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Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!
 The image should show a well-lit, friendly insurance office with a diverse group of professional agents discussing car insurance options with customers. Include a Caucasian female agent showing a digital tablet with graphs indicating lower insurance rates to a Black mother with a child. Another South Asian male agent is seen in the background reviewing documents. The environment should have brochures for safe driving programs and multiple policy options visible, with a clean and organized desk area. The co
By Liam, 3 weeks ago

Liam is a passionate advocate for insurance products, specializing in auto insurance. He provides comprehensive reviews, emphasizing the importance of personalized data for effective price comparison. Liam believes in the power of accurate information and is wary of empty promises made by online aggregators. Join him as he navigates the complexities of auto insurance, empowering readers to make informed decisions and secure the best coverage at reasonable prices.

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How to Lower Car Insurance Rates for a Family Van in the 90210 Beverly Hills ZIP Code for a Driver with a Perfect Record?

 The image should show a well-lit, friendly insurance office with a diverse group of professional agents discussing car insurance options with customers. Include a Caucasian female agent showing a digital tablet with graphs indicating lower insurance rates to a Black mother with a child. Another South Asian male agent is seen in the background reviewing documents. The environment should have brochures for safe driving programs and multiple policy options visible, with a clean and organized desk area. The co

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I’m currently insured with AllState and have been with them since I first started driving. I drive a 2019 Honda Odyssey EX-L, which is perfect for getting my three kids around to all their activities. However, as a single parent in the 90210 area, I’m feeling the pinch of my insurance rates. I’ve got a spotless driving record with no tickets or accidents, and I’ve been driving for 18 years. I’m looking for advice on how to reduce my current rates without sacrificing the quality of my coverage. I'm hoping to find a policy that considers my good driving habits and offers competitive rates for liability and collision coverage with high limits, just in case.

Information about Driver and Driving: Provided Data:
Current Rates: $200/month
Expected Rates: Any offer lower than current rates
My ZIPcode: 90210
My Car Model and Trim: 2019 Honda Odyssey EX-L
Age and gender of driver: 38, Female
Driving Record (accidents or violations): None
Length of Driving Experience: 18 years

 

California  /  Beverly Hills (90210)  /  Honda  /  Odyssey 

 

Insurance Coverage and Deductibles: Provided Data:
Type of Insurance Coverage (collision, liability, etc.): Liability and Collision
Coverage Amounts (limits): $100,000 bodily injury per person / $300,000 per accident / $50,000 property damage
Deductibles: $500
Additional Factors: Provided Data:
Discounts: Multiple policy, safe driving, driving monitoring program eligible
Credit History: Excellent
Frequency and method of insurance payment: Monthly, automatic bank draft

What Are My Options for More Affordable Coverage with the Same Benefits?

I’m reaching out because I need advice on finding more affordable car insurance rates for my family vehicle. As a resident of Beverly Hills with ZIP code 90210, I know that my location might affect my rates, but I believe my clean driving record and longstanding driving experience should weigh in my favor for lower premiums. My current monthly payment is $200 with AllState, and with my tight budget as a single parent, I am looking for ways to reduce this cost without compromising on the coverage limits I currently have, which are quite high due to the nature of driving my children around in a busy area.

I have been a loyal customer with AllState for nearly two decades, always paying my premiums on time, often in advance, through automatic bank drafts, which reflects my reliable nature and excellent credit score. I am aware that I could potentially leverage my clean driving history for a discount, but I am not sure if I am already maxing out those benefits or if there is more room to negotiate. Moreover, I am interested in any safe driving programs or multi-policy discounts that could further reduce my rates, as I have homeowner’s insurance through another provider but would consider bundling if the savings were substantial.

Given that I use my Honda Odyssey EX-L primarily for family transportation and errands, which includes driving to school, soccer practice, and occasional road trips, I’m curious if there are any specific discounts for low-mileage drivers or if there are family-oriented insurance plans that offer better rates for responsible single parents like myself. I also want to make sure my children are well protected, so keeping the same high liability and collision limits is essential.

