Car Insurance Quotes for a Honda Odyssey in Bakersfield

The easiest way to get the cheapest auto insurance rates in Bakersfield is to compare prices once a year from insurance carriers who provide auto insurance in California. You can shop around by completing these steps.

1. Read and learn about how companies price auto insurance and the changes you can make to prevent rate increases. Many factors that drive up the price such as speeding and an imperfect credit score can be eliminated by improving your driving habits or financial responsibility.
2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while independent agencies can quote rates for many different companies.
3. Compare the price quotes to your existing coverage to see if switching to a new carrier will save money. If you can save money and change companies, make sure there is no lapse in coverage.
4. Tell your current company of your intent to cancel your current policy and submit payment along with a signed and completed policy application to the newly selected company. Once the paperwork is finalized, keep your new proof of insurance certificate in a readily accessible location in your vehicle.

A good tip to remember is to try to compare the same amount of coverage on every quote request and and to get price quotes from as many different insurance providers as possible. Doing this enables an accurate price comparison and the best price selection.

It’s astonishing, but the vast majority of auto insurance customers in California renewed their policy with the same company for more than four years, and virtually 40% of consumers have never compared auto insurance rates at all. Many drivers in the U.S. can cut their rates by $850 a year by just comparing rate quotes, but they don’t know the large savings they would see if they just switched companies.

Buying the cheapest insurance in Bakersfield can really be easy if you know what you’re doing. If you have coverage now, you stand a good chance to be able to cut your premiums using the ideas you’re about to read. Nevertheless, California consumers must understand how companies market insurance on the web because it varies considerably.

Most companies provide coverage price quotes online. Doing online quotes for Honda Odyssey insurance in Bakersfield doesn’t take much effort as you just enter the amount of coverage you want on the page. Behind the scenes, their quoting system pulls reports for credit and driving violations and provides a quote based on the information you submitted.

Using the web to get rate quotes for Honda Odyssey insurance in Bakersfield helps simplify price comparisons, and it’s also necessary to get many rate quotes if you are searching for cheap prices.

To save time and compare pricing, compare rates now from the companies shown below. If you currently have coverage, we recommend you copy the coverages identical to your current policy. Doing this assures you will receive comparison quotes for exact coverage.

The providers in the list below are ready to provide free rate quotes in California. If more than one company is shown, it’s highly recommended you visit several of them to get a more complete price comparison.

You may qualify for discounts for Honda Odyssey insurance in Bakersfield

Some providers don’t list the complete list of policy discounts very well, so we break down both well-publicized and also the more inconspicuous discounts you could be receiving when you buy Bakersfield auto insurance online. If you aren’t receiving every discount possible, you are throwing money away.

• Distant Student – Kids who are enrolled in a college that is more than 100 miles from Bakersfield and leave their car at home could get you a discount.
• Accident-Free Discounts – Insureds with no claims or accidents pay less as opposed to drivers with a long claim history.
• Life Insurance Discount – Insurance companies who offer life insurance give a lower car insurance rate if you buy a life policy as well.
• Low Mileage – Fewer annual miles on your Honda could qualify for cheaper rates.
• Save over 55 – Seniors could receive lower premium rates.
• Sign Online – A handful of larger companies provide a small discount shop Bakersfield auto insurance over the internet.
• Policy Bundle Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you could earn a discount of up to 20% off your total Odyssey insurance premium.
• Buy New and Save – Adding a new car to your policy can save up to 30% because new vehicles are generally safer.
• Good Driver Discount – Drivers without accidents may receive a discount up to 45% compared to accident prone drivers.
• Accident Waiver – This one isn’t a discount, but companies like GEICO, State Farm, and Progressive allow you one accident without getting socked with a rate hike if you have no claims before the accident.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, nobody gets a free ride.

The information below shows the difference between Honda Odyssey car insurance costs with and without discounts applied. The premiums assume a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, homeowner, multi-car, and claim-free discounts applied.

A few popular companies and the discounts they provide can be read below.

