How many times have you told yourself to find lower-priced Honda Odyssey insurance in Columbia? Paying cheap coverage rates for Honda Odyssey insurance in Columbia might be difficult for drivers new to quoting coverage prices online. With literally dozens of online companies, it can easily turn into a burden to find a cheaper company.

Discount Honda Odyssey insuranceUnbelievable but true, the vast majority of consumers kept their coverage with the same insurance company for at least the last four years, and 38% of customers have never even shopped around for affordable coverage. Consumers in South Carolina could save as much as $750 every year just by shopping around, but they don't want to take the time to save money by comparing rate quotes.

Smart consumers take time to quote other rates every six months because prices fluctuate regularly. Even if you got the best rates on Honda Odyssey insurance in Columbia on your last policy the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because we're going to demonstrate how to use online quotes to find better coverage on Honda Odyssey insurance in Columbia at a better price.

The majority of larger companies such as Allstate, GEICO and Progressive allow you to get coverage prices from their websites. Comparing prices online for Honda Odyssey insurance in Columbia is pretty easy as you just enter the coverage amounts you desire on the page. After you complete the form, their rating system collects credit information and your driving record and returns pricing information.

This simplifies rate comparisons, and it is important to do this if you want to find the cheapest price on auto insurance.

To compare rates now, compare rates now from the companies shown below. If you have a policy now, it's recommended that you enter the insurance coverages identical to your current policy. This makes sure you will get an apples-to-apples comparison for exact coverage.

The companies shown below can provide free quotes in Columbia, SC. If more than one company is shown, we recommend you visit several of them in order to get a fair rate comparison.

Honda Odyssey Insurance Costs in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $158 $282 $460 $28 $138 $1,066 $89
Odyssey EX $220 $502 $444 $26 $132 $1,324 $110
Odyssey EX W/Rear Entertainment $136 $316 $444 $26 $132 $1,054 $88
Odyssey EX-L $256 $514 $348 $20 $104 $1,242 $104
Odyssey EX-L W/Rear Entertainment $156 $372 $444 $26 $132 $1,130 $94
Odyssey EX-L W/Navigation $226 $514 $386 $22 $116 $1,264 $105
Odyssey Touring $210 $330 $448 $26 $134 $1,148 $96
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Information does not factor in garaging location in Columbia which can increase or decrease premiums significantly.

Should you buy full coverage?

The example below shows the difference between Honda Odyssey car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, married male driver, and no discounts are applied.

Should you pay for full coverage or liability only?

There is no clear-cut rule to stop paying for physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.

For example, let's say your Honda Odyssey settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after you pay the deductible. If you are currently paying more than $600 annually to have full coverage, then you might consider buying liability only.

There are some circumstances where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Take these nine policy discounts and save on Honda Odyssey insurance in Columbia

Companies do not advertise every disount available in a way that's easy to find, so the list below gives a summary of both the well known and also the lesser-known discounts that may be available. If you're not getting every credit available, it's possible you qualify for a lower rate.Cheaper car insurance with discounts

As is typical with insurance, some credits don't apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. Even though it appears you can get free auto insurance, you aren't that lucky.

Large car insurance companies and some of the discounts are outlined below.

When getting a coverage quote, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier may not apply in your state. To view car insurance companies that can offer you the previously mentioned discounts in South Carolina, click here.

Insurance agents near you

Many drivers would prefer to visit with an insurance agent and doing that can be a smart decision One of the great benefits of comparing rates online is the fact that you can find lower rates and still choose a local agent.

Insurance agents in ColumbiaOnce you complete this form (opens in new window), the coverage information is emailed to local insurance agents in Columbia who will give you bids for your business. You never need to leave your house since rate quotes are delivered to you. You can find better rates AND a local agent. In the event you want to compare rates for a specific company, you can always go to their quote page to submit a rate quote request.

Picking the best insurer should depend on more than just the price. Any agent in Columbia should have no problem answering these questions:

Listed below is a short list of auto insurance companies in Columbia that may be able to provide price quotes for Honda Odyssey insurance in Columbia.

View more Columbia agents

When to get professional advice

When it comes to choosing coverage, there is no one-size-fits-all type of policy. Your needs are unique to you so your insurance should reflect thatSafe vehicles cost less to insure These are some specific questions may help you determine if your situation may require specific advice.

If you can't answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

It may be expensive, but it's not optional

Even though it's not necessarily cheap to insure a Honda in Columbia, insurance is required in South Carolina but also provides important benefits.

The benefits of having insurance more than cancel out the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $825 a year so you should quote and compare rates at every policy renewal to ensure rates are inline.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like ambulance fees, hospital visits, dental work and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the "other guys" do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Honda Odyssey.

Since a lot of drivers carry very low liability coverage limits (South Carolina limits are 25/50/25), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

This will pay to fix damage to your Odyssey resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible on your Odyssey to bring the cost down.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, hitting a deer, fire damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Liability coverages

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person's injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like medical services, attorney fees, pain and suffering, funeral expenses and emergency aid. How much coverage you buy is a personal decision, but it's cheap coverage so purchase as large an amount as possible. South Carolina requires minimum liability limits of 25/50/25 but you should consider buying more coverage.

Cheaper insurance is a realistic goal

Throughout this article, we presented some good ideas how you can shop for Honda Odyssey insurance online. It's most important to understand that the more price quotes you have, the better chance you'll have of finding affordable Honda Odyssey insurance quotes. You may even be surprised to find that the best price on insurance is with some of the smallest insurance companies. These companies may only write in your state and offer lower premium rates than their larger competitors like Allstate, GEICO and Progressive.

Some insurance companies don't offer price quotes online and many times these smaller companies provide coverage only through independent insurance agencies. Lower-priced Honda Odyssey insurance in Columbia is definitely available both online and also from your neighborhood Columbia agents, and you should be comparing both in order to have the best chance of saving money.

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