Cheaper 2003 Dodge Neon Insurance Cost
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UPDATED: Mar 20, 2020
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Finding affordable insurance is hard for consumers new to comparison shopping online. You have so many options available that it can turn into a real hassle to locate the lowest price.
It’s a good habit to get comparison quotes before your policy renews because rates are variable and change quite frequently. Just because you found the lowest rates on Neon coverage six months ago other companies may now be cheaper. Starting now, block out anything you think you know about insurance because it’s time to teach you the proper way to save on insurance.
If you currently have car insurance, you should be able to save some money using these tips. The purpose of this article is to let you in on the most effective way to quote insurance and some tips to save money. Nevertheless, consumers need to have an understanding of how big insurance companies compete online and use this information to your advantage.
Comparison of Auto Insurance
When shopping for auto insurance there are multiple ways of comparing rate quotes from local auto insurance companies. The best way to compare 2003 Dodge Neon insurance prices is to get quotes online. This can be done in a couple of different ways.
- Probably the best way to find low rates is a comparison rater form click to view form in new window. This form eliminates the need for multiple quote forms for every auto insurance company. A single, simple form will return quotes from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.
- A different way to get comparison quotes is spending the time to visit the website for each individual company to request a price quote. For examples sake, let’s say you want rates from Progressive, 21st Century and State Farm. To get rate quotes you would need to visit each site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
Whichever way you use, make darn sure you compare apples-to-apples coverage information with every price quote. If you compare differing limits it’s impossible to determine the lowest rate for your Dodge Neon. Just a small difference in limits can make a big difference in price. And when price shopping your coverage, comparing a large number of companies will increase your chances of finding the best rates.
Pay less for 2003 Dodge Neon insurance
The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied at quote time, but a few need to be specifically requested before being credited.
- No Charge for an Accident – Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
- Discount for Life Insurance – Some companies give better rates if you take out life insurance.
- Own a Home – Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
- Military Discounts – Having a family member in the military may qualify for rate reductions.
- Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
- Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It’s a savings of about 10%.
Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will cut the cost of coverage.
For a list of insurers with the best car insurance discounts, follow this link.
Tailor your coverage to you
When buying adequate coverage, there is no “best” method to buy coverage. Every insured’s situation is different.
For instance, these questions may help you determine whether or not you may require specific advice.
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Do I benefit by insuring my home with the same company?
- What is PIP insurance?
- Do I get a pro-rated refund if I cancel my policy early?
- Should I put collision coverage on all my vehicles?
- Which is better, split liability limits or combined limits?
- Should I carry comprehensive and collision coverage?
- What vehicles should carry emergency assistance coverage?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.
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Factors that might impact rates for a Dodge Neon
An important part of buying insurance is that you know some of the elements that come into play when calculating insurance coverage rates. When you know what positively or negatively influences your rates enables informed choices that could result in big savings.
The list below includes some of the factors insurance coverage companies consider when setting premiums.
- A lapse in coverage is a bad thing – Allowing your insurance coverage policy to lapse is a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage will get you a license revocation or jail time.You may then be required to file a SR-22 with your state department of motor vehicles.
- More miles equals more premium – Driving more miles each year the higher your rate. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your insurance coverage coverage is showing the proper vehicle usage. If your policy improperly rates your Neon can cost quite a bit.
- Your car’s features help determine rates – Owning a car with a theft deterrent system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
- Do you have enough liability coverage? – The liability section of your policy will protect you in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for nursing services, ambulance fees, hospital visits, dental work and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage 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. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.
Collision coverage – This covers damage to your Neon caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims such as sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for liability – Liability coverage will cover damage that occurs to other people or property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage protects against things like legal defense fees, funeral expenses, loss of income and bail bonds. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.
Buy Smart and Save
Lower-priced 2003 Dodge Neon insurance is possible both online and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.
When shopping online for insurance, make sure you don’t reduce needed coverages to save money. There are many occasions where an insured dropped physical damage coverage to discover at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at a price you can afford while still protecting your assets.
Drivers leave their current company for a number of reasons such as unfair underwriting practices, high prices, delays in paying claims and poor customer service. Regardless of your reason for switching companies, finding the right insurance provider is not as hard as you think.
- All About Airbag Safety (State Farm)
- Safety Features for Your New Car (State Farm)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
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