Car Insurance Rate Quotes for a Honda Odyssey in Oakland

Discount Honda Odyssey insuranceEveryone knows that insurance companies don’t want you quoting rates from other companies. Drivers who perform rate comparisons will, in all likelihood, switch to a new company because there is a significant possibility of finding a more affordable policy. A recent car insurance study discovered that consumers who routinely shopped around saved an average of $3,500 over four years compared to policyholders who never compared prices.

If finding the best rates on Honda Odyssey insurance in Oakland is your ultimate objective, then learning a little about how to choose a company and compare insurance premiums can make it simple to find affordable coverage.

Truthfully, the best way to get affordable auto insurance rates in Oakland is to start comparing prices regularly from insurance carriers in California.

  1. Learn about individual coverages and the things you can control to drop your rates. Many rating factors that cause rate increases such as accidents, traffic tickets, and a low credit score can be rectified by making minor driving habit or lifestyle changes. Read the full article for ideas to help keep rates affordable and find overlooked discounts.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers. Compare rates
  3. Compare the new rates to your current policy premium to see if a cheaper price is available in Oakland. If you can save some money and make a switch, ensure coverage does not lapse between policies.
  4. Provide notification to your current company of your intention to cancel your existing policy and submit a down payment along with a completed application to the newly selected company. When you receive it, store the proof of insurance paperwork somewhere easily accessible.

An essential thing to point out is to try to use identical deductibles and limits on each price quote and and to look at as many auto insurance providers as possible. This enables an apples-to-apples comparison and a complete rate analysis.

Many insurance companies like State Farm, Allstate and GEICO allow consumers to get prices for coverage online. Getting quotes for Honda Odyssey insurance in Oakland is possible for anyone because you just enter your personal and coverage information as requested by the quote form. Once you submit the form, their quoting system automatically retrieves your driving and credit reports and returns a price quote based on the data you entered.

This makes it easy to compare insurance prices and it’s also necessary to compare as many rates as possible if you are searching for the most affordable possible premiums on insurance.

To find out what other companies charge, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended that you enter deductibles and limits as close as possible to your current policy. This helps ensure you will be getting a fair comparison for exact coverage.

The companies shown below are our best choices to provide comparison quotes in Oakland, CA. If you want the best cheap car insurance in Oakland, it’s highly recommended you compare several of them in order to find the cheapest rates.

Auto insurance is not optional but you don’t have to overpay

Despite the high cost of buying insurance for a Honda Odyssey in Oakland, insurance is mandatory in California but it also protects more than you think.

The benefits of buying auto insurance outweigh the cost, particularly for liability claims. The average driver in California is overpaying more than $700 annually so smart consumers compare quotes once a year at a minimum to help ensure money is not being wasted.

Rates and detailed analysis

The premium information below covers estimates of insurance policy prices for Honda Odyssey models. Being more informed about how rates are established can help customers make smart choices when selecting a policy.

Honda Odyssey Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $256 $468 $416 $24 $124 $1,288 $107
Odyssey EX $256 $570 $416 $24 $124 $1,390 $116
Odyssey EX W/Rear Entertainment $256 $570 $416 $24 $124 $1,390 $116
Odyssey EX-L $292 $672 $416 $24 $124 $1,528 $127
Odyssey EX-L W/Rear Entertainment $292 $672 $416 $24 $124 $1,528 $127
Odyssey EX-L W/Navigation $292 $672 $416 $24 $124 $1,528 $127
Odyssey Touring $330 $672 $416 $24 $124 $1,566 $131
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific location information which can impact price quotes noticeably.

