Cheap 2000 Dodge Neon Insurance Cost

Searching for the cheapest auto insurance rates for your Dodge Neon? Locating the cheapest insurance for a new or used Dodge Neon can be an all-consuming task, but you can follow our auto insurance buying tips to make it easier. There is a right way and a wrong way to find auto insurance online so you’re going to learn the best way to price shop coverage for your Dodge and locate the lowest possible price.

You should make it a habit to do rate comparisons periodically because auto insurance prices change frequently. Despite the fact that you may have had the lowest price for Neon insurance a year ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate the fastest way to lower your rates without sacrificing coverage.

Compare free car insurance rate quotes

Performing a rate comparison can take time and effort if you don’t know the most efficient way. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could use the web to accomplish the same thing much quicker.

Many insurance companies participate in an industry program where prospective buyers submit their information once, and every company then returns a price quote based on that data. This prevents consumers from doing quote requests to every company.

To compare pricing click here (opens in new window).

The one disadvantage to using this type of system is that you can’t choose which insurance companies you want pricing from. If you wish to select specific providers to compare, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just make sure you use the exact same coverages and limits on every quote. If you compare higher or lower deductibles it will be nearly impossible to make a fair comparison for your Dodge Neon.

But they said I’d save $489 a year!

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Geico, State Farm and Progressive. All the ads have a common claim that drivers will save a bundle just by moving your policy.

But how can every company make almost identical claims? This is the trick they use.

Insurance companies quote their best rates for a prospective insured that earns them a profit. For example, this type of driver may be over the age of 50, has no claims, and drives newer vehicles. A customer that fits those parameters will probably get cheap premium rates and as a result will probably save if they switch.

Drivers who don’t meet these criteria may be forced to pay more expensive rates which translates to the driver buying from a lower-cost company. If you pay attention, the ads say “people that switch” not “all people who quote” save that much when switching. That’s why insurance companies can make those claims. This really emphasizes why you should compare many company’s prices. Because without a comparison, you cannot know with any certainty which company will fit you best based on your risk profile.

Informed consumers know how to quote car insurance at a discount

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help calculate car insurance rates. When you know what positively or negatively determines base rates, this enables informed choices that may reward you with lower rates.

The factors shown below are some of the factors used by companies to determine your premiums.

• Married people drive safer – Your spouse actually saves money when shopping for car insurance. It is viewed as being more mature and responsible and statistics prove married drivers tend to have fewer serious accidents.
• Accidents cost more than a fine – Your driving record has a big impact on rates. Drivers with clean records have lower premiums than people who have multiple driving citations. Only having one speeding ticket can boost insurance rates by twenty percent. Drivers with flagrant violations such as DWI, reckless driving or hit and run convictions might be required by their state to prove financial responsibility with their state DMV in order to continue driving.
• Your credit rating is important – Having a bad credit history factor in calculating your car insurance rates. Therefore, if your credit history leaves room for improvement, you could save money insuring your 2000 Dodge Neon by spending a little time repairing your credit. People with good credit tend to be more responsible than those with lower credit scores.
• Do you really need to file that car insurance claims? – If you frequently file small claims, don’t be surprised to see either policy cancellation or increased premiums. Insurance companies give lower rates to insureds who are claim-free. Your car insurance is intended for more catestrophic claims.
• More traffic means higher claims – Residing in small towns and rural areas has it’s advantages when insuring your vehicles. Less people translates into fewer accident claims and also fewer theft and vandalism claims. Residents of big cities tend to have more aggressive driving styles and more severe claims. Longer commute distances can result in more accidents.
• Amount of liability insurance – Liability coverage will provide protection if you are ruled to be at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage to defend your case. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Commute or pleasure use – The higher the miles on your Dodge in a year’s time the more it will cost to insure it. A lot of companies rate vehicles based on their usage. Autos that are left in the garage qualify for better rates than vehicles that are driven to work every day. It’s always a good idea to double check that your car insurance policy is showing the proper vehicle usage, because improper ratings can cost you money. Incorrect rating for your Neon is throwing money out the window.

Take advantage of every insurance coverage discount

Insuring your vehicles can cost a lot, but you might find some hidden discounts to help bring down the price. Many of these discounts will be applied automatically when you get a quote, but a few need to be inquired about before being credited. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

• Save with a New Car – Buying a new car model is cheaper since newer models have better safety ratings.
• Homeowners Discount – Simply owning a home can help you save on insurance coverage because of the fact that having a home requires personal responsibility.
• Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents so companies give up to a 10% discount.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
• Driver Safety – Participating in a class that teaches safe driver techniques could earn you a small percentage discount and make you a better driver.
• Service Members Pay Less – Having a deployed family member can result in better rates.
• Federal Government Employee – Federal government employees can earn a discount up to 10% for Neon insurance with certain companies.
• Payment Discounts – By paying your entire bill at once rather than paying monthly you can avoid the installment charge.

A little disclaimer on discounts, some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way.

A few popular companies and their offered discounts are:

• 21st Century offers discounts for early bird, driver training, theft prevention, homeowners, air bags, automatic seat belts, and defensive driver.
• Progressive may include discounts for online signing, homeowner, continuous coverage, good student, and multi-vehicle.
• State Farm has discounts for driver’s education, Steer Clear safe driver discount, accident-free, Drive Safe & Save, multiple autos, and defensive driving training.
• Nationwide includes discounts for anti-theft, defensive driving, easy pay, multi-policy, good student, and Farm Bureau membership.
• Esurance has savings for Pac-12 alumni, homeowner, DriveSense, defensive driver, Switch & Save, and multi-car.
• The Hartford policyholders can earn discounts including anti-theft, good student, defensive driver, air bag, bundle, vehicle fuel type, and driver training.

When getting a coverage quote, ask all the companies which discounts can lower your rates. Some discounts may not apply to policies in your area. To see insurance coverage companies who offer online insurance coverage quotes, click this link.

How to know if you need help

When buying coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether you would benefit from professional advice.

• Is my 2000 Dodge Neon covered for flood damage?
• Do I need rental car coverage?
• Is my business laptop covered if it gets stolen from my vehicle?
• What are the financial responsibility laws in my state?
• Which is better, split liability limits or combined limits?
• Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance policy coverages for a Dodge Neon

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical expense coverage

Med pay and PIP coverage kick in for expenses for doctor visits, EMT expenses and ambulance fees. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, rock chips in glass and theft. The highest 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.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Dodge Neon.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, hitting a mailbox, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims such as attorney fees, structural damage and court costs. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Compare but don’t skimp

You just learned a lot of ways to compare 2000 Dodge Neon insurance auto insurance rates online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best auto insurance rates are with some of the smallest insurance companies.

Lower-priced car insurance can be bought both online and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer online rate quotes and most of the time these small, regional companies only sell coverage through local independent agents.

People change insurance companies for a number of reasons such as being labeled a high risk driver, not issuing a premium refund, delays in paying claims or extreme rates for teen drivers. Whatever your reason, finding a great new company can be easier than you think.

For more information, link through to the resources below:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Top Signs Your Brakes are Giving Out (State Farm)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)