Cheap 2001 Dodge Neon Car Insurance Cost

Looking for lower car insurance rates for your Dodge Neon? If you’re looking for cheaper insurance online, are you baffled by the dozens of car insurance companies? Many other drivers are as well. consumers have so many companies available that it can quickly become more work than you anticipated to find the best prices.

You should make it a habit to check car insurance prices as often as possible since rates are variable and change quite frequently. Despite the fact that you may have had the lowest premium rates on Neon insurance two years ago the chances are good that you can find a lower price today. There are a lot of ways to save on car insurance on the web, but in this article, you’re going to get some tested techniques to put money back in your pocket.

How to buy car insurance

When shopping for car insurance there are multiple ways to get quotes from lots of car insurance companies. The best method to find the lowest 2001 Dodge Neon rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

If you don’t have a lot of time, the easiest way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating repetitive form submissions for every prospective company. Taking the time to complete one form gets rate comparisons from all major companies. Just one form and you’re done.

A more time consuming way to find better pricing is spending the time to visit each company website and go through the quote process again. For example, we’ll assume you want to compare rates from State Farm, Farmers and GMAC. To do that, you would have to navigate to each company’s site and type in your information over and over, which is not fast way to get rate quotes.

To view a list of companies in your area, click here.

How you compare quotes is your choice, just ensure you’re using equivalent coverage limits and deductibles for every quote you compare. If your comparisons have different limits and deductibles on each one it’s not possible to make a fair rate comparison. Even a minor difference in insurance coverages or limits can make a big difference in price. And when comparing car insurance rates, know that obtaining a wide range of quotes will enable you to find a better price. Some insurance companies are not set up to provide online price quotes, so it’s important to compare quotes from the smaller companies as well.

Drivers who switch save $399 a year? Really?

Insurance coverage providers like State Farm, Allstate and GEICO endlessly run ads on TV and radio. They all seem to advertise claims that you’ll save big just by moving your policy. How is it possible that every company can offer drivers better rates? Here is how they do it.

All companies have specific criteria for the type of driver that makes them money. An example of a profitable insured might have to be between the ages of 40 and 55, has no prior claims, and drives less than 7,500 miles a year. Anybody who fits those characteristics will most likely get cheap premium rates and will pay quite a bit less when switching companies.

Potential customers who do not meet those standards will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can make it sound like they have such great prices. This emphasizes why you need to get insurance coverage quotes as often as possible. It is impossible to guess which insurance coverage company will give you lower premium rates than your current company.

Auto insurance quotes and discounts

Some companies don’t always publicize the entire discount list in a way that’s easy to find, so the list below details both well-publicized and also the lesser-known discounts that you may qualify for.

  • Savings for New Vehicles – Adding a new car to your policy may earn a small discount due to better safety requirements for newer models.
  • Discount for Swiching Early – A few auto insurance companies offer discounts for renewing your policy prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • Service Members Pay Less – Being deployed with a military unit could qualify you for better premium rates.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Neon insurance depending on your company.
  • Drive Less and Save – Driving less could be rewarded with slightly better auto insurancerates than normal.
  • Discount for Life Insurance – If the company offers life insurance, you could get a lower premium rate if you buy some life insurance in addition to your auto policy.

It’s important to understand that most discounts do not apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies that may offer quotes with most of these discounts include:

Before buying, ask each company or agent to apply every possible discount. Some credits might not be offered in your state.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that can aid in determining if you may require specific advice.

  • Do I pay less if my vehicle is kept in my garage?
  • What if I total my 2001 Dodge Neon and owe more than it’s worth?
  • Am I covered when delivering products for my home-based business?
  • Is upholstery damage covered by car insurance?
  • How can I find cheaper teen driver insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need more liability coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverage

Collision insurance covers damage to your Neon from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, colliding with a tree, backing into a parked car, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2001 Dodge Neon.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like medical expenses, funeral expenses, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills such as nursing services, ambulance fees and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Spend less. Save more.

Some insurance providers do not provide online rate quotes and most of the time these regional insurance providers sell through independent agents. Cheaper car insurance can be bought from both online companies in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture.

When searching for affordable insurance coverage quotes, never skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

Consumers leave their current company for any number of reasons including questionable increases in premium, high prices, lack of trust in their agent and policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

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