Are you burned out from being strong-armed to insure your Dodge every month? You are no different than many other consumers.
Consumers have many insurers to purchase coverage from, and although it’s nice to have a choice, more options can take longer to compare company pricing.
It’s important to get comparison quotes occasionally because rates change frequently. Even if you think you had the best premium rates on Neon coverage a year ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the easiest way to buy cheaper insurance coverage.
The are a couple different ways to compare rate quotes from companies that offer insurance coverage in your state. The simplest method to compare 1998 Dodge Neon insurance prices consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.
However you get your quotes, try to keep equivalent coverage limits for each price quote. If each company quotes higher or lower deductibles it’s impossible to determine which company has the best rates. Quoting even small variations in insurance coverages may cause a big price difference. And when quoting insurance coverage, remember that having more price comparisons increases your odds of finding better pricing. Some companies don’t provide online price quotes, so it’s important to compare prices from those companies as well.
Auto insurance companies don’t always publicize all disounts in an easy-to-find place, so below is a list some of the best known as well as some of the hidden credits available to bring down your rates.
As is typical with insurance, most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride.
A few popular companies and a selection of discounts can be read below.
If you need low cost car insurance quotes, ask every company what discounts are available to you. Discounts may not be available in your area. To find insurance companies that offer multiple discounts, click here to view.
Smart consumers have a good feel for the rating factors that help determine the price you pay for car insurance. If you understand what impacts premium levels, this helps enable you to make changes that could help you find lower premium levels. Many factors are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although some other factors are not quite as obvious such as your marital status and annual miles driven.
When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. These are some specific questions might help in determining whether or not you might need an agent’s assistance.
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like ambulance fees, pain medications and X-ray expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Liability coverage – This coverage protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as funeral expenses, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.
Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1998 Dodge Neon.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Comprehensive coverages – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like a broken windshield, hitting a deer, vandalism, falling objects and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverages – Collision insurance covers damage to your Neon caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as sustaining damage from a pot hole, rolling your car, colliding with a tree and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.
We just covered many ways to get a better price on 1998 Dodge Neon insurance. The key thing to remember is the more price quotes you have, the better likelihood of getting cheap car insurance. Consumers could even find that the lowest prices are with a smaller regional carrier. They can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.
Cost effective 1998 Dodge Neon insurance can be found on the web in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not provide online rate quotes and these small, regional companies work with independent agencies.
To read more, take a look at these articles:
Almeta Peck
Great site. I’m just west of Columbus, GA. I don’t recall every quote but I ended up saving about $20 each month. Teenage drivers are expensive! Can still barely afford it.
Alta Travis
Cheap is not always the best policy. Checking in from Henderson, NV. Checked online prices for a 1998 Dodge Neon. Ended up at about $70 savings annually. Went with Progressive. Switched homeowners coverage too. Highly recommended.
Ardelle Coleman
If you don’t have tickets and live near Colorado Springs, CO, check out GEICO. You might save some money. Was with 21st Century. I have kids on my policy, too. Might find lower rates online. Not worth enough to pay for comprehensive and collision.
Eddie Rivas
I’m in the north part of Mobile, Alabama. Quoted quotes with State Farm, GMAC, and Erie for my Dodge and saved about $80 a year. Teenage drivers are expensive! I dropped full coverage awhile back.
Alba Mckee
Will 21st Century cancel me if I have an accident?
Wilhelmina Foreman
I’m in Billings, MT. I compared lots of rates. Saved about $20 a month. Progressive was the most affordable for me. Was with American Family. They have a lot of discounts available. Only insure liability on my Dodge.
Howard Austin
Just a quick comment on my experience. Live in Charlotte, NC. Checked online prices for a 1998 Dodge Neon. Ended up at about $80 savings annually. Went with State Farm. Left State Farm to switch. A clean driving record helps. It was easy to get rates. Full coverage costs too much.
Nicolette Petersen
I got quite a few price quotes for a 1998 Dodge Neon in New York City, NY. Ended up at darn near $70 every six months with AAA. I have several vehicles insured with them. It’s only liability tho.
Gaylord Duffy
I’m in the suburbs of Parkersburg, WV. Got quotes from AIG Insurance, Sentry, and a few others for my 1998 Dodge Neon and saved $116 a year. Not sure if rates are cheaper online or not. I’m thinking about dropping full coverage though.
Bo Baird
If you have a good history and live near Las Cruces, New Mexico, check out Progressive. You might save some money. Was with State Farm. Thankfully I have a good driving record. Get lots of quotes to find the best rate.
Lucilla Norman
Will GEICO raise rates for a rock chip claim?
Otilia Barry
Allstate is decent in Evansville, IN.
Angella Mercer
I got quite a few price quotes for a 1998 Dodge Neon in Rochester, MN. Ended up at about $120 every six months with Amica.
Shantae Stafford
I found cheap 1998 Dodge Neon insurance in Bismarck, North Dakota with GEICO.
Alisa Brooks
If you’re a decent driver and are close to Norman, Oklahoma, check out GEICO. They seem to be cheaper. Was with American Family.