Finally, if there are any local insurance companies in the Beverly Hills area that specialize in providing competitive rates for drivers with profiles similar to mine, I’d love to hear about them. I am open to switching providers if it means a significant cost saving and the same or better level of coverage.

  • What discounts could I qualify for as a safe, low-mileage driver?
  • Can my loyalty and clean driving record be used to negotiate better rates?
  • Are there benefits to bundling my car insurance with my homeowner's insurance?
  • What local providers offer competitive rates for responsible single parents?
  • How do my current coverage limits compare to what is recommended for my situation?
  • Are there specific insurance plans tailored to family-oriented driving needs?
  • Is there a significant difference in rates if I choose a higher deductible?
  • Could a change in payment frequency impact my overall costs?

I have a high credit score (reduces insurance rates) I will drive many miles I only drive occasionally

The 38-year-old insured in this example lives in Beverly Hills and owns a Honda Odyssey. His car insurance currently costs him $2,150 annually; however he hopes to reduce that amount by about $675 dollars and get it down to around $1,475 per year. The required savings on the annual insurance should thus reach approximately 31%. Let's see if it's real.

An actual case study:

To be specific, the average car insurance rates in Beverly Hills (90210) are around $950 annually. The difference between the average rates in this area and what the mentioned client is paying is $-1200. The insured did not provide detailed information regarding their credit history or driving history, making it much more difficult to determine exact insurance rates and recommended car insurance limits for the Beverly Hills area.
Customer RatesYour Rates
Current auto insurance rates $2,150 Your Rates?
Expected auto insurance rates:$1,475 Your Rates?
Annual savings:$675 Your Savings?
In California, it is essential to be aware of the ideal amount for car insurance. The Minimum Bodily Injury Liability per person should be set at a minimum of $15,000, limits for Accident Property Damage liability are set at $30,000; however, if there are multiple people injured in an accident, the Minimum Bodily Injury Liability must reach up to $5,000 per incident. Complying with the legal insurance limits is necessary to keep your car insurance in Beverly Hills valid.
Without adhering to these set restrictions, you may find yourself without a policy that would protect you against collisions or other accidents.
Minimum coverage limits are the legal requirements set by each state for how much insurance coverage you must purchase. These minimums may include Bodily Injury Liability, Property Damage Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.
Coverage TypeMinimum Coverage
Bodily injury liability

per person in Beverly Hills (90210)

$15,000
Bodily injury liability

per accident in Beverly Hills (90210)

$30,000
Property damage liability

per accident in Beverly Hills (90210)

$5,000
Below you can watch a video dedicated to either car insurance for the Honda Odyssey in California, Beverly Hills (90210) or a review of this vehicle.

SOLVED:

Honda Odyssey car insurance for 38 year old in Beverly Hills (90210)

Beverly Hills: An Insurance Overview

Beverly Hills, with its famed ZIP code 90210, is known for luxury, affluence, and high property values. While the glitz and glamour of the area may not seem to directly correlate with car insurance rates, the socio-economic status of the region can impact insurance costs due to factors like higher average vehicle values and repair costs. Furthermore, the frequency of events such as movie premieres and celebrity gatherings can influence traffic patterns, which in turn may affect the risk assessment for insurers.

Key Factors Affecting Insurance in 90210

  • Area Prosperity: High-value vehicles are commonplace in Beverly Hills, potentially raising average coverage limits and premiums.
  • Traffic Flow: Event-driven traffic congestion can lead to higher accident rates.
  • Theft Rates: Despite being an affluent area, Beverly Hills is not immune to vehicle theft, which insurers consider when determining rates.

Strategies for Lowering Insurance Costs

Leverage Your Driving Record

With an impeccable 18-year driving history, you are in a prime position to negotiate lower rates. Insurers value consistent safe driving, as it indicates a lower risk to insure.

Bundle Insurance Policies

Combining your homeowner’s insurance with your auto insurance can unlock multi-policy discounts. By moving your homeowner's insurance to AllState or vice versa, you could see a significant reduction in premiums.

Review Deductible Levels

Adjusting your deductibles can lead to lower monthly premiums. However, ensure you choose optimal deductibles that won't stretch your finances in the event of a claim.

Payment Frequency

Paying your premium in full annually or semi-annually can often result in lower overall costs compared to monthly payments.

Safe Driver Programs

Enrollment in driving monitoring programs can offer further discounts for proving safe driving habits.

Potential Discounts and Savings

Low Mileage Discounts

Given that you use your vehicle primarily for family transportation, if your annual mileage is low, you may qualify for low mileage discounts.

Loyalty Discounts

Having been with AllState for nearly two decades, you should inquire about loyalty discounts if not already applied.

Safety Features

Ensure all safety features of your 2019 Honda Odyssey EX-L are documented, as they can sometimes lead to further discounts.

Local Considerations

While specific local insurance providers' information is not available, larger insurers often tailor their rates to the local demographics and risks of areas like Beverly Hills. It could be beneficial to consult with local insurance agents who may have insights into additional savings specific to 90210.

Road Safety in Beverly Hills

Despite Beverly Hills' safe reputation, certain intersections and roads may be considered higher risk due to traffic volume or historical accident rates. Consulting with local authorities or community groups could help identify these areas and provide context for insurance discussions.

Safe Parking Zones

Areas with secured parking facilities, such as guarded parking garages or well-lit streets with active community watch programs, are typically deemed safer by insurers and could positively impact your rates.

Areas with Higher Risk

Regions near nightlife hotspots or with a higher frequency of vehicle-related crimes could be flagged by insurers as higher risk. Avoiding regular parking or travel through these areas when possible could be beneficial.

By considering these factors and actively engaging with your current provider about discounts and savings, you can work towards obtaining a more affordable policy without compromising on the high coverage limits you require for your family's safety. It's also advisable to get the best quotes from multiple providers periodically to ensure you're still getting the cheapest car insurance possible for your needs.

Car Insurance Premiums by Company - Annual Rates

Which insurer offers the most advantageous annual car insurance in the area with the postal code 90210?

Are you looking for a great and cost-effective Honda, Odyssey car insurance in 90210, California, Beverly Hills (90210)? Below is a comprehensive list of highly rated auto insurers who offer the most affordable rates. On average, it can total up to around $950 per annum or only about $79 monthly in 2024. On average, auto insurance for a Honda, Odyssey in Beverly Hills (90210) will cost you Approx. $1,983 annually. Due to the fact that there is no offer from ERIE in this location, you can try other regional insurers, or take a look at offers from Allstate ($570 on average for an annual policy), GEICO ($713 yearly) and others (see table below). If you're a responsible driver over 25 years old, look for the "lowest rates" column instead of the "average rates", and reap the benefits of lower prices. The table below shows both the lowest possible prices in the area and the average annual Honda, Odyssey insurance premium in Beverly Hills .
These prices are determined by the typical auto insurance rates for a Honda, Odyssey in Beverly Hills (90210). However, other factors such as age, credit score rating, driving record or marital status have an influence on these costs too. Please note that we do not collaborate with any company and receive no commissions from them whatsoever.
Insurance CompanyLowest RatesHonda, Odyssey in Beverly Hills (90210)
ERIE $314Not available in Beverly Hills (90210)
Auto-Owners $291Not available in Beverly Hills (90210)
Allstate $342$1,190 Get Quotes Agents Call
American Family $342Not available in Beverly Hills (90210)
Farmers $399$1,388 Get Quotes Agents Call
GEICO $428$1,487 Get Quotes Agents Call
Liberty Mutual $456$1,587 Get Quotes Agents Call
Nationwide $485$1,686 Get Quotes Agents Call
Progressive $513$1,785 Get Quotes Agents Call
State Farm $542$1,884 Get Quotes Agents Call
Travelers $599$2,082 Get Quotes Agents Call
USAA $627$2,182 Get Quotes Agents Call

How deductibles affect your Honda, Odyssey rates in Beverly Hills (90210)?

