Cheapest Insurance for a Honda Odyssey in Kansas City

Are you doing reasearch to find the cheapest car insurance rates in Kansas City, MO? Kansas City consumers have lots of choices when looking for low-cost Honda Odyssey insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to compare rates. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the quickest way to get price quotes on a Honda and locate the cheapest rates.

If you have a policy now or just want a better rate, you can follow these tips to shop for the lowest rates and still have adequate protection. Our goal in writing this article tell you how car insurance companies work and how to save the most money. Consumers only have to learn the tricks to shop for car insurance using one simple form.

Compare Kansas City Honda Odyssey insurance price quotes online

Cutting your Kansas City insurance rates can be relatively painless. Consumers just need to spend a few minutes on the computer comparing rate quotes to find out which insurance company has cheaper Kansas City auto insurance quotes.

The companies shown below are our best choices to provide comparison quotes in Missouri. To locate the best auto insurance in Kansas City, MO, it’s a good idea that you visit as many as you can to get the cheapest price.

Detailed insurance information

The information shown next showcases a range of insurance prices for Honda Odyssey models. Understanding more about how insurance rates are determined can be useful when making smart choices when purchasing an insurance policy.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can lower or raise premium rates considerably.

An analysis of deductible level

One of the most common insurance questions is at what level do you set your deductibles. The data tables below outline the rate difference when you choose different coverage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in garaging location in Kansas City which can lower or raise prices considerably.

Using the data above, we can ascertain that using a $250 deductible costs about $11 more each month or $132 for a full year averaged for all Odyssey models than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claims, you would more than likely save some money if you choose a higher deductible.

The illustration below highlights how deductible choice and can influence Honda Odyssey yearly insurance costs for different categories of driver ages. The costs are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Auto insurance does more than just protect your car

Despite the high insurance cost for a Honda Odyssey in Kansas City, maintaining insurance is required in Missouri but also provides important benefits.

• Almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability insurance if you drive a vehicle. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your Honda, most lenders will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may insure your Honda at a more expensive rate and require you to pay the higher premium.
• Auto insurance protects both your vehicle and your personal assets. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you have damage to your Honda as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of buying auto insurance definitely exceed the price paid, particularly for liability claims. On average, a vehicle owner in Kansas City is wasting up to $810 a year so compare rate quotes at every renewal to ensure rates are competitive.

The Honda Odyssey Insurance Premium Equation

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that are used to determine the price you pay for auto insurance. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower rates. Lots of factors are considered when pricing auto insurance. Some factors are common sense like a motor vehicle report, but other factors are not as apparent such as your credit history or your vehicle rating.

• Premiums are affected by your credit score – Having a bad credit rating is likely to be a major factor in determining premium rates. Insureds that have high credit ratings tend to file fewer claims than those with lower credit scores. So if your credit history could use some work, you could potentially save money when insuring your Honda Odyssey by improving your credit score.
• Don’t buy incidental coverages that aren’t used – There are many additional coverages you can purchase on your auto insurance policy. Coverage for things like personal injury protection, better glass coverage, and extra life insurance coverage could be just wasting money. You may think they are a good idea when talking to your agent, but if you have no use for them think about removing them and cutting costs.
• Liability protection limits on your policy – Liability coverage will provide protection if ever you are found to be at fault for damages caused by your negligence. This coverage provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

• Obey driving laws and save – Getting just one speeding ticket or other violation can increase the cost of insurance by twenty percent. Attentive drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have gotten dangerous citations such as DUI or reckless driving may face state-mandated requirements to file a SR-22 with their state DMV in order to continue driving.

  The information below highlights how speeding tickets and at-fault claims can impact Honda Odyssey car insurance rates for different age categories. The premiums are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

• Raise physical damage deductibles and save – Physical damage deductibles represent how much money you are required to spend before your auto insurance pays a claim. Protection for physical damage, also known as collision and other-than-collision, protects your car from damage. Some coverage claims would be rear-ending another vehicle, fire damage, or theft of your vehicle. The more the insured has to pay upfront, the bigger discount you will receive.
• Lower rates with a multi-policy discount – Lots of companies afford better rates to buyers who have multiple policies with them in the form of a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even if you already get this discount, it’s in your best interest to comparison shop to verify if the discount is saving money.

• Insurance loss data for a Honda Odyssey – Insurers analyze past claim statistics to help calculate a profitable premium price. Models that the data shows to have higher prevalence or dollar amount of losses will have higher rates.

  The table below outlines the collected loss data for Honda Odyssey vehicles. For each policy coverage, the statistical loss for all vehicles, regardless of manufacturer or model, equals 100. Percentage values below 100 indicate better than average losses, while values over 100 indicate more frequent claims or tendency to have higher losses.

  
  

  Car Insurance Loss Data for Honda Odyssey Models

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Honda Odyssey	78	83	75	82	78	71

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

In the end, you can save money

In this article, we covered many ways to get a better price on Honda Odyssey insurance in Kansas City. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the lowest auto insurance rates come from a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. In many cases, an accident victim reduced collision coverage and discovered at claim time that it was a big mistake. Your objective should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

Insureds change insurance companies for a variety of reasons including denial of a claim, lack of trust in their agent, not issuing a premium refund or even extreme rates for teen drivers. No matter why you want to switch, choosing a new company can be less work than you think.

How to find the cheapest rates for Honda Odyssey insurance in Kansas City

The best way to find affordable quotes for auto insurance rates in Kansas City is to start comparing rates regularly from insurers in Missouri.

• First, spend a few minutes and learn about how car insurance works and the steps you can take to keep rates low. Many risk factors that increase rates such as traffic citations, accidents, and a low credit score can be rectified by being financially responsible and driving safely.
• Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can give you price quotes from multiple sources. View rates
• Third, compare the new rate quotes to your existing coverage to see if a cheaper rate is available in Kansas City. If you find a lower rate, make sure coverage is continuous and does not lapse.
• Fourth, give notification to your agent or company of your intent to cancel your current coverage and submit the completed application along with a down payment to your new insurance company. Once coverage is bound, keep your new certificate verifying proof of insurance with your vehicle’s registration.

The critical component of shopping around is to make sure you enter the same deductibles and limits on every quote request and and to get rates from as many companies as possible. This provides a fair rate comparison and the most accurate and complete price analysis.

To learn more, link through to the resources below:

• Older Driver Statistics (Insurance Information Institute)
• How Much are Kansas City Car Insurance Quotes for Veterans? (FAQ)
• Vehicle Size and Weight FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Auto Insurance 101 (About.com)