Insurance quote for Honda Odyssey in AtlantaAre you regretting the purchase of an underperforming, overpriced insurance policy? It's a common feeling and there are lots of people in the same boat.

A recent study showed that the vast majority of Georgia insurance customers have stayed with the same insurance company for at least the last four years, and 38% of customers have never compared insurance rates at all. American consumers could save approximately 47% every year by just shopping around, but they don't believe the big savings they would realize if they switched. Due to the increasing number of online and local companies to choose from, it can be challenging to choose the best company.

This information will familiarize you with how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you should be able to buy cheaper auto insurance using the ideas covered in this article. Smart buyers just need to know the proper methods to compare company rates online.

Companies offering Honda Odyssey insurance in Atlanta

The providers in the list below have been selected to offer quotes in Georgia. If multiple companies are shown, we suggest you visit two to three different companies in order to find the most competitive rates.

Honda Odyssey Insurance Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $140 $272 $444 $26 $134 $1,016 $85
Odyssey EX $128 $274 $378 $22 $114 $916 $76
Odyssey EX W/Rear Entertainment $256 $502 $402 $24 $120 $1,304 $109
Odyssey EX-L $338 $720 $394 $24 $118 $1,594 $133
Odyssey EX-L W/Rear Entertainment $182 $372 $402 $24 $120 $1,100 $92
Odyssey EX-L W/Navigation $328 $706 $402 $24 $120 $1,580 $132
Odyssey Touring $212 $380 $394 $24 $118 $1,128 $94
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate information does not factor in zip code location which can affect coverage rates substantially.

Choosing deductibles

The hardest decision when buying coverage is where to set your physical damage deductibles. The rates below highlight the rate difference when you choose different insurance deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Honda Odyssey insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $264 $420 $394 $24 $118 $1,245 $104
Odyssey EX $264 $512 $394 $24 $118 $1,337 $111
Odyssey EX W/Rear Entertainment $264 $512 $394 $24 $118 $1,337 $111
Odyssey EX-L $304 $604 $394 $24 $118 $1,469 $122
Odyssey EX-L W/Rear Entertainment $304 $604 $394 $24 $118 $1,469 $122
Odyssey EX-L W/Navigation $304 $604 $394 $24 $118 $1,469 $122
Odyssey Touring $344 $604 $394 $24 $118 $1,509 $126
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Honda Odyssey insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $164 $264 $394 $24 $118 $964 $80
Odyssey EX $164 $322 $394 $24 $118 $1,022 $85
Odyssey EX W/Rear Entertainment $164 $322 $394 $24 $118 $1,022 $85
Odyssey EX-L $188 $380 $394 $24 $118 $1,104 $92
Odyssey EX-L W/Rear Entertainment $188 $380 $394 $24 $118 $1,104 $92
Odyssey EX-L W/Navigation $188 $380 $394 $24 $118 $1,104 $92
Odyssey Touring $212 $380 $394 $24 $118 $1,128 $94
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in Atlanta location which can lower or raise premium rates greatly.

Based on this data, using a $250 deductible will cost you about $28 more each month or $336 a year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 27 months between claim filings, you would probably save some money if you elect the higher deductible.

Rate increases following a ticket or accident

The example below highlights how traffic violations and at-fault claims impact Honda Odyssey premium costs for different insured age categories. The information is based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.

Should you buy full coverage?

The diagram below illustrates the difference between Honda Odyssey auto insurance rates when comparing full coverage to state minimum liability only. The data is based on no violations or accidents, $500 deductibles, married female driver, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There is no set guideline for excluding full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let's pretend your Honda Odyssey replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $7,000 after paying the physical damage deductible. If it's costing you more than $700 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Insurance policy discounts for Honda Odyssey insurance in Atlanta

Insurance is not inexpensive, but you may find discounts that you may not even know about. Some of these discounts will be visible at the time of quoting, but some may not be applied and must be specially asked for before they will apply.Discount insurance

A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, company stockholders wouldn't be very happy.

Insurance companies that may offer quotes with some of the above discounts include:

If you need affordable Honda Odyssey insurance quotes, ask each insurance company which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders in your area. To view providers with significant discounts in Georgia, follow this link.

Smart Consumers Save Every Year

Many things are part of the equation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but other criteria are less obvious such as whether you are married and annual miles driven.

Auto insurance is unique, just like you

When it comes to proper insurance coverage, there really is not a one size fits all plan. Your financial needs are unique so your insurance needs to address that.Safe vehicles cost less to insure These are some specific questions can help discover if your situation may require specific advice.

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Compare rates but buy from a local Atlanta insurance agency

A small number of people prefer to sit down and talk to an agent and that is not a bad decision Licensed agents are highly skilled in risk management and help you file claims. An additional benefit of getting free rate quotes online is that drivers can save money and get better rates but also keep your business local. And buying from local agents is definitely important in Atlanta.

By using this short form, your insurance data is transmitted to local insurance agents in Atlanta who will gladly provide quotes for your insurance coverage. You don't have to contact any insurance agencies since rate quotes are delivered straight to your inbox. If you want to quote rates from a specific insurance company, don't hesitate to go to their quote page and fill out their quote form.

If you are wanting to purchase insurance from a local agent, there are two different agency structures and how they differ in how they quote coverages. Insurance agents in Atlanta are categorized either exclusive or independent (non-exclusive). Both can write policy coverage, but it's important to know how they differ since it can affect buying decisions.

Independent Insurance Agencies or Brokers

Agents in the independent channel can quote rates with many companies and that gives them the ability to insure with many different companies depending on which coverage is best. To move your coverage to a new company, they can switch companies in-house which makes it simple for you. When shopping rates, it's recommended you get rate quotes from a couple of independent agencies so that you can do a thorough price comparison.

Featured below are Atlanta independent insurance agencies that may be able to give you comparison quotes.

2800 Century Pkwy NE #300 - Atlanta, GA 30345 - (404) 633-4321 - View Map

1830 Water Pl #105 - Atlanta, GA 30339 - (404) 892-2864 - View Map

501 Pulliam St SW #514a - Atlanta, GA 30312 - (404) 474-6356 - View Map

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Exclusive Insurance Agents

Agents that elect to be exclusive write business for a single company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide other company's prices so they really need to provide good service. Exclusive agents are well trained on their company's products which helps offset the inability to provide other markets.

The following are exclusive insurance agencies in Atlanta willing to provide price quote information.

1544 Piedmont Ave NE #107 - Atlanta, GA 30324 - (404) 892-0101 - View Map

2240 Fairburn Rd SW - Atlanta, GA 30331 - (404) 344-9777 - View Map

3133 Maple Dr NE Ste 100 - Atlanta, GA 30305 - (404) 477-5500 - View Map

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Picking the best insurance agency shouldn't rely on just a cheap quote. These are valid questions to ask:

Affordable car insurance premiums are possible

When shopping online for car insurance, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice physical damage coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

Affordable Honda Odyssey insurance in Atlanta can be sourced on the web as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies do not offer online price quotes and many times these regional insurance providers only sell coverage through independent agents.

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