View 1999 Dodge Neon Insurance Rates

Looking for better car insurance rates for your Dodge Neon? Trying to come up with a payment for high-priced car insurance can overdraw your accounts and put a big crunch on your finances. Doing a rate analysis is a great way to make ends meet.

Due to the increasing number of online and local companies to choose from, it can be diffult for people to choose the most cost effective insurer.

Finding the cheapest insurance coverage can be fairly easy. If you have insurance now or need a new policy, you can use these techniques to find better prices while maximizing coverage. Vehicle owners just need to know the most efficient way to shop their coverage around online.

How your Neon insurance prices are determined

Multiple criteria are used when premium rates are determined. A few of the factors are predictable like an MVR report, although some other factors are more obscure like where you live or your financial responsibility.

The items below are a few of the “ingredients” used by insurance companies to determine your prices.

  • No claims equals cheaper premiums – Insurance companies give lower rates to insureds who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended for more catestrophic claims.
  • Higher coverage deductibles lower prices – Physical damage insurance, also called ‘full coverage’, insures against damage to your Dodge. Some instances where coverage would apply are a dented fender, collision with an animal, and windstorm damage. Comprehensive and collision coverage deductibles are how much you are required to spend before your insurance coverage pays a claim. The more expense you have to pay, the less your insurance coverage will be on Neon coverage.
  • Compare rates if you bundle your policies – The majority of insurance companies afford a discount to clients who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to ensure the best deal. You may still find a better deal by buying insurance coverage from a different company.
  • Your credit history is important – Having a bad credit score is likely to be a major factor in determining what you pay for insurance coverage. People that have high credit scores tend to file fewer claims and have better driving records than drivers with lower credit scores. If your credit history is low, you could potentially save money when insuring your 1999 Dodge Neon by spending a little time repairing your credit.
  • Your employer and insurance coverage rates – Did you know your job can affect your rates? Careers like military generals, business owners and medical professionals are shown to have higher rates than the rest of us in part from stressful work requirements and long work days. On the flip side, occupations such as professors, students and homemakers pay the least on Neon coverage.
  • Expect high rates for teens – Young drivers are statistically shown to be inattentive when behind the wheel and because of this, their insurance coverage rates are much higher. Parents adding a teenage driver onto your insurance coverage can increase premiums substantially. Mature drivers are shown to be more cautious, cause fewer claims and accidents and tend to be get fewer driving tickets.
  • Safer vehicles cost less to insure – Safe vehicles tend to have better insurance rates. Safe vehicles reduce the chance of injuries and better occupant protection means less claims paid which can mean better rates for you.

Low cost car insurance prices

Finding cheap car insurance quotes isn’t really that difficult. All that’s required is to invest a little time comparing free car insurance quotes online with multiple companies. This can be accomplished by following the guidelines below.

  1. The fastest way to get quotes is to use a rate comparison form (click to open form in new window). This quick form eliminates the need for separate quotation requests for each company you want a rate for. Completing one form compares rates from car insurance companies with the best prices.
  2. Another way to compare rate quotes is spending the time to visit the website of each company and go through the quote process again. For example, let’s assume you are doing a rate comparison from Liberty Mutual, Safeco and State Farm. To get rate quotes you would need to navigate to each company’s site and repeatedly type in your coverage information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

How you compare quotes is your choice, just try to use nearly identical coverages with each company. If you are comparing different liability limits you will not be able to make a fair rate comparison.

Drivers who switch save $416 a year? Really?

Drivers get pounded daily by advertisements that promise big savings from the likes of Allstate and Progressive. They all seem to convey the message that people will save if you get a free car insurance quote and switch your coverage.

How is it possible that every company can have lower policy pricing? This is the way they can do it.

Insurance companies have underwriting criteria for the driver that makes them money. For example, a desirable risk could be over the age of 45, has a low-risk occupation, and has great credit. A propective insured who fits that profile receive the lowest rate quotes and will also save when switching.

People who are not a match for these standards may be required to pay a more expensive rate which translates to the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” save money. That’s why companies can truthfully claim big savings.

This emphasizes why it’s extremely important to do a price quote comparison at every renewal. It is impossible to predict which auto insurance company will have the best car insurance rates at this point in time.

Insurance coverage discounts are available to cut your rates

Some insurance providers don’t always advertise all disounts very well, so the following is a list of a few of the more common as well as some of the hidden discounts that may be available. If you do not check that you are getting every discount possible, you are throwing money away.

  • Home Ownership Discount – Just owning your own home can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.
  • Waiver for an Accident – This isn’t a discount exactly, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Policy Bundle Discount – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
  • Defensive Driver – Successfully completing a defensive driver class may get you a small discount if your company offers it.
  • Memberships – Having an affiliation with qualifying employment or professional organizations can get you a small discount on your bill.
  • Discounts for Responsible Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Neon coverage than drivers with accident claims.
  • Driving Data Discount – Drivers who agree to allow their company to monitor when and where they use their vehicle by using a telematic data system such as State Farm’s In-Drive could possibly reduce rates if they show good driving skills.

You should keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So even though you would think you could get a free insurance coverage policy, it just doesn’t work that way. Any qualifying discounts will help reduce the amount you pay for coverage.

A few of the larger companies and some of the discounts are:

  • State Farm includes discounts for Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, good student, passive restraint, and anti-theft.
  • Progressive has savings for multi-vehicle, continuous coverage, good student, homeowner, multi-policy, and online signing.
  • Progressive offers discounts for multi-policy, homeowner, continuous coverage, online signing, good student, multi-vehicle, and online quote discount.
  • MetLife may include discounts for accident-free, multi-policy, good driver, defensive driver, claim-free, and good student.
  • Farm Bureau may offer discounts for renewal discount, safe driver, multi-policy, 55 and retired, driver training, and youthful driver.
  • GEICO may have discounts that include good student, daytime running lights, anti-theft, military active duty, and emergency military deployment.
  • SAFECO policyholders can earn discounts including anti-lock brakes, multi-car, homeowner, accident prevention training, and safe driver.

If you need lower rates, check with all the companies which discounts can lower your rates. A few discounts might not be offered on policies in your area. To locate providers who offer free insurance coverage quotes, click this link.

Everyone needs different insurance coverages

When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Are rock chip repairs covered?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Exactly who is provided coverage by my policy?
  • What can I do if my company won’t pay a claim?
  • What is PIP insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Knowing the specifics of your insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1999 Dodge Neon.

Because many people 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 a good idea. Frequently these limits do not exceed the liability coverage limits.

Coverage for liability

Liability coverage will cover damage that occurs to people or other property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, emergency aid, legal defense fees, court costs and bail bonds. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for EMT expenses, doctor visits and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for collisions

This covers damage to your Neon resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, hitting a deer, falling objects and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Make an honest buck

When getting car insurance quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability coverage limits and found out when filing a claim they didn’t have enough coverage. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Throughout this article, we presented a lot of ways to get a better price on 1999 Dodge Neon insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding cheap car insurance. Consumers could even find that the most savings is with the least-expected company. They may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate and Progressive.

Additional information