Are you tired of overpaying and want more affordable insurance rates in Denver, CO? Denver shoppers have options when shopping for low-cost Honda Odyssey insurance. They can either waste time driving around getting price quotes or leverage the internet to find the lowest rates.
There is a right way and a wrong way to compare insurance rates and we’ll show you the absolute fastest way to compare rates for your Honda and get the best price possible.
It’s a good idea to compare premium rates every six months due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest premium rates on Honda Odyssey insurance in Denver on your last policy the chances are good that you can find a lower price today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to use online quotes to buy cheaper Honda Odyssey insurance in Denver.
This article’s goal is to introduce you to the most effective way to quote insurance and how to save the most money. If you have insurance now, you will be able to get lower rates using the tips covered below. Consumers just have to learn the proper methods to compare different rates instantly.
Get cheaper Honda Odyssey insurance rates in Denver
The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that can drop the cost substantially. Some trigger automatically when you purchase, but some need to be manually applied prior to getting the savings.
- Defensive Driver Discount – Taking time to complete a safe driver course could cut 5% off your bill if your company offers it.
- Discount for Good Grades – A discount for being a good student may save as much as 25% on a Denver auto insurance quote. Many companies even apply the discount to college students up until you turn 25.
- Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts can save up to 15% off PIP or medical payments premium.
- Mature Driver Discount – Seniors can get a discount up to 10%.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your Denver auto insurance quote.
A little disclaimer on discounts, some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though you would think all those discounts means the company will pay you, that’s just not realistic.
Companies and some of the premium reductions they offer are:
- GEICO has savings for good student, anti-theft, defensive driver, seat belt use, and five-year accident-free.
- Mercury Insurance offers discounts including age of vehicle, multi-policy, ease of repair, annual mileage, low natural disaster claims, and anti-theft.
- Farmers Insurance may include discounts for pay in full, distant student, homeowner, youthful driver, teen driver, multi-car, and electronic funds transfer.
- Auto-Owners Insurance may offer discounts for good student, mature driver, group or association, multiple vehicles, and anti-lock brakes.
- Liberty Mutual offers discounts for newly married, newly retired, new vehicle discount, multi-policy, multi-car, and exclusive group savings.
- SAFECO policyholders can earn discounts including anti-lock brakes, safe driver, bundle discounts, accident prevention training, teen safety rewards, teen safe driver, and multi-car.
- Progressive may have discounts that include good student, multi-vehicle, homeowner, online quote discount, continuous coverage, online signing, and multi-policy.
- USAA has discounts for loyalty savings, annual mileage, multi-vehicle, family discount, defensive driver, military installation, and vehicle storage.
When quoting, ask each company or agent to apply every possible discount. Discounts may not be available in Denver. If you would like to view insurance companies with discount rates in Denver, follow this link.
The best way to compare car insurance rates for Honda Odyssey insurance in Denver is to know all the major auto insurance companies provide online access to compare their rates. The only thing you need to do is provide a small amount of information such as driver details, if it has an alarm system, an estimate of your credit level, and how much you drive. That rating information is instantly submitted to many highly-rated insurers and you will get price comparisons quickly.
To get price quotes for your Honda Odyssey now, click here then complete the form.
The providers in the list below offer free rate quotes in Colorado. If more than one company is shown, we suggest you visit as many as you can to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Odyssey LX | $204 | $388 | $396 | $24 | $118 | $1,130 | $94 |
| Odyssey EX | $166 | $380 | $396 | $24 | $118 | $1,084 | $90 |
| Odyssey EX W/Rear Entertainment | $262 | $562 | $474 | $28 | $142 | $1,468 | $122 |
| Odyssey EX-L | $186 | $416 | $474 | $28 | $142 | $1,246 | $104 |
| Odyssey EX-L W/Rear Entertainment | $302 | $662 | $474 | $28 | $142 | $1,608 | $134 |
| Odyssey EX-L W/Navigation | $234 | $556 | $396 | $24 | $118 | $1,328 | $111 |
| Odyssey Touring | $378 | $792 | $474 | $28 | $142 | $1,814 | $151 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in zip code location which can raise or lower prices noticeably.
Honda Odyssey insurance rates by age and gender
The illustration below shows the difference between Honda Odyssey insurance costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no policy discounts are applied.
Deductible comparison
The information below demonstrates how deductible levels and can change Honda Odyssey insurance costs for different categories of driver ages. The prices are based on a single male driver, full physical damage coverage, and no other discounts are factored in.
You are unique and your car insurance should be too
When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are unique to you.
For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.
- Is my trailer covered?
- Should I have combined single limit or split liability limits?
- Is pet coverage available?
- When would I need additional glass coverage?
- Can I use my car for my catering business?
- Is my Honda Odyssey covered if I use it for business?
