Auto Insurance Rate Quotes for a Honda Odyssey in Corpus Christi

Everyone knows that insurance companies don’t want you to look for a cheaper policy. People who shop around for cheaper prices will probably buy a different policy because of the good chance of finding a cheaper policy. Surprisingly, a recent survey revealed that drivers who compared rates annually saved an average of $865 annually as compared to drivers who never compared rates.

If finding the cheapest price on Honda Odyssey insurance in Corpus Christi is the reason you’re reading this, then learning about the best way to compare coverage rates can help make the process easier and more efficient.

The easiest way to get cheaper auto insurance rates is to make a habit of comparing prices annually from insurance carriers who can sell car insurance in Corpus Christi.

First, take a few minutes and learn about coverages and the things you can control to prevent high rates. Many rating criteria that increase rates such as careless driving and a negative credit history can be remedied by making minor changes in your lifestyle.

Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Allstate, while independent agencies can give you price quotes from many different companies.

Third, compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find a better price and change companies, make sure there is no lapse in coverage.

Fourth, tell your current company to cancel your current auto insurance policy and submit a completed policy application and payment to your new insurance company. When you receive it, keep your new certificate verifying proof of insurance along with your vehicle registration.

A tip to remember is to try to compare the same coverage limits and deductibles on every price quote and and to get rates from as many companies as feasibly possible. This helps ensure the most accurate price comparison and the best rate selection.

Best Honda Odyssey insurance rate quotes in Texas

The companies shown below are our best choices to provide price comparisons in Texas. In order to find cheaper auto insurance in TX, we recommend you visit as many as you can to get the best price comparison.

Rates and other information

The premium table shown next showcases estimates of prices for Honda Odyssey models. Having a good understanding how insurance quotes are calculated is important to be able to make decisions when choosing a new policy provider.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in specific location information which can modify rates considerably.

Choosing deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparisons below can help illustrate the differences in price of buying low and high comp and collision deductibles. The first rate quote example uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in specific Corpus Christi garaging location which can increase or decrease prices significantly.

Based on this data, using a $100 deductible costs about $39 more each month or $468 for a full year across all Honda Odyssey models than choosing the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 23 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Safe drivers pay cheaper rates

The chart below highlights how traffic violations and fender-benders can raise Honda Odyssey annual premium costs for different insured age categories. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Gender-based car insurance rates by age

The diagram below shows the comparison of Honda Odyssey insurance premiums for male and female drivers. The data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Honda Odyssey liability-only versus full coverage

The illustration below illustrates the comparison of Honda Odyssey insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The premiums are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There is no definitive rule of when to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Honda Odyssey settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $4,000 after paying your deductible. If premium cost is more than $400 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where dropping full coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Cheaper Honda Odyssey insurance in Corpus Christi

Insuring your fleet can be pricey, but there could be available discounts that many consumers don’t even know exist. Certain discounts will be applied when you purchase, but some need to be specifically requested prior to receiving the credit.

• Pay Upfront and Save – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
• ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems prevent accidents and the ABS can save up to 10%.
• Club Memberships – Joining specific professional or occupational memberships or organizations can get you a small discount when getting a Corpus Christi auto insurance quote.
• Driver Safety – Completing a driver safety course may get you a small discount if you qualify.
• Fewer Miles Equal More Savings – Driving fewer miles can qualify you for slightly better rates than normal.
• No Claim Discounts – Drivers with accident-free driving histories can earn big discounts when compared with accident-prone drivers.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it appears having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The diagram below shows the comparison of Honda Odyssey auto insurance costs with and without discounts applied. The data assumes a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, multi-policy, claim-free, and marriage discounts applied.

A list of insurance companies and a selection of discounts can be read below.

• State Farm may include discounts for accident-free, student away at school, passive restraint, Drive Safe & Save, good student, driver’s education, and anti-theft.
• Nationwide has savings for Farm Bureau membership, family plan, accident-free, anti-theft, easy pay, good student, and defensive driving.
• GEICO policyholders can earn discounts including anti-theft, emergency military deployment, federal employee, anti-lock brakes, multi-policy, multi-vehicle, and membership and employees.
• AAA offers discounts for anti-theft, education and occupation, pay-in-full, multi-policy, good driver, and multi-car.
• 21st Century may offer discounts for theft prevention, 55 and older, teen driver, automatic seat belts, and air bags.
• The Hartford includes discounts for vehicle fuel type, driver training, bundle, defensive driver, good student, and anti-theft.

Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above may not be available in every state. To locate companies with the best Honda Odyssey insurance discounts in Corpus Christi, click this link.

When should I contact an insurance agent?

A small number of people still like to visit with an insurance agent and that is just fine! A good thing about comparing rates online is that drivers can save money and get the best rates and still have an agent to talk to. Putting coverage with local agencies is especially important in Corpus Christi.

After filling out this form (opens in new window), the coverage information is submitted to agents in your area who will gladly provide quotes for your insurance coverage. It’s much easier because you don’t need to search for any insurance agencies as quotes are delivered to you instantly. You can most likely find cheaper rates and work with a local agent. If you want to get a rate quote from a particular provider, feel free to search and find their rate quote page to submit a rate quote request.

If you would like to find a reliable insurance agent, it’s helpful to know the different agency structures that differ in how they can insure your vehicles. Insurance agencies can be described as either exclusive or independent.

Independent Insurance Agencies or Brokers

These type of agents are not restricted to one company so they can quote policies with an assortment of companies and potentially find a lower price. If your premiums go up, they simply move the coverage in-house and you stay with the same agent.

If you are trying to find cheaper rates, you need to compare quotes from several independent insurance agents so that you have a good selection of quotes to compare.

The following are Corpus Christi independent insurance agencies who may be able to give you free rate quotes.

View more agents

Exclusive Insurance Agencies

Exclusive agents have only one company to place business with and examples are Farmers Insurance and State Farm. Exclusive agents cannot shop your coverage around so it’s a take it or leave it situation. Exclusive agents are very knowledgeable on their company’s products which aids in selling service over price.

Listed below is a short list of exclusive insurance agents in Corpus Christi willing to provide rate quotes.

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Picking an insurance agent shouldn’t rely on just a cheap price quote. You should also get answers to these questions.

• Does the agent have a valid license to sell insurance in Texas?
• Will a damage claim use OEM or aftermarket replacement parts?
• Is there any savings for paying the full premium?
• Do they have a Better Business Bureau rating in Corpus Christi?
• If you raise deductibles, how much can you save?
• How many companies do they write for?
• Do they feel the quoted coverages are adequate?

After you get acceptable answers to any questions you may have as well as a affordable price, it’s a good possibility that you have found an insurance agent that is professional and can properly insure your vehicles. It’s important to know that you are entitled to cancel your coverage when you choose so don’t feel that you are obligated to the insurance policy for a certain time period.

Ratings for Texas auto insurance companies

Finding the highest-rated auto insurance provider is difficult considering how many companies there are to choose from in Texas. The company rank data in the lists below could help you decide which car insurance companies you want to consider purchasing coverage from.

Top 10 Corpus Christi Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Auto insurance coverages

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills such as rehabilitation expenses, hospital visits and ambulance fees. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, backing into a parked car, sideswiping another vehicle, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible on your Odyssey to bring the cost down.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Honda Odyssey.

Due to the fact that many Texas drivers only carry the minimum required liability limits (which is 30/60/25), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – This protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 30/60/25 which means a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, repair costs for stationary objects, medical services, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry more liability than the minimum.

The chart below shows why buying minimum limits may not be high enough to cover claims.

Affordable insurance rates are out there

We just showed you some good ideas how to lower your Honda Odyssey insurance prices in Corpus Christi. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the lowest prices are with the least-expected company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

When shopping online for insurance, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. The goal is to find the BEST coverage at the best cost and still be able to protect your assets.

More learning opportunities

• Booster Seat Ratings (iihs.org)
• Who Has Affordable Corpus Christi Car Insurance Rates for College Graduates? (FAQ)
• Who Has Affordable Car Insurance Quotes for a Chevrolet Equinox in Corpus Christi? (FAQ)
• How Much are Auto Insurance Quotes for a Learners Permit in Corpus Christi? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Think You’re a Safe Driver? (State Farm)
• Child Safety FAQ (iihs.org)