers renewed their policy with the same company for well over three years, and practically 40% of auto insurance customers have never compared rate quotes at all. With the average premium in Arizona being $1,578, drivers could save 50% each year by just comparing rate quotes, but they don’t understand how simple it is to shop their coverage around. Big companies like State Farm, GEICO and Farmers Insurance all promote huge savings with catchy ads and it is challenging if not impossible to see through the deception and find the best price available.

If you are already insured or are shopping for new coverage, use these cost-cutting techniques to shop for the lowest rates while maintaining coverages. Locating the best rates in Scottsdale is really not that difficult. Drivers just have to know the fastest way to find the lowest price online from multiple companies.

Scottsdale Insurance Prices are Influenced by These Factors

Many things are considered when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, although others are not as apparent such as your marital status or how financially stable you are.

GPS tracking and theft deterrents systems cut insurance rates – Owning a car with a theft deterrent system can save you a little every year. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.

Males pay more for auto insurance – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both genders have fender benders in similar numbers, but the male of the species tend to have higher claims. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI).

The illustration below compares Honda Odyssey insurance costs for male and female drivers. The premiums assume no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no discounts are applied to the premium.

More traffic means higher claims – Being located in a small town can be a good thing when insuring your vehicles. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims. Residents of big cities have to deal with more traffic problems and longer commute times. The longer drive time statistically corresponds to a higher accident and claim rate.

Accidents are costly – Having a clean driving record has a lot to do with how much you pay for insurance. Only having one driving citation can bump up the cost to the point where it’s not affordable. Good drivers receive lower rates as compared to careless drivers. Drivers unfortunate enough to have multiple violations such as reckless driving or DUI may face state-mandated requirements to submit a SR-22 form with their state DMV in order to keep their license.

The chart below demonstrates how speeding tickets and at-fault accidents impact Honda Odyssey insurance premiums for different age categories. The prices are based on a married male driver, full coverage, $500 deductibles, and no discounts are factored in.

Fast cars cost more to insure – The type of car, truck or SUV you are insuring makes a huge difference in your rates. The cheapest insurance rates tend to be for smaller low performance passenger models, but many other things help determine your insurance rates.

The next chart assumes a married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It illustrates Honda Odyssey insurance premiums compared to other models of vehicles that have different performance rating factors.

Drivers with high credit save – Having a bad credit history is a big factor in determining what you pay. People with excellent credit tend to be more responsible and file fewer claims than drivers with lower ratings. If your credit can use some improvement, you could save money insuring your Honda Odyssey by improving your credit score.

Insurance loss probability for a Honda Odyssey – Auto insurance companies factor in insurance loss information to calculate a rate that will offset losses. Vehicles that are shown to have higher prevalence or dollar amount of losses will have a higher cost to insure.

The data below shows the collected loss data for Honda Odyssey vehicles. For each policy coverage, the claim amount for all vehicles combined as an average is a value of 100. Numbers under 100 imply a favorable loss record, while values over 100 indicate higher probability of having a loss or a tendency for claims to be larger.

Insurance Loss Ratings for Honda Odyssey Vehicles
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

Most companies such as Allstate and Progressive give prices online. Obtaining pricing for Honda Odyssey insurance in Scottsdale is pretty painless because it’s just a matter of typing in the coverages you want on the page. When the form is submitted, the company’s rating system automatically retrieves credit information and your driving record and returns pricing information based on the data you entered. Getting online rate quotes for Honda Odyssey insurance in Scottsdale streamlines rate comparisons, and it’s very important to do this if you want to find the cheapest auto insurance rates.

To quickly fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you copy coverages and limits exactly as they are listed on your policy. This helps ensure you will get a rate comparison for the exact same coverage.

The car insurance companies shown below are our best choices to provide price comparisons in Arizona. If your goal is to find cheap car insurance in AZ, it’s a good idea that you compare several of them to get the best price comparison.

