How Much Does 1997 Dodge Neon Car Insurance Cost?

Consumers have many options when looking for the lowest priced Dodge Neon insurance. You can either spend your time driving around trying to get quotes or utilize the internet to get rate quotes. There are more efficient ways to buy auto insurance so you’re going to learn the absolute fastest way to price shop coverage for a Dodge and obtain the lowest possible price from both online companies and local agents.

How to compare insurance coverage price quotes

There are several ways to compare insurance coverage quotes, but one way is easier and takes less work. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use online quoting to achieve your goal.

Most major companies participate in a marketplace that allows shoppers to submit one quote, and at least one company then returns a price quote based on that information. This system prevents you from having to do quotation requests to each company.

To find out how much you’re overpaying now click to open in new window.

The only downside to comparing rates this way is you cannot specify which companies to get quotes from. If you would rather choose specific insurance companies for rate comparison, we have a listing of insurance coverage companies in your area. Click to view list.

Take whichever approach you prefer, but be sure to compare identical coverage data for each comparison quote. If you use mixed coverages you will not be able to determine which rate is truly the best.

How your Neon insurance rates are determined

Lots of things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other factors are less obvious such as your credit history and annual miles driven.

The factors shown below are some of the most rate-impacting factors insurance coverage companies consider when setting premiums.

• Lower premiums for safer vehicles – Safe vehicles tend to have lower insurance rates. Vehicles built for safety result in less severe injuries and any reduction in injury severity translates directly to fewer claims which can mean better rates for you. If your Dodge earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• Physical damage deductibles – Physical damage insurance, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Examples of covered claims are running into the backend of another car, damage from fire, or theft. The deductibles tell how much you are required to spend out-of-pocket if a covered claim is submitted. The more money you are required to pay out-of-pocket, the lower your rates will be on Neon insurance.
• Higher insurance coverage rates for policy lapses – Having a lapse in insurance coverage is a fast way to trigger a rate increase. Not only will rates go up, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license. You may then have to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Single drivers take more risk – Having a significant other actually saves money on your insurance coverage bill. Having a spouse generally demonstrates drivers are more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Do women or men drive better? – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, this does not mean males are worse at driving than females. Both sexes cause fender benders in similar numbers, but the males have accidents that have higher claims. Men also statistically have more aggressive citations like reckless driving and DUI.
• Teenage drivers pay high prices – Beginning drivers have been known to be inattentive and easily distracted in a vehicle so insurance coverage rates are higher. Older insureds tend to be more responsible, cost insurance companies less in claims , and are generally more financially stable.
• Job stress can affect rates – Did you know that where you work can have an impact on rates? Jobs such as military generals, architects and emergency personnel are shown to have higher rates than average because of high stress and long work days. Other professions such as scientists, engineers and the unemployed generally pay rates lower than average on Neon insurance.

Affordable auto insurance rates with discounts

Car insurance is not cheap, but you can get discounts to help bring down the price. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be manually applied in order for you to get them.

• Homeowners Pay Less – Simply owning a home can earn you a little savings because of the fact that having a home shows financial diligence.
• Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on Neon insurance depending on your auto insurance provider.
• Discount for Swiching Early – A few auto insurance companies allow discounts for signing up before your current policy expires. Ten percent is about the average savings.
• Defensive Driver Discounts – Passing a defensive driving class could cut 5% off your bill depending on where you live.
• Anti-theft System – Cars and trucks that have factory anti-theft systems help deter theft so companies will give you a small discount.
• Accident Free – Claim-free drivers get the best auto insurance rates when compared to drivers with a long claim history.

Discounts save money, but please remember that some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A few companies that have these discounts may include but are not limited to:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

Double check with each company to apply every possible discount. Some credits may not apply to policyholders in your area. If you would like to see a list of insurers with discount auto insurance rates, click here.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions might help in determining if your insurance needs might need professional guidance.

• Does my personal policy cover me when driving out-of-state?
• How much can I save by bundling my policies?
• When should I buy a commercial auto policy?
• Do I need more liability coverage?
• How high should my uninsured/underinsured coverage be in my state?
• When does my teenage driver need to be added to my policy?
• Is pleasure use cheaper than using my 1997 Dodge Neon to commute?
• Can I drive in Mexico and have coverage?
• How high should deductibles be on a 1997 Dodge Neon?
• What is covered by UM/UIM coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Car insurance coverages for a 1997 Dodge Neon

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverage

Liability insurance protects you from damage that occurs to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, attorney fees, structural damage, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, falling objects and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This pays for damage to your Neon caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, backing into a parked car, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as hospital visits, X-ray expenses, nursing services and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

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

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Final considerations

As you shop your coverage around, you should never buy poor coverage just to save money. In too many instances, an insured cut full coverage only to regret that the small savings ended up costing them much more. The goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

We just showed you some good ideas how to shop for 1997 Dodge Neon insurance online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with a small mutual company.

Some insurance companies may not have online price quotes and these regional carriers only sell coverage through independent agents. Lower-priced car insurance is possible both online in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis.

More information is located below:

• What is a Telematics Device? (Allstate)
• Liability Insurance Coverage (Nationwide)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)