1999 Dodge Neon Insurance Quotes

Online rate comparisons for cheap auto insurance may seem to be difficult if you are someone who has never done quoting online. Don’t let that stop you because finding affordable coverage online is easier than you think.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to reduce your rates substantially using these methods. Nevertheless, car owners must understand the methods companies use to market insurance on the web.

Compare quotes for auto insurance

When shopping for cheap auto insurance quotes, there are a couple of ways of comparing rates from lots of auto insurance companies. The quickest method to find the cheapest 1999 Dodge Neon insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

The simplest way to find low rates is a comparison rater form click to view form in new window. This quick form prevents you from having to do separate quotation requests to each individual auto insurance company. Just one form will return quotes instantly. Recommended for those who want to invest the least amount of time.

A different way to get comparison quotes is spending the time to visit the website for each individual company to complete their respective quote request forms. For example, let’s assume you are doing a rate comparison from Progressive, Farmers and Geico. To get each rate you have to go to every website to enter your coverage information, which explains why we recommend starting with the first method.

To view a list of companies in your area, click here.

Take whichever approach you prefer, but try to use nearly identical quote information on every price quote you get. If each company quotes unequal deductibles or liability limits it will be next to impossible to get a fair rate comparison. Just a small difference in limits could throw off the whole comparison. It’s important to know that comparing a large number of companies increases your odds of finding the best rates. Not every company allows you to get price estimates online, so you need to compare rates from them, too.

Verify you’re earning every discount

Insurance can cost an arm and a leg, but you can get discounts that can dramatically reduce your bill. Most are applied at the time you complete a quote, but lesser-known reductions have to be requested specifically before being credited.

• New Car Discount – Insuring a vehicle that is new can save up to 30% because new model year vehicles keep occupants safer.
• Accident Forgiveness Coverage – Not necessarily a discount, but companies like Geico, Allstate and Liberty Mutual will forgive one accident before your rates go up so long as you are claim-free prior to the accident.
• Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
• Multi-policy Discount – If you can bundle your home and auto insurance with the same insurance company you could save at least 10% off all policies.
• ABS Brakes – Cars equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
• Active Service Discounts – Being deployed with a military unit could be rewarded with lower prices.
• Discounts for Multiple Vehicles – Buying a policy with more than one vehicle on one policy can reduce the rates for all insured vehicles.
• Fewer Miles Equal More Savings – Keeping the miles down on your Dodge may allow you to get discounted rates on garaged vehicles.
• Claim Free – Insureds who avoid accidents and claims pay less as opposed to insureds who have frequent claims or accidents.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Large auto insurance companies and some of the discounts are:

• Geico may include discounts for anti-theft, federal employee, emergency military deployment, membership and employees, defensive driver, seat belt use, and daytime running lights.
• USAA may have discounts that include loyalty savings, multi-vehicle, vehicle storage, driver training, and safe driver.
• Progressive offers premium reductions for homeowner, continuous coverage, online signing, multi-vehicle, good student, online quote discount, and multi-policy.
• American Family includes discounts for TimeAway discount, air bags, accident-free, multi-vehicle, good student, Steer into Savings, and defensive driver.
• Esurance has savings for multi-policy, safety device, paid-in-full, multi-car, emergency road assistance, online quote, and online shopper.
• Farmers Insurance discounts include good student, bundle discounts, switch companies, electronic funds transfer, homeowner, and teen driver.
• State Farm offers discounts for Steer Clear safe driver discount, defensive driving training, accident-free, multiple policy, and Drive Safe & Save.

It’s a good idea to ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts might not be available to policyholders in your area. To see a list of companies that offer the discounts shown above, click here.

When should I discuss my situation with an agent?

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.

For example, these questions may help highlight if your situation might need an agent’s assistance.

• When should I drop full coverage on my 1999 Dodge Neon?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is rental equipment covered for theft or damage?
• How much can I save by bundling my policies?
• Do I need medical payments coverage since I have good health insurance?
• Do I have newly-aquired coverage?
• Should I have a commercial auto policy?
• How can I force my company to pay a claim?
• What is the minimum liability in my state?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Why informed drivers pay less for Dodge Neon insurance

It’s important that you understand some of the elements that are used to determine the price you pay for insurance coverage. If you have some idea of what impacts premium levels, this allows you to make good choices that can help you get better insurance coverage rates. Lots of things are considered when quoting car insurance. A few of the factors are predictable such as your driving record, but others are not as apparent like your continuous coverage or your vehicle rating.

The list below includes most of the major factors insurance coverage companies consider when setting your prices.

• Use but don’t abuse your insurance – Insurance companies generally give the lowest premiums to insureds who only file infrequent claims. If you file claims often, you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Big city or small town – Living in areas with lower population can be a good thing if you are looking for the lowest rates. Less people living in that area means a lower chance of having an accident. People who live in big cities tend to have more road rage incidents and longer commute times. More time on the road statistically corresponds to a higher accident and claim rate.
• Raise coverage deductibles and save – Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Dodge. A few examples of covered claims could be a broken side mirror, damage from fire, and damage caused by flying debris. Your deductibles define the amount you are required to pay if you file a covered claim. The more damage repair cost you have to pay, the lower your rates will be on Neon coverage.
• Reduce rates by driving safer cars – Vehicles that have high safety ratings tend to have lower insurance rates. These vehicles reduce the chance of injuries and lower injury rates means your insurance company pays less and cheaper rates on your policy. If your Dodge scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
• Deter theft and reduce prices – Selecting a car model with advanced anti-theft systems can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder vehicle theft.
• Lower annual miles equals lower premium – Driving more miles annually the more you’ll pay to insure it. Almost all companies rate vehicles based upon how much you drive. Autos that do not get driven very much receive better premium rates than vehicles that have high annual mileage. It’s always a good idea to double check that your insurance coverage policy correctly shows annual mileage, because it can save money. Having an incorrect usage rating on your Neon may be wasting your money.

Save $483 a year? Really?

Big name companies like Geico, State Farm and Progressive consistently run ads on television and other media. All the companies make the point that people will save if you get a free auto insurance quote and switch your policy. How is it plausible that every one can make the same claim? This is the trick they use.

All the different companies have specific guidelines for the type of driver that will not have excessive claims. An example of a driver they prefer might be over age 30, has no prior claims, and does not commute to work. Someone who matches that profile will get low rates and is almost guaranteed to save when switching.

Potential insureds who do not meet these standards may be forced to pay a higher rate with the end result being the customer buying from a different company. The wording the ads use say “people that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how insurance companies can confidently make those claims. Because of the profiling, you really should quote coverage with many companies. It is impossible to guess the company that will be your best fit.

Auto insurance specifics

Understanding the coverages of auto insurance can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability auto insurance – Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, repair costs for stationary objects, repair bills for other people’s vehicles, bail bonds and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as chiropractic care, ambulance fees, doctor visits, prosthetic devices and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, a tree branch falling on your vehicle, damage from flooding and hitting a bird. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

A fool and his money are soon parted

Insureds switch companies for a number of reasons such as policy cancellation, high rates after DUI convictions, not issuing a premium refund or even poor customer service. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

Cheaper insurance coverage can be found both online in addition to many insurance agents, so you should compare both to have the best selection. Some insurance coverage companies do not provide online rate quotes and many times these smaller providers prefer to sell through local independent agencies.

When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your focus should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

More information

• Young Drivers: The High Risk Years Video (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Get the Right Protection (InsureUonline.org)