How long has it been since you compared quotes for lower-priced Honda Odyssey insurance in Henderson? Searching for cheaper insurance for a Honda Odyssey in Nevada can be a painful process, but you can use a few tricks to find lower rates. There is a better way to shop for car insurance so we're going to tell you the proper way to quote coverages for a new or used Honda and get the lowest possible price from Henderson insurance agents and online providers.
It's smart to do price comparisons as often as possible since insurance prices trend upward over time. Despite the fact that you may have had the best price on Honda Odyssey insurance in Henderson last year other companies may now be cheaper. Ignore everything you know about car insurance because we're going to show you the best methods to reduce your cost while increasing coverage.
Best companies for competitive Honda Odyssey insurance in Nevada
The providers in the list below offer free rate quotes in Nevada. If multiple providers are shown, we suggest you compare several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Odyssey EX W/Rear Entertainment||$116||$232||$318||$18||$96||$780||$65|
|Odyssey EX-L W/Rear Entertainment||$126||$306||$348||$20||$104||$904||$75|
|Odyssey EX-L W/Navigation||$176||$350||$318||$18||$96||$958||$80|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in vehicle location which can modify insurance rates greatly.
Auto insurance deductibles
The illustration below shows how choosing a deductible and can raise or lower Honda Odyssey premium costs for different age groups. Data assumes a married female driver, full coverage, and no discounts are factored in.
Driving violations and accidents
The illustration below demonstrates how speeding tickets and at-fault fender-benders can affect Honda Odyssey car insurance costs for each different age group. The premiums assume a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
Discounts can help save money on Honda Odyssey insurance in Henderson
Companies don't necessarily list every discount in a way that's easy to find, so the list below contains some of the more common as well as some of the hidden credits available to bring down your rates.
- Passenger Safety Discount - Factory air bags or automatic seat belts could see savings of 20% or more.
- Bundled Policy Discount - If you have multiple policies and insure them with the same company you could get a discount of at least 10 to 15 percent or more.
- Sign Online - Some of the larger companies will give you a small discount for signing up over the internet.
- ABS Braking Discount - Vehicles with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
- Low Mileage - Driving fewer miles can qualify you for lower car insurance rates due to less chance of an accident.
- Theft Deterrent - Cars and trucks optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
- Life Insurance - Insurance companies who offer life insurance give a discounted rate on car insurance if you buy some life insurance too.
As a sidenote, some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. Despite the appearance that you could get a free car insurance policy, car insurance companies aren't that generous.
To locate insurers that offer many of these discounts in Henderson, click here.
Do I need an agent?
Some consumers prefer to get professional advice from a licensed agent and doing so can bring peace of mind Insurance agents can help you choose the best coverages and give you someone to call. An additional benefit of getting free rate quotes online is the fact that drivers can get cheap auto insurance quotes and still buy from a local agent.
To find an agent, once you fill out this simple form, your insurance data is emailed to agents in your area that provide free Henderson car insurance quotes for your auto insurance coverage. You don't have to contact any agents due to the fact that quote results will go to the email address you provide. If for some reason you want to get a comparison quote from a specific insurance company, you would need to visit that company's website to submit a rate quote request.
Finding the right insurance company needs to be determined by more than just the quoted price. A good agent in Henderson will have answers to these questions.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they have a Better Business Bureau rating in Henderson?
- If your car is totalled, how to they determine the replacement cost?
- Are claim adjusters local or do you have to take your car somewhere else?
Do you need an independent or exclusive auto insurance agent?
When looking for a local insurance agency, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Auto insurance agencies may be either exclusive or independent. Either one can write auto insurance policies, but it is important to understand the differences since it may influence the kind of agent you use.
Exclusive agents can only provide pricing for a single company like Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. They receive a lot of sales training on their company's products and that can be a competitive advantage. Drivers often buy insurance from these agents primarily because of loyalty to the company rather than having the cheapest rates.
Shown below are Henderson exclusive agents who may provide you with rate quotes.
- Karen Wright - State Farm Insurance Agent
213 N Stephanie St f - Henderson, NV 89074 - (702) 260-9800 - View Map
- Jason Spronk - State Farm Insurance Agent
900 Wigwam Pkwy #140 - Henderson, NV 89014 - (702) 564-3380 - View Map
- Farmers Insurance: Jennifer Montisano
181 N Arroyo Grande Blvd #100 - Henderson, NV 89074 - (702) 262-5525 - View Map
Independent Agencies or Brokers
Agents that choose to be independent are not limited to a single company so they have the ability to put coverage through many companies and possibly get better coverage at lower prices. If prices rise, the business is moved internally and you don't have to do anything.
When shopping rates, you will definitely want to get rate quotes from multiple independent agents so that you can do a thorough price comparison. Most independent agents also contract with less well-known companies that may have much lower rates than larger companies.
Listed below are independent insurance agencies in Henderson that can give you comparison quotes.
- Express Auto Insurance LLC
1371 W Warm Springs Rd - Henderson, NV 89014 - (702) 907-0000 - View Map
- Nikkol Jackson Insurance Agency
701 N Green Valley Pkwy #200 - Henderson, NV 89074 - (702) 451-9799 - View Map
- Safeco Insurance
2736 Marie Antoinette St - Henderson, NV 89044 - (866) 694-9046 - View Map
Upon receiving good responses to all your questions as well as an affordable premium quote, chances are good that you have found a car insurance agent that is professional and can provide auto insurance coverage. Just remember once you purchase a policy you can terminate coverage whenever you choose to so never assume that you are obligated to a policy for a certain time period.
Don't be fooled by advertising claims
Nevada consumers can't avoid all the ads for the lowest price car insurance by companies like GEICO, State Farm and Progressive. They all advertise claims about saving some big amount after switching your car insurance coverage to their company.
It sounds good, but how can they all have lower policy pricing? It's all in how they say it.
All the different companies quote their best rates for the type of insured that will generate a profit. One example of a profitable insured may need to be over age 30, is a homeowner, and has excellent credit. Any customer that hits that "sweet spot" will probably get cheap premium rates and will also save a lot on Henderson Honda Odyssey insurance if they switch.
Drivers who may not quite match those standards will be quoted higher prices and this results in the customer buying from someone else. If you pay attention, the ads say "drivers who switch" not "everyone that quotes" will save that much if they switch. That is how companies can claim big savings. Each company has different criteria, so it's extremely important to compare quotes as often as possible. Because you never know the company that will be your best fit.
Drivers leave their current company for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, an unsatisfactory settlement offer or even high rates after DUI convictions. No matter why you want to switch, switching companies is not as difficult as it may seem.
Cheap Honda Odyssey insurance in Henderson is definitely available on the web and also from your neighborhood Henderson agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and these small, regional companies provide coverage only through independent agencies.
When trying to cut insurance costs, make sure you don't reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.
Even more information is available at these sites:
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Auto Insurance Rates for Drivers Over Age 70 in Nevada? (FAQ)
- Who Has Affordable Nevada Auto Insurance Rates for a Ford Fusion? (FAQ)
- How Much is Nevada Auto Insurance for Low Mileage Drivers? (FAQ)
- What Car Insurance is Cheapest in Spanish Springs, Nevada? (FAQ)
- Who Has the Cheapest Car Insurance for 19 Year Olds in Nevada? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Auto Insurance Basics (Insurance Information Institute)