Cheaper 1995 Dodge Neon Insurance Cost

Trying to find cheaper auto insurance rates for your Dodge Neon? Online rate comparisons for cheaper auto insurance may seem complicated initially if you are like the majority of consumers and have never used online price quotes. Don’t worry though because finding affordable coverage online is easier than you think.

Consumers should take time to get comparison quotes on a regular basis because auto insurance prices change regularly. Just because you had the best deal on Neon coverage on your last policy there may be better deals available now. Forget all the misinformation about auto insurance because it’s time to teach you the easiest way to reduce your cost while increasing coverage.

Finding insurance

Most larger insurance companies allow consumers to get insurance quotes online. Getting prices online can be done by anyone as all you need to do is type in your coverage information as detailed in the form. Upon sending the form, the system will order reports for credit and driving violations and generates a price based on the information you submitted.

Being able to quote online streamlines rate comparisons, but having to visit several different sites and enter the same data into a form is a big time waster. But it is imperative to have as many quotes as possible in order to get the lowest price.

An easier way to lower your rates utilizes a single form that analyzes rates from multiple companies. It saves time, eliminates repetitive work, and makes rate comparisons much more enjoyable. Immediately after submitting the form, it gets priced and you can choose any one of the returned quotes. If you find a better price you can click and sign and buy the new coverage. The entire process only takes a few minutes and you will find out if you’re overpaying now.

In order to use this form to compare rates, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate your coverages as shown on your current policy. This helps ensure you will receive a fair comparison based on the exact same insurance coverage.

Do you qualify for discount auto insurance?

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply at quote time, but a few need to be asked about prior to receiving the credit. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Senior Citizen Discount – Drivers that qualify as senior citizens could receive a discount up to 10% on Neon coverage.
  • Student Discounts – Being a good student may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students up to age 25.
  • Discount for Life Insurance – Larger insurance carriers have a break if you buy auto and life insurance together.
  • Data Collection Discounts – Policyholders that allow driving data collection to monitor their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they have good driving habits.
  • Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Student Driver Training – Have your child enroll in driver’s education as it can save substantially.

As a disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

The best auto insurance companies and the discounts they provide are outlined below.

  • Farm Bureau has discounts for safe driver, good student, youthful driver, driver training, 55 and retired, renewal discount, and multi-policy.
  • Liberty Mutual discounts include exclusive group savings, multi-policy, teen driver discount, hybrid vehicle, good student, and new vehicle discount.
  • State Farm may include discounts for passive restraint, Steer Clear safe driver discount, driver’s education, accident-free, and Drive Safe & Save.
  • Auto-Owners Insurance may offer discounts for safe vehicle, air bags, multiple vehicles, anti-theft, and teen driver.
  • GEICO may have discounts that include military active duty, federal employee, air bags, anti-lock brakes, driver training, and multi-vehicle.
  • SAFECO offers discounts for anti-lock brakes, bundle discounts, homeowner, safe driver, multi-car, drive less, and anti-theft.

Check with each company or agent which discounts you may be entitled to. Some discounts may not apply in your area.

What insurance coverages do I need?

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions might point out if you could use an agent’s help.

  • When can I cancel my policy?
  • What happens if I owe more than my 1995 Dodge Neon is worth?
  • How can I force my company to pay a claim?
  • Am I covered when driving in Canada or Mexico?
  • How much liability coverage do I need in my state?
  • What are the best liability limits?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance 101

Understanding the coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Dodge Neon.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as pain medications, nursing services and dental work. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, structural damage, attorney fees and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from getting keyed and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.