Cheaper 1998 Dodge Neon Car Insurance Rates

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.

How to compare insurance coverage rate quotes

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.

• If you don’t have a lot of time, the easiest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form prevents you from having to do separate quotes for each price estimate. One simple form gets rate comparisons from all major companies.
• A harder way to shop for insurance coverage online consists of going to the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare prices for Farmers, Progressive and GMAC. To get rate quotes you would need to go to every website and type in your information over and over, which can get rather old. To view a list of companies in your area, click here.

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 policy discounts you can’t miss

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.

• New Car Discount – Putting insurance coverage on a new car may earn a small discount because new vehicles are generally safer.
• Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
• Bundle and Save – If you can bundle your auto and homeowners insurance with one insurance company you could get a discount of over 10 percent off each policy depending on the company.
• Discount for Swiching Early – A few companies allow discounts for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.
• Home Ownership Discount – Simply owning a home can save you money because owning a home demonstrates responsibility.
• No Claim Discounts – Drivers with accident-free driving histories pay less when compared to policyholders that have many claims.
• Passive Restraint Discount – Factory air bags or motorized seat belts may get savings of more than 20%.
• Defensive Driver – Passing a defensive driver course could cut 5% off your bill if your company offers it.

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.

• Progressive may have discounts that include multi-policy, homeowner, continuous coverage, good student, and multi-vehicle.
• AAA may include discounts for multi-car, AAA membership discount, anti-theft, pay-in-full, and education and occupation.
• Farmers Insurance discounts include electronic funds transfer, homeowner, bundle discounts, early shopping, and business and professional.
• Geico includes discounts for federal employee, air bags, seat belt use, good student, military active duty, emergency military deployment, and defensive driver.
• Esurance offers discounts for safety device, online shopper, anti-lock brakes, multi-car, renters, and claim free.
• SAFECO offers discounts including teen safe driver, anti-lock brakes, drive less, homeowner, and anti-theft.
• State Farm offers premium reductions for Steer Clear safe driver discount, accident-free, Drive Safe & Save, multiple policy, and safe vehicle.

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.

Informed drivers can save money

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.

• Better drivers pay better prices – How you drive has a huge affect on how much you pay. Careful drivers pay less for auto insurance as compared to those with violations. Even a single chargable violation can increase the cost of insurance to the point where it’s not affordable. Drivers who have license-revoking tickets such as DWI, reckless driving or hit and run convictions may find that they have to to maintain a SR-22 with their state in order to prevent a license revocation.
• Raise your comp and collision deductibles for better prices – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if you file a covered claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some coverage claims are collision with another vehicle, vandalism, and damage caused by road hazards. The more the insured has to pay upfront, the lower your rates will be on Neon coverage.
• Car insurance rates and your employer – Occupations such as fire fighters, social workers and accountants tend to have the highest average rates due to intense work situations and lots of time spent at work. On the other hand, careers like actors, students and performers receive lower rates on Neon coverage.
• Pleasure use or commuting – The more you drive every year the more you’ll pay to insure your vehicle. The majority of insurers charge rates based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your Neon may be costing you higher rates. Ask your agent if your car insurance coverage is showing how each vehicle is driven, because improper ratings can cost you money.
• Never let your car insurance policy lapse – Driving without insurance coverage in place is a big no-no and companies may charge more for letting your coverage have a gap. Not only will you pay more, getting caught without coverage may earn you fines or a revoked license. You may have to file a SR-22 with your state motor vehicle department.
• Male prices may be higher – Statistics demonstrate females are less aggressive when driving. However, this does not mean females are better at driving than males. Both sexes get in at-fault accidents at about the same rate, but men cause more damage and cost insurance companies more money. Not only that, but men also get ticketed for serious violations such as reckless driving.
• No policy claims equals better rates – Auto insurance companies generally give the best rates to drivers that do not abuse their auto insurance. If you file claims often, you can look forward to much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.

Insurance agents can help

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.

• Are my tools covered if they get stolen from my vehicle?
• Does my policy pay for OEM or aftermarket parts?
• Is my Dodge Neon covered if I use it for business?
• What are the best liability limits?
• Does car insurance cover theft of personal property?
• How can I find cheaper teen driver insurance?
• When should I remove comp and collision on my 1998 Dodge Neon?
• What can I do if my company denied a claim?
• Do I need rental car coverage?
• Are my friends covered when driving my 1998 Dodge Neon?

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.

Auto insurance coverage information

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.

Make a quick buck

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:

• Vehicle Insurance (Wikipedia)
• How do I File a Claim? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Teen Driver Licensing Information (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)