Compare 1998 Dodge Neon Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 27, 2022

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No one looks forward to paying for auto insurance, particularly when they are paying too much.

Having so many companies to choose from, it is very difficult to find the best car insurance company.

It’s a great practice to check auto insurance prices once or twice a year because prices fluctuate regularly. Despite the fact that you may have had the best rates on Neon coverage a year ago you may be paying too much now. Starting right now, forget all the misinformation about auto insurance because we’re going to show you the tricks you need to know to save money, get proper coverage and the best rates.

Verify you’re getting all your discounts

Car insurance can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be asked about prior to getting the savings.

  • Distant Student – Kids in college who are attending college without a vehicle on campus may be able to be covered for less.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Neon coverage than drivers with accident claims.
  • No Accidents – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
  • Driver Safety – Taking a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums on Neon coverage.

Keep in mind that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.

To see a list of insurance companies with the best car insurance discounts, click this link.

How to Buy Insurance Online

There are a lot of ways to shop for insurance, and some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could save time and use the web for quick rates.

Many of the larger companies belong to an insurance system where insurance shoppers submit one quote, and each participating company returns a rated price for coverage. This saves time by eliminating quote requests to every company.

To use this form to compare 1998 Dodge Neon insurance rates click here to start a free quote.

The one downside to using this type of system is that you can’t choose which insurance companies you want to price. So if you want to select from a list of companies to compare, we have a listing of companies who write insurance in your area. Click here to view list.

It’s up to you which method you use, but be sure to compare the exact same information for every company. If you compare mixed coverages it will be very difficult to make a fair comparison for your Dodge Neon. Just a small difference in limits may result in large price differences. And when quoting insurance, remember that quoting more will improve the odds of getting better pricing.

When should I talk to an agent?

When choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that These are some specific questions might point out whether or not you will benefit from professional help.

  • Do I need rental car coverage?
  • What are the financial responsibility laws in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • I have a DUI can I still get coverage?
  • Does insurance cover damages from a DUI accident?
  • Is my custom paint covered by insurance?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

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Specifics of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from insurance companies.

Comprehensive coverages – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, rock chips in glass and hail damage. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays for damage to your Neon resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, scraping a guard rail, hitting a parking meter, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Liability auto insurance – This can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for 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 $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as legal defense fees, medical expenses and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses such as chiropractic care, doctor visits and hospital visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 1998 Dodge Neon.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

At the end of the day…

When shopping online for insurance, never buy less coverage just to save a little money. In many cases, someone sacrificed collision coverage only to discover later that it was a big error on their part. The ultimate goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Cheap 1998 Dodge Neon insurance is available online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

In this article, we covered some good ideas how to save on insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best price on insurance is with the smaller companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

For more information, link through to these articles:

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