Car owners who are new to the process of comparing insurance coverage rates online can find buying cheaper Odyssey insurance is very challenging.
Sadly, over 70% of consumers have purchased from the same company for well over three years, and nearly the majority have never even compared rates from other companies. Kansas drivers could cut their rates by roughly 55% a year by just shopping around, but most just don't grasp the large savings they would see if they moved their coverage to a different company.
When comparing auto insurance rates, know that quoting more increases the chance that you will find more affordable rates. Some smaller insurers do not give online Overland Park Odyssey insurance quotes, so it's necessary to compare quotes from them, too.
The following companies provide comparison quotes in Kansas. If more than one company is shown, we suggest you visit as many as you can in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Odyssey EX W/Rear Entertainment||$186||$422||$372||$22||$112||$1,114||$93|
|Odyssey EX-L W/Rear Entertainment||$118||$284||$324||$20||$96||$842||$70|
|Odyssey EX-L W/Navigation||$118||$270||$300||$18||$90||$796||$66|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific location which can alter coverage rates noticeably.
Honda Odyssey insurance costs by gender and age
The example below compares Honda Odyssey insurance premiums for male and female drivers. The rate quotes are based on no claims, a clean driving record, full coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Get cheaper Honda Odyssey insurance in Overland Park with discounts
Companies that sell car insurance don't always advertise all possible discounts in an easy-to-find place, so the list below details some of the more common and the more hidden credits available to you.
- Discounts for Responsible Drivers - Drivers without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
- More Vehicles More Savings - Purchasing coverage when you have multiple cars with the same company can reduce rates for all insured vehicles.
- Federal Government Employee - Active or retired federal employment may reduce rates when you quote Overland Park car insurance with select insurance companies.
- No Claim Discounts - Insureds who avoid accidents and claims can save substantially as opposed to frequent claim filers.
- Accident Forgiveness Coverage - Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a certain period of time.
It's important to note that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, it's just not the way it works.
To locate providers that provide some of the discounts listed above in Overland Park, click this link.
You Can Change Your Insurance Premiums
Many things are part of the equation when quoting car insurance. Some of the criteria are obvious like your driving record, but some are more transparent like where you live or how financially stable you are. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help calculate your car insurance rates. When you know what positively or negatively determines base rates, this allows you to make educated decisions that will entitle you to lower premium levels.
You might want pay the inexpensive policy claims yourself - If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Auto insurance companies in Kansas give the lowest premiums to policyholders who are not frequent claim filers. Your insurance policy is intended for the large, substantial claims.
Experienced drivers are lower risk - Older insureds are viewed as being more responsible, tend to file fewer claims, and are generally more financially stable.Teen drivers have been known to be inattentive when behind the wheel so car insurance rates are higher.
Deter theft and save money - Selecting a car model that has a built-in theft deterrent system can get you a discount on your car insurance. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your vehicle from being stolen.
Safer occupants lowers prices - Cars with five star safety ratings tend to have better insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and better occupant protection means lower claim amounts which can result in lower premiums.
Get married and get better costs - Having a spouse may cut your premiums on car insurance. Marriage is viewed as being more stable financially and it's proven that married drivers get in fewer accidents.
Honda Odyssey insurance claim data - Insurance companies include the past claim trends for vehicles in order to profitably underwrite each model. Vehicles that the data shows to have higher claim frequency or loss amount will be charged more to insure. The information below illustrates the insurance loss data used by companies for Honda Odyssey vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, regardless of make or model, is equal to 100. Numbers below 100 suggest a better than average loss history, while percentage values above 100 point to more claims or statistically larger claims.
Honda Odyssey Insurance Loss Statistics
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics from IIHS.org for 2013-2015 Model Years
Neighborhood Overland Park auto insurance agents
A lot of people just want to get advice from a local agent and doing that can be a smart decision The best thing about getting free rate quotes online is that you can find cheap rate quotes and still choose a local agent.
By using this simple form, your insurance data is transmitted to participating agents in Overland Park who will gladly provide quotes to get your business. You don't have to search for an agent since rate quotes are delivered to you directly. You can find the lowest rates and a licensed agent to work with. If you wish to get a comparison quote from a particular provider, don't hesitate to visit that company's website and fill out the quote form the provide.
Choosing an provider requires you to look at more than just a cheap price. These are valid questions to ask:
- Do they prorate repair cost based on vehicle mileage?
- Are claims handled at the agent's location?
- If they are an independent agency in Overland Park, which companies do they recommend?
- What discounts might you be missing?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is there any savings for paying the full premium?
If you prefer to buy insurance from a good insurance agency, there are a couple of types of insurance agents and how they are distinctly different. Overland Park agents can be categorized as either exclusive agents or independent agents.
Exclusive Insurance Agents
Exclusive insurance agents are contracted to one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to compare rates from other companies so you need to shop around if the rates are high. These agents receive a lot of sales training on the products they sell which aids in selling service over price. Consumers often use the same agent partially due to the prominent brand name and solid financial strength.
Listed below is a short list of exclusive insurance agents in Overland Park who can help you get rate quotes.
- Greg Egan - State Farm Insurance Agent
11128 Antioch Rd - Overland Park, KS 66210 - (913) 599-3500 - View Map
- American Family Insurance - Marc Green Agency Inc.
10404 Metcalf Ave - Overland Park, KS 66212 - (913) 649-2002 - View Map
- Allstate Insurance: Jason M. Park
6330 College Blvd - Overland Park, KS 66211 - (913) 491-5090 - View Map
Independent Insurance Agents
Agents that choose to be independent often have affiliation with several companies so they can quote policies with a variety of different insurance companies and help determine which has the cheapest rates. If they quote lower rates, your policy is moved internally and that require little work on your part. When comparing rates, we highly recommend that you include price quotes from a few independent agents in order to compare the most rates. Most also have access to mutual insurance companies that many times have cheaper rates.
The following are Overland Park independent insurance agencies who can help you get price quotes.
- Johnson County Insurance
8249 W 95th St #101 - Overland Park, KS 66212 - (913) 381-8400 - View Map
- Brier Payne Meade Insurance
8717 W 110th St #420 - Overland Park, KS 66210 - (913) 402-9576 - View Map
- PlatinumOne Insurance Agency
4400 W 109th St - Overland Park, KS 66211 - (913) 451-4800 - View Map
Quote. Compare. Save.
Consumers change insurance companies for a number of reasons such as lack of trust in their agent, not issuing a premium refund, an unsatisfactory settlement offer or even high prices. It doesn't matter what your reason, finding a new company is less work than it seems.
Budget-conscious Honda Odyssey insurance can be bought both online in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. A few companies may not provide price quotes online and these small, regional companies only sell coverage through independent insurance agents.
As you prepare to switch companies, it's not a good idea to skimp on coverage in order to save money. In too many instances, an insured cut collision coverage and found out when filing a claim that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.
Additional learning opportunities
- What is Full Coverage? (Allstate)
- Who Has Affordable Car Insurance Rates for a Nissan Altima in Kansas? (FAQ)
- Who Has Cheap Auto Insurance Rates in Kansas? (FAQ)
- Who Has Cheap Car Insurance Rates for Seniors in Kansas? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- What is Covered by GAP Insurance? (Allstate)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Child Safety FAQ (iihs.org)