Choosing deductibles

One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The comparisons below may aid in understanding the differences in price when you buy lower versus higher comp and collision deductibles. The first rate table uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Honda Odyssey insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $332 $564 $442 $26 $132 $1,521 $127
Odyssey EX $332 $686 $442 $26 $132 $1,643 $137
Odyssey EX W/Rear Entertainment $332 $686 $442 $26 $132 $1,643 $137
Odyssey EX-L $380 $810 $442 $26 $132 $1,815 $151
Odyssey EX-L W/Rear Entertainment $380 $810 $442 $26 $132 $1,815 $151
Odyssey EX-L W/Navigation $380 $810 $442 $26 $132 $1,815 $151
Odyssey Touring $430 $810 $442 $26 $132 $1,865 $155
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Honda Odyssey insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $184 $298 $442 $26 $132 $1,082 $90
Odyssey EX $184 $362 $442 $26 $132 $1,146 $96
Odyssey EX W/Rear Entertainment $184 $362 $442 $26 $132 $1,146 $96
Odyssey EX-L $210 $426 $442 $26 $132 $1,236 $103
Odyssey EX-L W/Rear Entertainment $210 $426 $442 $26 $132 $1,236 $103
Odyssey EX-L W/Navigation $210 $426 $442 $26 $132 $1,236 $103
Odyssey Touring $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rates do not factor in specific zip code location which can change price quotes substantially.

Based on the above data, using a $100 deductible costs roughly $45 more each month or $540 annually averaged for all Odyssey models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 20 months between claims, you would save more money if you choose the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $144
Average monthly premium for $1,000 deductibles (subtract): – $99
Monthly savings from raising deductible: $45
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $45
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

Irresponsible driving raises your rates

The chart below demonstrates how speeding tickets and at-fault claims can influence Honda Odyssey car insurance rates for different insured age categories. The rate quotes are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Earn discounts on Oakland auto insurance

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Some discounts will apply at the time of quoting, but occasionally some discounts must be asked for before you get the savings. If you don’t get every credit possible, you’re paying more than you need to.Discount auto insurance

As a sidenote, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride.

The illustration below visualizes the comparison of Honda Odyssey auto insurance rates with and without discounts being applied to the rates. The data assumes a female driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, safe-driver, claim-free, and homeowner discounts applied.

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

If you want affordable Honda Odyssey insurance quotes, ask each company how you can save money. Some discounts listed above may not be available in Oakland. To choose insurance companies with discount rates in California, click this link.

What if I want to buy from local Oakland insurance agents?

Many people would rather get professional advice from a licensed agent. The best thing about comparing insurance prices online is you can get the best rates and still choose a local agent. Buying insurance from neighborhood insurance agencies is important especially in Oakland.

Oakland insurance agentsUpon completion of this quick form, your insurance data is immediately sent to insurance agents in Oakland who want to provide quotes for your business. You never need to find an agent because quoted prices will be sent directly to you. You can find lower rates without a big time investment. If for some reason you want to get a rate quote for a specific company, you can always visit that company’s website and fill out their quote form.

Choose the right auto insurance agent

When looking for a good insurance agency, you should know the types of agencies and how they are slightly different. Auto insurance agents may be either independent agents or exclusive agents depending on their employer.

Independent Agents (or Brokers)

Independent insurance agents often have affiliation with several companies and that allows them to write policies with lots of companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent.

When comparing rate quotes, you definitely need to check rates from several independent insurance agents for maximum quote selection. Many independent agencies also insure through smaller mutual companies which may provide better rates.

The following are independent insurance agencies in Oakland that may be able to give you competitive price quotes.

More Oakland agents

Exclusive Auto Insurance Agents

Exclusive insurance agents can only write with one company and some examples include American Family, State Farm, and Allstate. These agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents are trained well on the products they sell and that can be a competitive advantage. Some insured continue to choose to use an exclusive agent primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.

Shown below are exclusive agencies in Oakland that can give you rate quotes.

More Oakland agents

Finding a good auto insurance agent shouldn’t rely on just the price. The following questions are important to ask.

How do I know if I need professional advice?

Always remember that when buying adequate coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that.Higher deductibles save money
Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

How to find a good Oakland auto insurance company

Finding a highly-rated company can be challenging considering how many companies are available to choose from in California. The company rank data below may help you pick which companies to look at putting your business with.

Best Auto Insurance Companies in Oakland
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

More comparisons equals cheaper rates

Cheap Honda Odyssey insurance in Oakland can be found on the web in addition to many Oakland insurance agents, and you need to price shop both to have the best rate selection. A few companies may not provide the ability to get a quote online and these small, regional companies work with independent agencies.

You just learned some good ideas how to save on Honda Odyssey insurance in Oakland. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

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