• Farmers Insurance has savings for bundle discounts, homeowner, alternative fuel, pay in full, multi-car, electronic funds transfer, and teen driver.
• Esurance may include discounts for online shopper, Switch & Save, good driver, good student, multi-car, emergency road assistance, and online quote.
• State Farm policyholders can earn discounts including passive restraint, good driver, student away at school, driver’s education, and defensive driving training.
• GEICO may have discounts that include anti-theft, good student, membership and employees, defensive driver, multi-vehicle, and multi-policy.
• Allstate has discounts for premier plus, safe driver, multi-policy, anti-lock brakes, and resident student.

Double check with each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not apply in Bakersfield. To find insurers that provide some of the discounts listed above in California, click this link.

Insurance rate breakdown

The premium table displayed below showcases different insurance premium costs for Honda Odyssey models. Learning a little about how insurance quotes are established is important for making informed decisions when comparing rates.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific location which can affect prices significantly.

Physical damage deductible comparison

When buying car insurance, a common question is which comprehensive and collision deductibles to buy. The tables below may help to conceptualize the premium difference of buying low and high policy deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific location which can decrease or increase premiums noticeably.

Based on the data above, we can derive that using a $250 deductible costs an average of $17 more each month or $204 annually across all Honda Odyssey models than quoting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 15 months between claims, you would save money if you choose a higher deductible.

One important note is that increasing deductibles to lower your rates means you will have to pay more of your own money at claim time. You should have a higher level of savings in the event you have to pay more for the deductible.

The chart below demonstrates how choosing different deductibles and can affect Honda Odyssey insurance rates for each age group. The premium estimates are based on a married male driver, full coverage, and no policy discounts are applied.

Impact of violations and accidents on rates

The diagram below highlights how traffic violations and at-fault claims can increase Honda Odyssey auto insurance costs for different age groups of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Comparison of car insurance rates by gender and age

The diagram below compares Honda Odyssey auto insurance costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, single marital status, and no discounts are applied.

Do you need full coverage?

The diagram below illustrates the difference between Honda Odyssey insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in California. The prices are based on no claims or driving citations, $250 deductibles, drivers are not married, and no policy discounts are applied.

When to stop buying full coverage

There is no set rule for eliminating full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Honda Odyssey book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after the policy deductible has been paid. If premiums are more than $200 annually for full coverage, then it could be time to drop full coverage.

There are some cases where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Learn How to Quote Car Insurance Cheaper

Many things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like your driving record, although some other factors are not as apparent like your vehicle usage and annual miles driven.

Shown below are most of the major factors used by your company to calculate rates.

• Pay more for higher performance vehicles – The performance level of the vehicle you are trying to find cheaper insurance for makes a huge difference in your car insurance bill. The lowest performance passenger cars usually are quite affordable to insure, but other factors influence the final cost greatly.

  The chart below uses these variables: single female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Honda Odyssey insurance rates compared to other models that have different performance risks.

• Rates and vocation – Jobs like fire fighters, social workers, and stock brokers generally pay higher premiums than the average policyholder due to job stress and lots of time spent away from family. On the other hand, careers like actors, students and the unemployed generally pay rates lower than average.
• An active insurance claims history can increase rates – Car insurance companies in California give lower rates to policyholders who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can expect either a policy non-renewal or much higher rates. Auto insurance is intended for major claims that would cause financial hardship.
• Add-on coverages that aren’t used – Insurance companies have many optional add-on coverages that may not really be needed on your Odyssey policy. Coverages like replacement cost coverage, towing, and motor club memberships may not be needed and are just wasting money. These may sound like a good investment at first, but if you don’t need them remove them from your policy.

• Claims statistics for a Honda Odyssey – Auto insurance companies analyze past claim statistics when setting rates for each model. Models that the statistics show to have high amounts or severity of claims will have higher rates.

  The next table illustrates the collected loss data for Honda Odyssey vehicles. For each coverage category, the loss probability for all vehicles averaged together equals 100. Values under 100 indicate a favorable loss history, while numbers above 100 point to more frequent losses or a tendency for losses to be larger than average.

  
  

  Insurance Loss Ratings for Honda Odyssey Vehicles

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

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years