2001 Dodge Neon Insurance Rates
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UPDATED: Mar 20, 2020
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Looking for cheaper insurance coverage rates for your Dodge Neon? Shopping for car insurance is not a task drivers look forward to, but your state requires it for any vehicle you drive.
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All the larger car insurance companies provide insurance quotes on their websites. Getting online quotes is fairly simple as you just type in your coverage information as requested by the quote form. Behind the scenes, the company’s rating system sends out for your driving and credit reports and gives you a price quote.
Online quotes makes comparing rates easy, but the time it takes to visit several different sites and fill out multiple forms gets old quite quickly. But it is imperative to perform this step if you are searching for a lower rate.
The easiest way to get multiple rate quotes utilizes a single form that obtains quotes from a bunch of companies at once. This type of form saves time, requires less work, and makes online quotes much more efficient. After your information is entered, it is quoted with multiple companies and you can pick any or none of the pricing results. If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.
To quickly compare rates using this form now, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended that you enter the insurance coverages just like they are on your policy. This makes sure you will be getting rate quotes for the exact same coverage.
Discounts are great for lower rates
Companies that sell car insurance don’t always advertise every discount in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known ways to save on insurance coverage.
- Employee of Federal Government – Employees or retirees of the government can save as much as 8% on Neon coverage with certain companies.
- Paperwork-free – Some insurance companies give back up to $50 simply for signing online.
- Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn at least 10% off all policies.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
- Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Neon coverage.
It’s important to note that most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.
For a list of insurers offering insurance coverage discounts, click this link.
Complexity of Dodge Neon insurance rates
An important part of buying insurance is that you know the different types of things that help determine the price you pay for insurance. Understanding what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.
The following are some of the factors used by your company to calculate premiums.
- Do you have a high stress job? – Did you know your insurance rates can be affected by your occupation? Occupations like lawyers, executives and financial analysts have higher average rates attributed to high stress and long work hours. Conversely, occupations like farmers, engineers and homemakers get better rates on Neon coverage.
- Don’t sacrifice liability coverage – The liability section of your policy provides coverage if you are found to be at fault for damages caused by your negligence. Liability insurance provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
- The more you drive the more you pay – Driving more miles in a year’s time the more you will pay for insurance. Most companies charge to insure your cars determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Improper usage on your Neon can cost quite a bit. Double check that your insurance coverage shows the proper vehicle usage, because it can save money.
- Don’t cancel a policy without a new one in place – Allowing your insurance policy to lapse is a quick way to trigger a rate increase. Not only will rates go up, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.You may then be required to file a SR-22 with your state DMV.
- Younger drivers pay higher rates – Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers tend to be more careless behind the wheel therefore insurance rates are much higher.
- Bad driving skills means higher rates – Good drivers receive lower rates than people who have multiple driving citations. Even a single speeding ticket can increase rates twenty percent or more. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
- Don’t get talked into coverage you don’t need – There are a lot of extra coverages that can waste your money on your Neon policy. Coverages like rental car reimbursement, accident forgiveness and membership fees are some examples. They may seem good when you first buy your policy, but your needs may have changed so get rid of them and save.
You may need specialized coverage
When choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.
These are some specific questions can help discover whether or not you might need professional guidance.
- Which is better, split liability limits or combined limits?
- What if I owe more than I can insure my car for?
- When do I need to add a new car to my policy?
- Why am I be forced to buy a membership to get insurance from some companies?
- If I drive on a suspended license am I covered?
- Is my teen driver covered when they drive my company car?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.
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Insurance coverages 101
Learning about specific coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses like funeral costs, pain medications, nursing services and rehabilitation expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision – This coverage will pay to fix damage to your Neon from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like a broken windshield, a tree branch falling on your vehicle, damage from getting keyed, damage from a tornado or hurricane and theft. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability car insurance – This protects you from damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for things like loss of income, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy higher limits if possible.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Neon.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Consumers who switch companies do it for a variety of reasons including policy cancellation, denial of a claim, delays in paying claims or even high rates after DUI convictions. Regardless of your reason, choosing a new company can be easy and end up saving you some money.
We just covered a lot of techniques to get a better price on 2001 Dodge Neon insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the biggest savings come from a small mutual company.
As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. In many instances, consumers will sacrifice liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.
Much more information about insurance coverage can be found at these links:
- Winter Driving (Insurance Information Insitute)
- Safe Vehicles for Teens (iihs.org)
- Vehicle Safety Ratings (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
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