Honda Odyssey coverage statistics

The information below covers detailed analysis of coverage prices for Honda Odyssey models. Having a good understanding how insurance rates are formulated can help customers make informed decisions when shopping around for a new policy.

Honda Odyssey Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $256 $382 $392 $24 $118 $1,172 $98
Odyssey EX $256 $466 $392 $24 $118 $1,256 $105
Odyssey EX W/Rear Entertainment $256 $466 $392 $24 $118 $1,256 $105
Odyssey EX-L $294 $548 $392 $24 $118 $1,376 $115
Odyssey EX-L W/Rear Entertainment $294 $548 $392 $24 $118 $1,376 $115
Odyssey EX-L W/Navigation $294 $548 $392 $24 $118 $1,376 $115
Odyssey Touring $332 $548 $392 $24 $118 $1,414 $118
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in vehicle location which can lower or raise premiums greatly.

Analysis of deductible levels

When buying auto insurance, a common question is which comprehensive and collision deductibles to buy. The rates below summarize the differences in price when you buy lower versus higher policy deductibles. The first set of prices uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.

Honda Odyssey insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $224 $382 $300 $18 $90 $1,039 $87
Odyssey EX $224 $466 $300 $18 $90 $1,123 $94
Odyssey EX W/Rear Entertainment $224 $466 $300 $18 $90 $1,123 $94
Odyssey EX-L $258 $548 $300 $18 $90 $1,239 $103
Odyssey EX-L W/Rear Entertainment $258 $548 $300 $18 $90 $1,239 $103
Odyssey EX-L W/Navigation $258 $548 $300 $18 $90 $1,239 $103
Odyssey Touring $292 $548 $300 $18 $90 $1,273 $106
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Honda Odyssey insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $124 $202 $300 $18 $90 $734 $61
Odyssey EX $124 $246 $300 $18 $90 $778 $65
Odyssey EX W/Rear Entertainment $124 $246 $300 $18 $90 $778 $65
Odyssey EX-L $144 $290 $300 $18 $90 $842 $70
Odyssey EX-L W/Rear Entertainment $144 $290 $300 $18 $90 $842 $70
Odyssey EX-L W/Navigation $144 $290 $300 $18 $90 $842 $70
Odyssey Touring $162 $290 $300 $18 $90 $860 $72
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in vehicle garaging location which can alter insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $31 more each month or $372 annually across all Honda Odyssey models than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 29 months between claim filings, you would probably come out ahead if you opt for a higher deductible. The table below illustrates a better example of how this determination is made.

Average monthly premium for $100 deductibles: $99
Average monthly premium for $1,000 deductibles (subtract): – $68
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important note is that higher deductibles results in more money out-of-pocket when you have a comprehensive or collision claim. That will force you to have access to more funds in order to pay the deductible.

The example below demonstrates how deductible levels and can affect Honda Odyssey insurance costs for each age group. The data is based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Honda Odyssey liability-only versus full coverage

The chart below compares Honda Odyssey yearly insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no set guideline that is best for determining when to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Honda Odyssey replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after you pay the deductible. If you are paying more than $700 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some circumstances where removing full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Best reasons to buy insurance in Arizona

Even though it’s not necessarily cheap to insure a Honda in Scottsdale, paying for insurance may be required and benefits you in several ways.

First, the majority of states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your Honda Odyssey, it’s guaranteed your bank will have a requirement that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank will be required to insure your Honda for a lot more money and force you to pay the higher price.

Third, insurance protects both your Honda and your personal assets. It will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense in the event you are sued. If you have damage to your Honda as the result of the weather or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance greatly outweigh the cost, especially when you need to use it. The average driver in Arizona is overpaying more than $800 each year so you should quote and compare rates at every renewal to be sure current rates are still competitive.

