Cheapest 1996 Dodge Neon Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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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 coverage

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.

Other information

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Frequently Asked Questions

How can I find the cheapest car insurance rates for my 1996 Dodge Neon?

To find the cheapest car insurance rates for your 1996 Dodge Neon, you can follow these steps:

  • Compare rates from multiple insurance companies: Use online rate comparison tools or contact local insurance agents to obtain quotes from different providers. By comparing rates, you can find the most affordable options for your specific needs.
  • Ensure consistent coverage and deductibles: When comparing quotes, make sure you’re comparing the same coverage levels and deductibles across all insurance companies. This will help you accurately assess the price differences between insurers.
  • Look for discounts: Inquire about available discounts that can help lower your insurance premiums. These may include safe driver discounts, multi-policy discounts, or discounts for installing safety features in your vehicle.
  • Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you secure lower insurance rates. Safe driving habits demonstrate to insurance companies that you’re a low-risk driver.
  • Consider raising your deductibles: Opting for higher deductibles can lower your insurance premiums. However, be sure to choose deductibles that you can comfortably afford to pay out of pocket in case of a claim.

Do insurance companies really provide savings when you switch policies?

Insurance companies often advertise savings for drivers who switch to their policies. While it is possible to find lower rates when switching policies, the savings are not guaranteed for everyone. Each insurance company has its own underwriting criteria and pricing algorithms, which means that the same driver can receive different quotes from different insurers. To ensure you’re getting the best rates, it’s crucial to compare quotes from multiple insurance providers.

How can I verify if I’m receiving all the discounts I qualify for?

Insurance companies may offer various discounts that can help reduce your insurance premiums. To ensure you’re receiving all the discounts you qualify for, consider the following:

  • Ask your insurance company: Contact your insurance provider and inquire about available discounts. They can provide you with a list of discounts they offer and determine which ones you’re eligible for.
  • Check for common discounts: Some common discounts include safe driver discounts, good student discounts, multi-policy discounts, and discounts for certain safety features or anti-theft devices in your vehicle.
  • Compare quotes: When comparing insurance quotes, the rates provided should include all applicable discounts. This allows you to see the full picture and choose the most affordable option.

When should I consider talking to an insurance agent?

While comparing insurance options online can be convenient, there may be situations where it’s beneficial to consult with an insurance agent. Here are some instances where talking to an agent can be helpful:

  • If you have specific coverage needs: If you have unique circumstances or require specialized coverage, an agent can help you navigate the options and find suitable policies.
  • If you’re unsure about your coverage requirements: Understanding the coverage you need can be complex. An agent can guide you through the process, explain different coverage options, and help you determine the appropriate levels of protection for your Dodge Neon.
  • If you have a complex driving history: If you have a history of accidents, tickets, or other driving infractions, an agent can help you find insurance companies that specialize in providing coverage to high-risk drivers.
  • If you prefer personalized assistance: Some individuals prefer the personal touch of working with an agent who can answer their questions, explain policy details, and assist with claims if necessary.

What are the different types of coverage I should consider for my 1996 Dodge Neon?

When considering insurance coverage for your 1996 Dodge Neon, it’s important to understand the following types of coverage:

  • Liability coverage: Protects you from legal claims by others for injuries or property damage you cause in an accident.
  • Uninsured/Underinsured Motorist (UM/UIM) coverage: Provides protection if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
  • Medical payments coverage: Reimburses medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.
  • Collision coverage: Covers damage to your vehicle resulting from a collision with another vehicle or object.
  • Comprehensive coverage: Protects against damage to your vehicle caused by incidents other than collisions, such as theft, vandalism, or natural disasters.

The specific coverage types and their recommended levels will depend on your individual needs and preferences.

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