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1999 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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UPDATED: Mar 20, 2020

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Trying to find cheaper insurance rates for your Dodge Neon? Searching for cheaper insurance for a Dodge Neon can be an all-consuming task, but you can use our insurance buying tips to make it easier.

There is a better way to compare insurance rates so we’re going to tell you the best way to quote coverages for your Dodge and obtain the lowest price from local insurance agents and online providers.

Smart consumers take time to get comparison quotes yearly since rates are variable and change quite frequently. Even if you think you had the best price for Neon coverage a couple years back there may be better deals available now. Starting right now, ignore everything you know about insurance because you’re going to get a crash course in the fastest and easiest way to lower your annual insurance bill.

Elements that influence Dodge Neon insurance rates

It’s important that you understand the factors that play a part in calculating auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

  • Do you have enough liability coverage? – Your policy’s liability coverage will protect you if ever a court rules you are at fault for personal injury or accident damage. Liability provides legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
  • Credit scores impact auto insurance rates – Credit rating is a big factor in determining what you pay for auto insurance. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit ratings. So if your credit history can use some improvement, you could save money insuring your 1999 Dodge Neon by repairing your credit.
  • Careful drivers pay lower rates – Good drivers get better rates than people who have multiple driving citations. Even a single ticket can increase rates by as much as thirty percent. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Bump up deductibles to save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Dodge. A few examples of covered claims would be a windshield shattered by a rock, vandalism, and rolling your vehicle. The deductibles are how much you are willing to pay before a claim is paid by your company. The more expense you have to pay, the less your auto insurance will be for Neon coverage.
  • Rural vs Urban Areas – Living in a small town can be a good thing when it comes to auto insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Urban drivers have to deal with much more traffic to deal with and longer commute times. More time on the road means more change of being in an accident.
  • An active claims history can cost you – Car insurance companies generally give cheaper rates to drivers who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee higher rates. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Older drivers save more – Teen drivers are known to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Never allow your policy to lapse – Not having insurance is against the law and auto insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage may earn you a license revocation or jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Pay less by taking advantage of discounts

Insurance can cost an arm and a leg, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be specifically requested prior to receiving the credit. If they aren’t giving you every credit available, you are paying more than you should be.

  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.
  • 55 and Retired – Mature drivers may be able to get a small decrease in premiums for Neon coverage.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • E-sign – A few companies give back up to $50 for buying your policy over the internet.
  • Student Driver Training – Have your child enroll in driver’s education in school.
  • Air Bag Discount – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Accident Free – Drivers who don’t have accidents pay less when compared with accident-prone drivers.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Distant Student – Children who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of providers offering auto insurance discounts, click here to view.

Are you falling for claims of savings?

Consumers constantly see and hear ads that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to make an identical promise that you’ll save big if you change to them.

How can each company make almost identical claims?

All the different companies are able to cherry pick for the driver that is profitable for them. An example of a profitable customer might be profiled as between the ages of 40 and 55, owns a home, and has great credit. Any new insured who matches those parameters will get very good rates and therefore will save a lot of money.

Drivers who are not a match for these standards will be quoted a higher premium and this can result in business not being written. The ads state “people who switch” but not “drivers who get quotes” save money. That’s the way companies can truthfully state the savings.

This emphasizes why you absolutely need to compare many company’s rates. It’s impossible to know which company will fit your personal profile best.

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Your coverage should be tailored to you

When buying proper insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • Do I need replacement cost coverage?
  • Do I really need UM/UIM coverage?
  • Am I covered when driving someone else’s vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my cargo covered for damage or theft?
  • Why is insurance for a teen driver so high?
  • When can my company non-renew my policy?
  • What are the best liability limits?
  • When should I not file a claim?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Neon.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a bird, falling objects and damage from flooding. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage – Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, medical expenses, emergency aid, attorney fees and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as prosthetic devices, funeral costs, ambulance fees and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays for damage to your Neon resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

A fool and his money are soon parted

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. In too many instances, an insured cut physical damage coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

In this article, we presented a lot of information how to lower your 1999 Dodge Neon insurance rates. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. You may even find the most savings is with an unexpected company.

People who switch companies do it for many reasons like questionable increases in premium, policy non-renewal, policy cancellation and even denial of a claim. It doesn’t matter why you want to switch finding a new auto insurance company can be less work than you think.

More information can be found below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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