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.
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.
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.
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.
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.
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.
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.
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 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 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.
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.
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
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:
Lyndia Velez
It’s all a rip off. I live in Rapid City, SD. Got car insurance rates from State Farm, AAA, and some I forget for my 1995 Dodge Neon and saved $95 a year. They offer free online rate quotes.
Tari Mullen
In Wichita, KS compare State Farm with Progressive and see which is best.
Chandra Dillard
This is too expensive. From Fort Smith, AR. I got free rates from AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my Dodge and saved about $80 a year. I even had a DUI years ago.
Ada Burke
Not sure if this is cheap. I’m in Milwaukee, WI. Quoted prices online for a 1995 Dodge Neon. Ended up at about $100 savings annually. Went with GEICO. They were helpful in switching over.
Pearl Wallace
All companies are crooks. Checking in from North Charleston, South Carolina. Not sure of all the companies but I ended up saving about $20 each month. Thankfully I’m not a high risk driver.
Marty Nolan
If you don’t have tickets and live in the vicinity of Anchorage, AK, check out Allstate. You might save some money. Left GMAC to switch. I have several vehicles insured with them. When should I drop full coverage?
Nobuko Hinton
From a town just southwest of Bismarck, North Dakota. I got free quotes with State Farm, Encompass, and Hanover for my 1995 Dodge Neon and am saving around $100 a year. I don’t insure for physical damage though.
Carlita Cochran
Great info, thanks for posting. From a town just southwest of Fort Wayne, IN. Got quotes from Amica, MetLife, and a few others for my 1995 Dodge Neon and saved $97 a year. Was with The General. Have a couple speeding tickets too. I recommend comparing lots of rates.
Denny Pruitt
Any GEICO or Erie customers near Charleston, SC?
Adrien Alford
Any Progressive or Encompass customers near Fairbanks, AK?
Reed Keller
I’m in Norman, OK. Received prices from 21st Century, AAA, Eastwood, and Liberty Mutual for my Dodge and am saving around $60 a year. My new agent seems to be really good. I think I’ll get rid of full coverage next time.
Rosetta Winters
Hope my rates come down. Located in Birmingham, AL. I compared lots of rates. Saved right around $20 a month. Allstate was the cheapest option for me. Did it all online.
Lizeth Sellers
I got a good deal I think. I’m in Charlotte, NC. Quoted a bunch of companies. Saved roughly $20 a month. 21st Century was the most affordable for me. Even increased coverage a bit. :) Book value doesn’t justify full coverage anymore.
Chong George
Is Progressive cheaper than Auto-Owners in Portland, Maine?
Shannan Alvarez
Does Michigan have minimum liability requirements?
Hwa Livingston
Nice info. From a town just southwest of Tulsa, OK. Received quotes with AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my Dodge and I think I cut my rates about $30 each month. Was with Erie. I have kids on my policy, too. My Dodge doesn’t have full coverage.
Jolyn Vazquez
Anyone buy from Amica? I’m in Saint Louis, MO.