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 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.
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.
When quoting, ask each company to apply every possible discount. Some of the earlier mentioned discounts might not be offered in your area.
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.
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.
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.
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.
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:
Vanda Emerson
Nice post. From northwest of Tampa, Florida. Got car insurance prices from American Family, Farmers, and Sentry for my Dodge and I’m now saving $24 a month. Not sure if rates are cheaper online or through an agent. Next renewal I’ll just do liability.
Theron Lyons
Thought I’d throw in my experience. Went with Safeco for my Dodge and am saving around $80 a year. Insured with Liberty Mutual before. I have a teen driver too.
Toshia Noel
Great site. Found cheapest coverage with Travelers for my Dodge and saved around $90 a year. I get multi-vehicle and multi-policy discounts. They were helpful in switching over. When should I drop full coverage?
Chelsie Oneal
Will Allstate do a SR22 in Arizona?
Cinthia Lester
Will Allstate raise rates after an accident?
Dwana Lee
State Farm is cheapest in Hawaii! :)
Rutha Dawson
Great site. I’m just east of Warren, Michigan. Quoted prices from Mercury, Erie, GEICO, and Amica for my 2001 Dodge Neon and I think I saved about $10 each month. It was easy to get rates. Next renewal I’ll just do liability.
Jayme Gould
Live in Huntington, WV. Don’t remember every company but I ended up saving about $10 each month. Was with Hartford. I’m thinking about dropping full coverage though.
Nikita Contreras
I live just outside Detroit, MI. Received prices from Safeco, Farmers, GEICO, and AAA for my 2001 Dodge Neon and I’m now saving $13 a month. Did it all online. I just carry liability insurance.