Compare 2005 Dodge Neon Insurance Cost

Want cheaper car insurance rates for your Dodge Neon? There isn’t a single person who gets a kick out of paying for car insurance, especially knowing the price is too high.

There is such a variety of car insurance companies to pick from, and even though it’s nice to have multiple companies, it can be more difficult to adequately compare rates.

Buying the lowest cost protection is easy if you know what you’re doing. Just about every driver who has to buy car insurance should be able to find better rates. But drivers do need to know how companies market insurance on the web and apply this information to your search.

Get Dodge Neon insurance at a discount

Many things are considered when premium rates are determined. Some are obvious such as traffic violations, but other factors are more transparent like your continuous coverage or how financially stable you are.

  • Higher insurance coverage rates for specific jobs – Did you know your job can affect your rates? Jobs like judgesair traffic controllers and medical professionals are shown to have the highest average rates due to high stress and extremely grueling work hours. Conversely, occupations such as actors, engineers and performers pay the least on Neon insurance.
  • Prevent your car from being stolen – Choosing a vehicle with advanced anti-theft systems can save you some money. Anti-theft features like OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
  • Small coverages can add up – Insurance policies have a lot of add-on coverages that can add up if you don’t pay attention. Insurance for things like roadside assistance, towing, and Farm Bureau memberships may be costing you every month. They may sound like good ideas when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.
  • Cars with good safety ratings means cheaper insurance – Cars with five star safety ratings are cheaper to insure. Safe vehicles reduce occupant injuries and fewer serious injuries translates directly to fewer claims and lower rates for you.
  • Get cheaper prices if you’re married – Having a significant other can actually save you money when shopping for insurance coverage. Having a spouse may mean you are less irresponsible and statistics prove married drivers get in fewer accidents.

Get lower rates with these insurance discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Most are applied when you purchase, but a few need to be specially asked for before being credited.

  • Passenger Safety Discount – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Resident Student – Children who live away from home to go to college and do not have access to a covered vehicle can receive lower rates.
  • Early Switch Discount – Some larger companies provide a discount for switching companies before your current policy expires. You can save around 10% with this discount.
  • Discount for Low Mileage – Keeping the miles down on your Dodge can qualify you for substantially lower insurancerates.
  • Mature Driver Discount – If you’re over the age of 55, you could receive a small decrease in premiums on Neon insurance.
  • Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you could get a free insurance policy, that’s just not realistic.

Companies and some of the premium reductions they offer are outlined below.

  • The Hartford may include discounts for anti-theft, air bag, driver training, defensive driver, good student, and bundle.
  • American Family offers discounts including TimeAway discount, mySafetyValet, good driver, accident-free, and defensive driver.
  • Progressive offers discounts for multi-policy, good student, continuous coverage, multi-vehicle, and online signing.
  • Travelers offers premium reductions for payment discounts, new car, save driver, continuous insurance, home ownership, good student, and early quote.
  • Farmers Insurance includes discounts for mature driver, switch companies, early shopping, alternative fuel, and business and professional.
  • USAA may offer discounts for loyalty savings, driver training, new vehicle, vehicle storage, and military installation.
  • Liberty Mutual has discounts for teen driver discount, preferred payment discount, multi-car, new graduate, and exclusive group savings.

If you are trying to find inexpensive car insurance quotes, ask each company which discounts you qualify for. Some of the earlier mentioned discounts might not apply everywhere.

Car insurance can get complicated

When it comes to buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation could use an agent’s help.

  • Can I still get insurance after a DUI?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered by my spouse’s policy after a separation?
  • Which is better, split liability limits or combined limits?
  • Does car insurance cover theft of personal property?
  • Can I afford low physical damage deductibles?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Learn about insurance coverages for a 2005 Dodge Neon

Understanding the coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Uninsured or underinsured coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Neon.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage – This coverage pays for damage to your Neon resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, backing into a parked car, driving through your garage door, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield and hail damage. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like nursing services, prosthetic devices, EMT expenses, ambulance fees and dental work. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability coverage will cover damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like bail bonds, medical services, medical expenses, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Money doesn’t grow on trees

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. Too many times, someone dropped liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at an affordable rate.

We just presented many ways to shop for 2005 Dodge Neon insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest rates come from the least-expected company. They can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

Much more information about auto insurance can be read at these links: