View 1995 Dodge Neon Car Insurance Quotes

Trying to find lower insurance coverage rates for your Dodge Neon? Feel like you have overpriced insurance coverage? It’s a common feeling and there are lots of people in the same boat.

Lots of insurers contend for your insurance dollar, and it can be difficult to compare rates to discover the definitive best rate

It is always a good idea to do rate comparisons before your next renewal because prices are rarely the same from one policy term to another. Even if you got the lowest price on Neon insurance last year there is a good chance you can find better rate quotes now. There is a lot of bad advice regarding insurance coverage online, but we’re going to give you some excellent ideas to slash your insurance coverage rates.

Get lower-cost insurance coverage quotes with discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts that could help you make your next renewal payment. Certain credits will be shown at quote time, but some may not be applied and must be specially asked for before you get the savings.

• Safety Course Discount – Taking time to complete a course in defensive driving is a good idea and can lower rates if you qualify.
• Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less since newer vehicles have better safety ratings.
• Military Discounts – Having a family member in the military can result in better insurance coverage rates.
• Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote when compared with accident-prone drivers.
• Low Mileage Discounts – Keeping the miles down on your Dodge can qualify you for lower prices on the low mileage vehicles.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted insurance coverage rate on car insurance if you buy auto and life insurance together.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving may be able to save a few bucks off the PIP or medical payment premium.
• Bundled Policy Discount – If you can bundle your home and auto insurance with one insurance company you could get a discount of nearly 15% which can help you find low cost auto insurance.
• Early Switch Discount – A few insurance coverage companies offer discounts for buying a new policy prior to your current policy expiration. It can save you around 10%.

Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Large insurance coverage companies and a partial list of their discounts are outlined below.

• Geico may have discounts that include driver training, anti-theft, air bags, good student, military active duty, and five-year accident-free.
• Auto-Owners Insurance includes discounts for anti-lock brakes, mature driver, paperless, student away at school, anti-theft, teen driver, and multiple vehicles.
• American Family may include discounts for early bird, Steer into Savings, mySafetyValet, good driver, bundled insurance, multi-vehicle, and accident-free.
• Esurance has savings for claim free, DriveSense, Pac-12 alumni, multi-policy, emergency road assistance, and renters.
• Progressive policyholders can earn discounts including online signing, continuous coverage, homeowner, multi-vehicle, online quote discount, and good student.
• State Farm may offer discounts for accident-free, good student, passive restraint, multiple policy, and Drive Safe & Save.
• AAA offers discounts for multi-policy, anti-theft, good student, AAA membership discount, good driver, pay-in-full, and multi-car.

When getting free auto insurance quotes, it’s a good idea to each company or agent the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Tailor your car insurance coverage to you

When buying coverage, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

• Should I file a claim if it’s only slightly more than my deductible?
• Can my babysitter drive my car?
• Does my personal policy cover me when driving out-of-state?
• Who is covered when they drive my 1995 Dodge Neon?
• Am I covered when driving a rental car?
• What is the minimum liability in my state?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance coverages 101

Knowing the specifics of insurance can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Coverage for collisions

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 coverage pays for things like driving through your garage door, sustaining damage from a pot hole, hitting a mailbox, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, vandalism, hitting a deer and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to a person or their property. It protects you from legal claims by others. 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. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as pain and suffering, emergency aid, medical services, funeral expenses and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Neon.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are set the same as your liablity limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like ambulance fees, hospital visits, EMT expenses and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Compare but don’t skimp

We just covered a lot of tips how to reduce 1995 Dodge Neon insurance prices online. It’s most important to understand that the more you quote auto insurance, the better chance you’ll have of finding low cost auto insurance. You may be surprised to find that the best prices are with a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Progressive or Geico.

Lower-priced insurance can be purchased on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and usually these small, regional companies sell through independent agents.

When searching for the cheapest auto insurance quotes, do not buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your goal should be to find the BEST coverage at the best price.

For more information, feel free to visit these articles:

• Booster Seat Ratings (iihs.org)
• Safety Belts FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)