Dodge Dodge Neon Insurance Rates
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UPDATED: Mar 20, 2020
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Looking for the cheapest car insurance rates for your Dodge Neon? Finding better rates for car insurance is hard for people who are new to shopping for insurance online. You have so many options available that it can quickly become a real hassle to find lower rates.
How to Lower Your Car Insurance Cost
To find the best car insurance prices, there are several ways of comparing rates from local car insurance companies. The fastest way to find competitive 1996 Dodge Neon insurance rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.
- One of the simplest ways to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for repetitive form submissions for every car insurance company. Filling out one form will get you price quotes from all major companies. Recommended for those who want to invest the least amount of time.
- A different way to obtain and compare quotes online requires a trip to each individual company website to request a price quote. For examples sake, let’s say you want rates from Progressive, State Farm and Travelers. You would have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.
For a list of links to insurance companies in your area, click here.
- The most time-consuming method to get comparison rates is driving around to local insurance agencies. Shopping for car insurance online makes this process obsolete unless you want the professional advice of a local agent. However, consumers can compare online quotes and still use a local agent and you’ll learn how to do that later.
It’s up to you how you get prices quotes, just compare exactly the same coverages with every price quote. If you enter different limits and deductibles on each one it will be very difficult to determine which rate is truly the best. Quoting even small variations in coverage limits can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting a lower rate.
Are you falling for claims of savings?
Insurance coverage providers like State Farm, Allstate and GEICO consistently run ads on television and other media. They all make the same claim about savings if you change your policy. How does each company say the same thing?
Insurance companies have a preferred profile for the type of driver they prefer to insure. For instance, a preferred risk might be profiled as over the age of 40, has no tickets, and has excellent credit. A driver who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.
Potential customers who don’t meet these standards must pay a higher premium and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that much. This is how companies can truthfully state the savings. This illustrates why drivers should get a wide range of price quotes. It is impossible to predict which insurance companies will provide you with the cheapest Dodge Neon insurance rates.
Verify you’re getting all your discounts
Companies don’t necessarily list all their discounts very clearly, so the following is a list of both well-publicized and the more hidden ways to save on insurance coverage.
- 55 and Retired – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Neon insurance.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
- Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
- Multi-policy Discount – If you have multiple policies with one company you will save approximately 10% to 15%.
- Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
- Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
- Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
- Life Insurance Discount – Some companies give lower rates if you buy auto and life insurance together.
- Seat Belt Usage – Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.
Car insurance companies that may have these discounts are:
Double check with each company which discounts you may be entitled to. Savings may not apply in your area.
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When should I talk to an agent?
When buying the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique.
For example, these questions may help highlight whether or not you might need professional guidance.
- Should I buy additional glass protection?
- Is a fancy paint job covered?
- When should I not file a claim?
- Am I covered when using my vehicle for business?
- Does my policy cover me when driving someone else’s vehicle?
- Who is covered when they drive my 1996 Dodge Neon?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.
Specific coverages for a 1996 Dodge Neon
Having a good grasp of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Neon.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
This provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for claims such as repair bills for other people’s vehicles, medical expenses, court costs, medical services and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as doctor visits, chiropractic care, dental work, X-ray expenses and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Collision insurance pays for damage to your Neon resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things like rolling your car, colliding with a tree, hitting a mailbox, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from flooding, fire damage, hitting a bird and theft. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Feed the piggy bank
In this article, we covered some good ideas how to get a better price on 1996 Dodge Neon insurance. The key thing to remember is the more you quote, the better your comparison will be. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising.
People switch companies for many reasons like denial of a claim, high prices, lack of trust in their agent or even being labeled a high risk driver. Regardless of your reason, finding a new insurance company is easier than you think.
As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There have been many situations where someone sacrificed liability limits or collision coverage only to discover later that it was a big mistake. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
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