Lower-cost Honda Odyssey insurance in Scottsdale

Not too many consumers would say car insurance is affordable, but there are discounts available that can drop the cost substantially. Some discounts will apply when you purchase, but once in a while a discount must be asked about prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.Save money with discounts

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

The example below shows the comparison of Honda Odyssey insurance premiums with and without discounts applied to the rates. The costs are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, claim-free, and safe-driver discounts applied.

For a list of insurers that can offer you the previously mentioned discounts in Scottsdale, click here.

Buying car insurance from Scottsdale car insurance agents

Many people just want to sit down with an agent and we recommend doing that Experienced insurance agents are highly skilled in risk management and help you file claims. One of the best bonuses of comparing rates online is the fact that you can find lower prices but still work with a licensed agent. Buying from and supporting neighborhood agents is definitely important in Scottsdale.

Find insurance agent in ScottsdaleAfter completing this quick form, your coverage information is emailed to local insurance agents in Scottsdale who can give free rate quotes and help you find cheaper coverage. You won’t even need to find an agent on your own because quoted prices will be sent to you instantly. If you need to get a comparison quote for a specific company, you just need to navigate to their website and fill out the quote form the provide.

Exclusive agents vs. Independent agents

When searching for a good Scottsdale insurance agent, there are a couple of types of insurance agents and how they differ in how they quote coverages. Agents in Scottsdale can either be exclusive agents or independent agents. Either type can write car insurance policies, but it’s important to know the subtle differences because it can influence your selection of an agent.

Independent Agents

Independent insurance agents are not locked into one company so as a result can place your coverage amongst many companies and get the cheapest rates. To transfer your coverage to a different company, your agent can switch companies and you don’t have to do anything.

If you are comparing rate quotes, you absolutely need to include price quotes from several independent agencies for maximum quote selection.

Listed below are independent insurance agents in Scottsdale that may be able to give you free rate quotes.

2918 N 67th PlScottsdale, AZ 85251(480) 348-2200View Map

8040 E Morgan Trail #5AScottsdale, AZ 85258(480) 998-4014View Map

14301 N 87th St Suite 308Scottsdale, AZ 85260(480) 348-1100View Map

More Scottsdale agents

Exclusive Insurance Agents

Exclusive agents can only quote rates from one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agencies are usually quite knowledgeable on their company’s products which aids in selling service over price.

Shown below are exclusive agents in Scottsdale willing to provide comparison quotes.

8436 E Shea Blvd c103Scottsdale, AZ 85260(480) 661-0801View Map

6900 E Camelback Rd #820Scottsdale, AZ 85251(480) 897-6500View Map

9393 N 90th St Ste 108CScottsdale, AZ 85258(480) 478-6968View Map

More Scottsdale agents

Finding a good auto insurance agent should include more criteria than just a cheap price. The questions below may impact your decision as well.

Frequent quotes can save

Lower-priced insurance in Scottsdale is available on the web as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not offer rates over the internet and most of the time these smaller providers provide coverage only through independent agencies.

We just presented a lot of techniques to lower your Honda Odyssey insurance prices in Scottsdale. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable Scottsdale car insurance quotes. You may even discover the biggest savings come from a small mutual company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.

Steps to finding discount Honda Odyssey insurance in Scottsdale

The recommended way to find lower priced auto insurance rates is to regularly compare prices from companies who provide auto insurance in Scottsdale.

  1. Take a little time to learn about how insurance works and the modifications you can make to keep rates in check. Many risk factors that drive up the price such as traffic violations, accidents, and a poor credit score can be amended by making small lifestyle or driving habit changes.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agencies can provide prices from many different companies.
  3. Compare the new quotes to your current policy to see if you can save by switching companies. If you find a lower rate, make sure there is no coverage gap between policies.
  4. Notify your company or agent of your decision to cancel your current car insurance policy. Submit a down payment along with a completed application to your new carrier. Once coverage is bound, place the new proof of insurance certificate with your vehicle’s registration.

The critical component of shopping around is to use similar deductibles and liability limits on each quote request and and to get prices from as many different companies as possible. This guarantees a fair price comparison and the best price selection.

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