2001 Dodge Neon Insurance Rates

Looking for better car insurance rates for your Dodge Neon? Finding better insurance prices for your Dodge Neon could be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to buy car insurance and we’ll show you the proper way to get price quotes for your Dodge and find the best price possible.

You need to quote other rates once or twice a year because car insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest rate for Neon insurance a few years ago a different company probably has better prices today. Forget anything you know (or think you know) about car insurance because it’s time to teach you the best way to lower your annual insurance bill.

Choosing the best insurance company for you is quite easy. If you have a current car insurance policy or are looking for a new policy, you can use these tips to cut your premiums and still get good coverage. Drivers only need to know the proper methods to compare price quotes over the internet.

Insurance coverage rates and discounts

Insurance coverage is not an enjoyable expense, but there’s a good chance there are discounts to cut the cost considerably. Many of these discounts will be applied automatically at quote time, but a few must be specially asked for in order for you to get them. If you don’t get every credit you deserve, you’re paying more than you need to.

• Distant College Student Discount – who live away from home to go to college and don’t have a car can be insured at a reduced rate.
• ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and will save you 10% or more.
• Military Deployment Discount – Being deployed in the military could trigger a small discount.
• Homeowners Savings – Just being a homeowner can save a few bucks because maintaining a house is proof that your finances are in order.
• Low Mileage Discounts – Low mileage vehicles could qualify for lower insurance coveragerates on the low mileage vehicles.
• Theft Prevention System – Cars with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.

Discounts lower rates, but most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.

Companies and a summarized list of policyholder discounts can be found below.

• 21st Century includes discounts for teen driver, anti-lock brakes, good student, early bird, student driver, driver training, and theft prevention.
• State Farm may include discounts for good student, Drive Safe & Save, accident-free, student away at school, defensive driving training, and good driver.
• AAA may have discounts that include AAA membership discount, good driver, multi-car, good student, pay-in-full, and anti-theft.
• Liberty Mutual may offer discounts for hybrid vehicle, multi-policy, preferred payment discount, new graduate, safety features, and new vehicle discount.
• Progressive offers discounts for multi-policy, online quote discount, good student, homeowner, online signing, continuous coverage, and multi-vehicle.

When quoting, ask each company to apply every possible discount. Some of the earlier mentioned discounts might not be offered in your area.

How to shop insurance coverage online

Performing a rate comparison can take time and effort if you don’t utilize the most efficient way. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get pricing more quickly.

Most car insurance companies take part in a program where insurance shoppers only type in their quote data once, and at least one company provides a quote based on that data. This saves time by eliminating quotation requests to each individual insurance coverage company. To compare pricing click here to start a free quote.

One minor caviat to getting quotes like this is you cannot specify the companies you want pricing from. So if you want to select individual companies to compare, we have assembled a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just try to use exactly the same coverages for each price quote. If you have higher or lower deductibles you will not be able to decipher which rate is best.

Situations that may require an agent’s advice

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions could help you determine whether you will benefit from professional help.

• Is business property covered if stolen from my car?
• Does my 2001 Dodge Neon need full coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I have coverage for damage caused while driving under the influence?
• Am I covered by my spouse’s policy after a separation?
• Can my teen drive my company car?
• Am I covered when driving a rental car?
• Is my 2001 Dodge Neon covered for flood damage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Car insurance coverage information

Having a good grasp of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, colliding with another moving vehicle, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability insurance – Liability coverage protects you from damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like attorney fees, structural damage, repair bills for other people’s vehicles, pain and suffering and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, damage from flooding and falling objects. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for bills like doctor visits, dental work, chiropractic care and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses 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. This is the reason having UM/UIM coverage is a good idea.

Coverage on a shoestring budget

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The ultimate goal is to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

You just learned quite a bit of information on how to reduce 2001 Dodge Neon insurance rates online. The most important thing to understand is the more providers you compare, the higher your chance of finding cheaper insurance coverage. You may be surprised to find that the lowest rates are with a small local company.

Cost effective 2001 Dodge Neon insurance is possible from both online companies and from local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not have online price quotes and usually these smaller companies provide coverage only through independent agencies.

More tips and info about insurance is located by following these links:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)