Dodge Dodge Neon Insurance Rates
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UPDATED: Mar 20, 2020
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Trying to find better insurance rates for your Dodge Neon? Finding cheap insurance over the internet may be rather challenging for consumers not familiar with shopping for insurance online. With a ridiculous number of insurers available, how can you effectively compare the different rates to find the cheapest rates?
The best way to compare car insurance rates is to take advantage of the fact car insurance companies will pay a fee to compare their rates. To get started, all you need to do is take a few minutes to give details such as if you’re married, how your vehicles are used, if a SR-22 is needed, and what your job is. Those rating factors is instantly provided to many highly-rated insurers and you will receive price estimates very quickly.
Auto insurance ads bend the truth
Companies like State Farm, GEICO and Progressive consistently run ads on television and other media. All the ads say the same thing that you can save if you change your coverage to them. How do they all make almost identical claims? This is how they do it.
Insurance companies have a preferred profile for the driver that makes them money. A good example of a desirable insured might be profiled as a mature driver, has no prior claims, and has a short commute. A customer who fits that profile will get very good rates and is almost guaranteed to cut their rates substantially.
Drivers who do not match the “perfect” profile must pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that much. That’s the way companies can make those claims. This illustrates why drivers should compare as many rates as you can. It is impossible to predict which insurance companies will fit your personal profile best.
Are you getting all your discounts?
Companies offering auto insurance don’t necessarily list every available discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known car insurance savings.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
- Low Mileage Discounts – Keeping the miles down on your Dodge can qualify you for a substantially lower rate.
- Multiple Vehicles – Having multiple vehicles on the same car insurance policy qualifies for this discount.
- Good Student Discount – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
- 55 and Retired – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Neon coverage.
Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, you won’t be that lucky.
Companies that may have these money-saving discounts are:
Double check with each company how you can save money. Some discounts might not apply everywhere.
Tailor your coverage to you
When it comes to buying the best insurance coverage coverage for your vehicles, there really is no one size fits all plan. Every situation is different.
These are some specific questions can aid in determining if your situation will benefit from professional help.
- Why am I required to get a high-risk car insurance policy?
- Is there coverage for injuries to my pets?
- Do I need motorclub coverage?
- How do I file an SR-22 for a DUI in my state?
- Is borrowed equipment or tools covered if stolen or damaged?
- Am I covered if my car is in a flood?
- Am I covered when pulling a rental trailer?
- Do I need replacement cost coverage?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.
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Car insurance coverage information
Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.
Comprehensive or Other Than Collision
This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a bird, damage from getting keyed and theft. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical costs insurance
Coverage for medical payments and/or PIP pay for bills such as chiropractic care, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Neon.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Liability coverage can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability coverage pays for claims like funeral expenses, pain and suffering, court costs, medical expenses and loss of income. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.
Collision coverage will pay to fix damage to your Neon from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like colliding with another moving vehicle, sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.
Take this to the bank
Low-cost 2000 Dodge Neon insurance is available online as well as from independent agents, and you should be comparing both to get a complete price analysis. Some companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.
Consumers leave their current company for many reasons like policy non-renewal, an unsatisfactory settlement offer, questionable increases in premium or even delays in responding to claim requests. It doesn’t matter what your reason, finding a new car insurance company can be easier than you think.
As you prepare to switch companies, do not reduce needed coverages to save money. There have been many cases where an accident victim reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.
For more information, feel free to visit the resources below:
- Determing Auto Insurance Rates (GEICO)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Five Mistakes to Avoid (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
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