- Do I need roadside assistance coverage?
- Is my Honda Odyssey covered for flood damage?
- Am I insured when driving a different vehicle?
- What are the liability requirements in my state?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.
Exclusive or independent insurance agents
A lot of people just want to visit with an insurance agent and that is OK! Agents are highly skilled in risk management and help in the event of a claim. The biggest benefit of getting free rate quotes online is the fact that you can find the best rates and still choose a local agent. And buying from neighborhood insurance agencies is important particularly in Denver.
Upon completion of this quick form, your coverage information is transmitted to local insurance agents that give free quotes for your coverage. You won’t even need to visit any agencies as quotes are delivered to you. If you want to get a rate quote from a specific insurance company, just search and find their rate quote page to submit a rate quote request.
If you want to buy insurance from a reputable insurance agent or broker, you should know the different agency structures to choose from. Denver agents can be categorized as either independent or exclusive depending on the company they work for. Both types can insure your vehicles, but it is important to understand the difference in the companies they write for because it can factor into the type of agent you choose.
Independent Insurance Agencies
Independent agencies often have affiliation with several companies and that is an advantage because they can write policies through many companies depending on which coverage is best. If you want to switch companies, the business is moved internally which requires no work on your part. If you are trying to find cheaper rates, you will definitely want to get rate quotes from multiple independent agents to get the most accurate price comparison. A lot of them also have access to companies that do not advertise much which can save you money.
Listed below is a partial list of independent agencies in Denver who may provide comparison quotes.
- All Insurance Agency
67 Knox Ct – Denver, CO 80219 – (303) 935-3661 – View Map - Moschetti Michael – Isu Insurance Svc Of Co
950 17th St #1000 – Denver, CO 80202 – (303) 534-2133 – View Map - American Home Insurance Agency
7505 E Harvard Ave – Denver, CO 80231 – (888) 325-8108 – View Map
Exclusive Insurance Agencies
These agents write business for a single company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They are unable to place coverage with different providers so it’s a take it or leave it situation. Exclusive agencies are trained well on the products they sell which helps them sell insurance even at higher premiums. A lot of people choose to use an exclusive agent partially due to the prominent brand name and strong financial ratings.
The following are Denver exclusive agents that are able to give comparison quotes.
- Rick Emerson Jr. – State Farm Insurance Agent
4800 Happy Canyon Rd #230 – Denver, CO 80237 – (303) 781-1133 – View Map - Austin Domsch – State Farm Insurance Agent
400 S Colorado Blvd #890 – Denver, CO 80246 – (303) 321-0895 – View Map - Val Laskowski – State Farm Insurance Agent
5353 W Dartmouth Ave #410 – Denver, CO 80227 – (303) 987-8849 – View Map
Selecting an insurance agent is decision based upon more than just the quoted price. Any agent in Denver should have no problem answering these questions:
- Is their price quote a firm figure or are their hidden costs?
- How are they compensated?
- How will an accident affect your rates?
- Who are their largest clients?
- Is every driver in your family covered?
- How does the company pay claims for a total loss?
- Does the agent recommend any additional coverage?
Learn about insurance coverages for a Honda Odyssey
Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.
Coverage for medical expenses – Med pay and PIP coverage kick in for short-term medical expenses like surgery, chiropractic care and dental work. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers – This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Honda Odyssey.
Because many people only carry the minimum required liability limits (25/50/15), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are set the same as your liability limits.
Liability auto insurance – Liability coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/15 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $15,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims such as repair costs for stationary objects, court costs, medical services and loss of income. How much coverage you buy is your choice, but consider buying as high a limit as you can afford. Colorado state law requires minimum liability limits of 25/50/15 but you should consider buying higher limits.
Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like damage from flooding, hail damage and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as crashing into a ditch, backing into a parked car, damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible on your Odyssey to get cheaper collision coverage.
Frequent quotes can save
You just read quite a bit of information on how to save on Honda Odyssey insurance in Denver. The key concept to understand is the more quotes you get, the higher your chance of finding cheaper Denver auto insurance quotes. You may even discover the lowest premium rates are with a company that doesn’t do a lot of advertising.
Low-cost Honda Odyssey insurance in Denver can be sourced online in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. Some companies may not offer the ability to get quotes online and usually these small, regional companies prefer to sell through independent insurance agents.
People who switch companies do it for a variety of reasons including delays in responding to claim requests, delays in paying claims, extreme rates for teen drivers and poor customer service. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.
Additional learning opportunities
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for Hybrid Vehicles in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance Quotes for a Toyota Camry? (FAQ)
- Teen Driving and Texting (State Farm)
- Medical Payments Coverage (Liberty Mutual)
- Teen Driving Statistics (iihs.org)
- Auto Insurance Learning Center (State Farm)