The amount of your deductible can significantly affect the cost of your insurance premium.

If you own a Honda, Odyssey increasing your car insurance deductible to $1000 could mean saving up to 22% on collision and comprehensive coverage! This would result in an annual premium of approximately $1,547 if you are a Beverly Hills (90210) resident. Nonetheless, even if $100 is more suitable for your budget right now - choosing this deductible can still offer some savings off the policy's total cost each year (about 2%), leaving only around $1,944 in yearly payments or roughly $162 monthly. On average, selecting the typical $500 deductible will result in a cost of $1,349 for collision and $337 for comprehensive coverage. It all boils down to finding a balance between what is best for your budget and how much risk you're willing to assume. Choosing $2,000 as your deductible on this Honda, Odyssey model would give you an estimated annual collision coverage of around $825 while the comprehensive premium will hover just under 206 dollars.
This table provides an analysis of the cost between Honda, Odyssey collision and comprehensive premiums in Beverly Hills (90210) based on the amount of your deductible. It's more budget-friendly to set a higher deductible for collision coverage, since it comprises almost three times as much of the premium cost when compared to comprehensive insurance. Conversely, you'll want to select a low deductible for your extensive coverage in order to save even more money.
Your DeductibleCollision PremiumComprehensive Premium
Zero-deductible

Increases rates significantly

$1,745$436 Get Quotes
$100

2% deductibles discount

$1,555$389 Get Quotes
$200

5% deductibles discount

$1,507$377 Get Quotes
$300

9% deductibles discount

$1,444$361 Get Quotes
$500

15% deductibles discount

$1,349$337 Get Quotes
$1000

22% deductibles discount

$1,238$309 Get Quotes
$2000

48% deductibles discount

$825$206 Get Quotes

Compare car insurance quotes for all Honda Odyssey trim levels

Discover the average Honda Odyssey car insurance prices for your specific location by selecting a model and its trim level below, then click "Your Rates" to view annual insurance costs. With our 2022 Honda Odyssey coverage calculator, you can get an accurate estimate of what it will cost to insure one of these vehicles!
Choose the exact trim variant of your car for detailed car insurance quotes.
Year Model & Trim Average Annual Rates
2022 Honda Odyssey, Elite

Elite 4dr Minivan (3.5L 6cyl 10A)

$2,426 Details Get Quotes
2022 Honda Odyssey, Touring

Touring 4dr Minivan (3.5L 6cyl 10A)

$2,342 Details Get Quotes
2022 Honda Odyssey, EX

EX 4dr Minivan (3.5L 6cyl 10A)

$2,280 Details Get Quotes
2022 Honda Odyssey, EX-L

EX-L 4dr Minivan (3.5L 6cyl 10A)

$2,280 Details Get Quotes
2022 Honda Odyssey, LX

LX 4dr Minivan (3.5L 6cyl 10A)

$2,300 Details Get Quotes
2021 Honda Odyssey, LX

LX 4dr Minivan (3.5L 6cyl 10A)

$2,005 Details Get Quotes
2021 Honda Odyssey, Elite

Elite 4dr Minivan (3.5L 6cyl 10A)

$2,114 Details Get Quotes
2021 Honda Odyssey, EX-L

EX-L 4dr Minivan (3.5L 6cyl 10A)

$1,986 Details Get Quotes
2021 Honda Odyssey, EX

EX 4dr Minivan (3.5L 6cyl 10A)

$1,986 Details Get Quotes
2021 Honda Odyssey, Touring

Touring 4dr Minivan (3.5L 6cyl 10A)

$2,041 Details Get Quotes
Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

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