6 Tricks to Cut Your Honda Odyssey Insurance Rates in Las Vegas, NV

Las Vegas consumers have options when looking for affordable Honda Odyssey insurance. They can either spend hours driving around getting price quotes or leverage the internet to find the lowest rates. There is a better way to find auto insurance online so you’re going to learn the absolute fastest way to get price quotes for your Honda and get the lowest price from Las Vegas insurance agents and online providers.

It’s a great practice to compare prices occasionally since insurance rates tend to go up over time. Even if you think you had the lowest rates on Odyssey insurance a year ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate one of the best ways to find the best coverage while lowering your premiums.

Finding affordable coverage in Las Vegas is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Nevertheless, Nevada consumers must understand the way insurance companies price online insurance and take advantage of how the system works.

Las Vegas Auto Insurance Quote Comparison

There are several ways of comparing rates from auto insurance companies in your area. The best method to find the cheapest Honda Odyssey insurance rates consists of shopping online. This can be done in several different ways.

The fastest way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for repetitive form entry for each company you want a rate for. A single form gets you coverage quotes from multiple low-cost companies. It’s the fastest way to compare.

A slightly less efficient method to compare prices consists of visiting the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s say you want comparison quotes from Progressive, Safeco and GMAC. To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method.

For a list of links to insurance companies in Las Vegas, click here.

The least recommended method to compare rates is driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you require the professional guidance only provided by licensed Las Vegas agents. Drivers can get prices online but still have the advice of a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just be sure to compare identical coverage limits on every quote. If you enter different deductibles it will be next to impossible to determine which rate is truly the best in Las Vegas. Having just a slight variation in limits can result in a big premium difference. It’s important to know that obtaining a wide range of quotes provides better odds of finding a lower rate.

You probably qualify for some discounts

Car insurance companies do not list every discount very clearly, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance.

Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more off your medical payments premium.
Homeowners Pay Less – Owning a house in Las Vegas can help you save on auto insurance because maintaining a house requires personal responsibility.
Discount for Life Insurance – Larger companies have lower rates if you buy life insurance.
Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in high school.
Multi-policy Discount – If you have multiple policies with the same company you may earn 10% to 20% off each policy.
Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% on Odyssey insurance.
Clubs and Organizations – Being a member of a civic or occupational organization could qualify you for a break when shopping for auto insurance on Odyssey insurance.
Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.

Shop online but buy locally

Some consumers just want to sit down with an agent and that is a personal choice. One of the best bonuses of comparing insurance prices online is you can get better rates and still have an agent to talk to.

To find an agent, once you fill out this form (opens in new window), your information is sent to companies in Las Vegas who will return price quotes for your coverage. There is no need to leave your computer as quotes are delivered straight to your inbox. It doesn’t get any easier! Get lower rates and work with a local agent.

Selecting an insurer requires more thought than just a cheap price. Some important questions to ask are:

Which insurance companies are they affiliated with?
Will their companies depreciate repairs to your car based on the mileage?
Do they feel the quoted coverages are adequate?
Does the agency have a good rating with the Better Business Bureau?
Do you have coverage for a rental car if your vehicle is in the repair shop?
Are claim adjusters local or do you have to take your car somewhere else?

Pick the best car insurance agent in Las Vegas for you

When searching for a local agent, you must know there are a couple different agency structures to choose from. Las Vegas agents can either be captive or independent (non-captive).

Captive Insurance Agents

This type of agents can only write with one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They usually cannot shop your coverage around so they are skilled at selling on more than just price. Captive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Some people will only choose to use a captive agent partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Independent Agencies or Brokers

Independent agencies do not work for one specific company but rather can write business with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When comparing rates, you should always include price quotes from several independent insurance agents to get the best comparison.Many can place coverage with smaller companies who may have lower rates.

Upon receiving acceptable answers and locked in a price quote, you may have just found an insurance agency that will provide auto insurance coverage.

There’s no such thing as the perfect policy

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions can aid in determining if you would benefit from professional advice.

Does my personal auto insurance policy cover using my vehicle for business use?
Are my friends covered when driving my Honda Odyssey?
Am I covered by my spouse’s policy after a separation?
Does coverage extend to a rental car in a foreign country?
Is my nanny covered when driving my vehicle?
What is the difference between comprehensive and collision coverage?
Am I covered when driving on a suspended license?
Is rental equipment covered for theft or damage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Factors determining your Honda Odyssey insurance premium

Smart consumers have a good feel for the rating factors that play a part in calculating your auto insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get big savings.

Shown below are a partial list of the pieces that factor into your rates.

Is your vehicle built for speed? – The performance level of the car you are insuring makes a substantial difference in the rate you pay. The lowest rates tend to be for low performance passenger cars, but there are many factors that impact the final cost. Since the Honda Odyssey is considered a van and minivan, rates will be similar in price compared to average rates in Las Vegas.
More people means more accidents – Being located in less populated areas can save you money when it comes to auto insurance. Lower population translates into fewer accidents and a lower car theft rate. Drivers who live in large Nevada cities have to deal with traffic congestion and much longer commute distances. More time on the road means more change of being in an accident.
Frequent auto insurance claims increase rates – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Auto insurance companies in Nevada provide discounts to drivers who do not rely on their insurance for small claims. Car insurance is intended for larger claims.
Poor driving leads to higher costs – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one citation can boost insurance rates forty percent or more. Careful drivers have lower premiums than people who have multiple driving citations. Drivers with severe tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
Better credit scores mean better rates – Having a bad credit score is a large factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could pay less to insure your Honda Odyssey by improving your rating. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with poor credit.
Do you need the policy add-ons? – There are quite a few extra bells and whistles that can waste your money if you aren’t careful. Things like personal injury protection, accident forgiveness and term life insurance may be costing you every month. They may seem good at first, but if they’re wasting money remove them from your policy.

And the best car insurance company is…

We covered a lot of techniques to compare Honda Odyssey insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best prices are with some of the lesser-known companies.

Discount Honda Odyssey insurance is available on the web and also from your neighborhood Las Vegas agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide online price quotes and these small, regional companies work with independent agents.

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

More tips and info about auto insurance can be found at the Nevada Division of Insurance website. Nevada consumers can learn about insurance regulations, get help finding coverage, file complaints about an insurance agent or broker, and read consumer alerts.