Five Minute Guide to Cheaper Honda Odyssey Insurance Rates in Nevada

Searching for low-cost insurance for a Honda Odyssey in Nevada can normally be an all-consuming task, but you can use our car insurance buying tips to make it easier. There is a better way to compare car insurance rates so we’re going to tell you the absolute fastest way to compare rates for your Honda and get the cheapest rates from Nevada insurance agents and online providers.

It’s a good idea to do rate comparisons on a regular basis since insurance rates trend upward over time. Just because you had the best price on Odyssey insurance a year ago you can probably find a lower rate today. So just ignore everything you know about car insurance because I’m going to teach you the fastest and easiest way to find better rates and still maintain coverage.

Buying car insurance is easy if you know what you’re doing. If you have insurance now or need a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. Nevada vehicle owners just need to know the proper methods to compare price quotes online.

More discounts equal less premium

Companies don’t always list all their discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Multiple Cars – Buying insurance for all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Odyssey insurance with certain companies.
  • College Student – Children who are attending college and do not have a car can be insured at a reduced rate.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of insurers with the best car insurance discounts in Nevada, click here.

Honda Odyssey rates are complex

Consumers need to have an understanding of some of the elements that come into play when calculating your car insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in better car insurance rates.

  • Pay less if you’re married – Having a spouse can actually save you money on car insurance. Marriage means you’re more mature than a single person it has been statistically shown that married couples file fewer claims.
  • More miles equals more premium – The higher the mileage driven in a year the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based on their usage. Cars that are left in the garage can get a lower rate compared to those used for work or business. Having the wrong rating on your Odyssey can result in significantly higher rates. Verify your car insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.
  • Traffic citations inflate rates – A bad driving record impacts your car insurance rates tremendously. Even one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. If you have flagrant violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Lower rates come with age – Older drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers. Young drivers are known to be more careless behind the wheel therefore car insurance rates are much higher.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Bundling policies can get discounts – Most insurers will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to verify if the discount is saving money.

When should I use an insurance agent?

When choosing the right insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether or not you might need an agent’s assistance.

  • Am I covered when driving someone else’s vehicle?
  • Which companies will insure high-risk drivers?
  • Does my policy pay for OEM or aftermarket parts?
  • Is rental equipment covered for theft or damage?
  • Is my babysitter covered when using my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car Insurance through a local agent

Some people just want to buy from a local agent and that is OK! Educated insurance agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing insurance prices online is you can get better rates but still work with a licensed agent.Nevada insurance prices

After completing this short form, your information gets sent to participating agents who will give you bids for your insurance coverage. You never need to drive around because quoted prices will be sent to your email. Now that’s easy!

Choosing an provider requires more thought than just a low price. Any agent should have no problem answering these questions:

  • Can glass repairs be made at your home?
  • If your car is totalled, how to they determine the replacement cost?
  • How many years of experience in personal lines insurance coverages do they have?
  • What is the agency’s Better Business Bureau rating?
  • Are they properly licensed to sell insurance in Nevada?
  • Does the company allow you to choose your own collision repair facility?
  • How long has their agency been open?

Nevada car insurance agents come in two flavors

If you’re trying to find an insurance agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents are categorized either captive or independent (non-captive). Both do a good job, but it’s important to know the difference between them because it can impact your selection of an agent.

Agency Captives

Captive agents are contracted to one company like State Farm, Allstate and AAA. They generally cannot compare other company’s rates so keep that in mind. Captives are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers sometimes buy from captive agents primarily because of high brand loyalty and strong financial ratings.

Independent Agents

Independent agents do not work for one specific company but rather can write business with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally and that require little work on your part.

When shopping rates, we recommend you include price quotes from multiple independent agents for maximum quote selection.Most can insure with different regional companies which can be an advantage.

For a complete listing of Nevada insurance agents, visit this page.

Upon receiving satisfactory answers and a good coverage price, most likely you have located an insurance agency that meets your needs to insure your vehicles.

Switch companies and save? Really?

Consumers in Nevada get pounded daily by advertisements that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you switch your coverage to them.

How do they all claim to save you money? This is how they do it.

All companies have a preferred profile for the type of customer that earns them a profit. For instance, a preferred risk might be over the age of 50, has no tickets, and has a high credit rating. Any driver who meets those qualifications gets the lowest rates and therefore will save quite a bit of money when switching.

compare Odyssey insurance prices

Consumers who fall outside these standards must pay more money which usually ends up with business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that much money. That is how companies can truthfully advertise the way they do. This illustrates why drivers should get as many comparisons as possible. It’s not possible to predict which car insurance company will give you the biggest savings.

More consumer information in Nevada

More tips and info about car insurance is located at the Nevada Division of Insurance website. Nevada consumers can read industry bulletins, view a list of available companies, and view agent and company licensing information.

The articles below may also help you learn more about car insurance in Nevada

Best coverage at the best price

We’ve covered a lot of techniques to reduce Honda Odyssey insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small local company.

Cheap Honda Odyssey insurance is possible online in addition to many Nevada insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Drivers change insurance companies for any number of reasons including not issuing a premium refund, high rates after DUI convictions, delays in paying claims or lack of trust in their agent. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.