2005 Dodge Neon Insurance Quotes – 5 Tricks for Best Rates
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UPDATED: Aug 24, 2022
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Buyers have options when searching for the lowest priced Dodge Neon insurance. You can either spend your time driving around trying to get quotes or leverage the internet to get rate quotes.
There are more efficient ways to find insurance online so we’re going to tell you the absolute fastest way to price shop coverage for a Dodge and get the lowest possible price from both online companies and local agents.
Getting better 2005 Dodge Neon insurance pricing is actually quite simple. You just have to take a couple of minutes to compare quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.
- One of the simplest ways consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This type of form eliminates the need for a different quote to each individual insurance company. A single form gets you coverage quotes instantly. It’s definitely the quickest method.
- A more time consuming way to obtain and compare quotes online consists of visiting each company website and complete a new quote form. For example, we’ll pretend you want to compare Liberty Mutual, Progressive and GMAC. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
It’s up to you how you get prices quotes, just make absolute certain that you use identical coverages for every company. If you use different values for each quote it’s not possible to determine the best price for your Dodge Neon.
Discounts can save BIG
Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be requested specifically prior to receiving the credit. If you’re not getting every credit you deserve, you’re paying more than you need to.
- Low Mileage Discounts – Fewer annual miles on your Dodge could be rewarded with discounted rates on garaged vehicles.
- Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
- College Student – Kids in college living away from home attending college without a vehicle on campus may be able to be covered for less.
- Defensive Driver – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Early Signing – A few companies offer discounts for signing up before your current policy expires. This can save 10% or more.
A little note about advertised discounts, some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will bring down your overall premium however.
A partial list of companies that may offer some of the above discounts include:
It’s a good idea to ask each insurance company which discounts they offer. Some discounts might not apply in your state.
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Will just any policy work for me?
When choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.
These are some specific questions might help in determining if your situation would benefit from professional advice.
- When should I drop full coverage on my 2005 Dodge Neon?
- When should my teen driver be added to my policy?
- Do I need rental car coverage?
- Should I get collision insurance on every vehicle?
- Is borrowed equipment or tools covered if stolen or damaged?
- What is an SR-22 filing?
If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Don’t be fooled by advertising claims
Consumers get pounded daily by advertisements that promise big savings from the likes of Allstate, GEICO and Progressive. All the companies say the same thing that you’ll save big after switching your coverage to them.
But how can every company make the same claim?
All companies have a preferred profile for the type of driver that is profitable for them. For instance, a profitable customer might be profiled as between 30 and 50, a clean driving record, and chooses high deductibles. Any driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.
Potential insureds who don’t measure up to the requirements will have to pay higher rates which usually ends up with business not being written. The ads state “customers who switch” not “everybody who quotes” save that much. That’s why companies can claim big savings.
Because of the profiling, drivers should compare as many rates as you can. Because you never know which insurance companies will have the lowest Dodge Neon insurance rates.
Car insurance coverages explained
Knowing the specifics of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for dental work, funeral costs and ambulance fees. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible
Auto collision coverage
Collision coverage covers damage to your Neon caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as sustaining damage from a pot hole, backing into a parked car, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.
Liability car insurance
Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage pays for things like pain and suffering, legal defense fees, medical services, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from 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 can pay for things like falling objects, rock chips in glass, theft, hitting a deer and hitting a bird. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
At the end of the day…
We just covered many ways to save on 2005 Dodge Neon insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies.
When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage only to discover later that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
The cheapest insurance is definitely available on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.
Additional car insurance information is available on the following sites:
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Shopping for a Safe Car (Insurance Information Insitute)
- Car Insurance FAQ (Trusted Choice)
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