How Much Does 1996 Dodge Neon Insurance Cost?

Feel like you have an expensive auto insurance policy? Trust us when we tell you you’re not alone.

Consumers have many insurers to buy insurance from, and even though it’s nice to have multiple companies, it can be more challenging to compare company pricing.

The best way to compare insurance rates in your area is to know the fact most larger insurance companies participate in a system to provide you with a free rate quote. The one thing you need to do is provide the companies a bit of rating information such as if it has an anti-theft system, the year, make and model of vehicles, whether you drive to work or school, and driver details. The rating information is instantly sent to insurance companies and you get price estimates immediately.

To start a rate quote now, click here and see if a lower rate is available.

Situations that may require an agent’s advice

When it comes to buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

• When should I not file a claim?
• Why am I be forced to buy a membership to get insurance from some companies?
• What if I don’t agree with a claim settlement offer?
• Can I get a multi-policy discount?
• Should I buy only the required minimum liability coverage?
• Do I need roadside assistance coverage?
• What is medical payments coverage?
• Can I rate high risk drivers on liability-only vehicles?
• When do I need to add a new car to my policy?
• What is high-risk coverage and where do I buy it?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages 101

Having a good grasp of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Dodge Neon.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, fire damage, hitting a bird, hail damage and rock chips in glass. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage covers damage to your Neon resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, scraping a guard rail, colliding with another moving vehicle, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability auto insurance

This can cover injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, legal defense fees, pain and suffering and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, hospital visits, pain medications and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay