Trying to find cheaper insurance for a new or used Dodge Neon could be an all-consuming task, but you can follow our car insurance buying tips to save time.
There is a right way and a wrong way to find car insurance online and you need to know the quickest way to quote coverages for your Dodge and locate the best price possible.
You should take the time to do price comparisons on a regular basis due to the fact that insurance rates change frequently. Despite the fact that you may have had the lowest premium rates for Neon insurance on your last policy you can probably find a lower rate today. There is a lot of wrong information about car insurance out there, but in just a couple of minutes you can learn some of the best ways to save money.
If you have a current car insurance policy or need a new policy, you will benefit by learning to get lower rates and still get good coverage. Finding affordable car insurance is easy if you know what you’re doing. Consumers only need to know the proper methods to shop their coverage around online.
An important part of buying insurance is that you know the rating factors that help determine the rates you pay for car insurance. If you have a feel for what determines premiums, this allows you to make good choices that will entitle you to lower premium levels. Multiple criteria are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but other criteria are less obvious such as your credit history or your vehicle rating.
The following are some of the items that factor into your rates.
Getting a cheaper price on 2005 Dodge Neon insurance is not a difficult process. The only thing you need to do is take time getting comparison quotes online from several insurance companies. It’s super easy and can be done using a couple different methods.
The method you choose is up to you, but make darn sure you compare exactly the same deductibles and coverage limits for each comparison quote. If you enter different values for each quote it’s impossible to truly determine the lowest rate.
Consumers constantly see and hear ads that promise big savings from the likes of 21st Century, Allstate and State Farm. All the companies make the point about saving some big amount after switching your policy.
Is it even possible that every company can give you a better price?
Many companies have specific criteria for a prospective insured that will not have excessive claims. For instance, a profitable customer might be a female over age 40, has a clear driving record, and the vehicle is rated for pleasure use. A customer who matches those parameters will most likely get cheap premium rates and as a result will probably save if they switch.
Drivers who are not a match for these stringent criteria will probably have to pay higher rates which translates to the prospect going elsewhere. If you listen closely, the ads state “people that switch” not “everyone that quotes” save money. That’s why insurance companies can advertise the way they do.
Because of this risk profiling, it is so important to compare price quotes frequently. Because without a comparison, you cannot know the company that will have the best premium rates.
Companies offering auto insurance do not advertise every possible discount very well, so we researched a few of the more common as well as some of the hidden discounts that you may qualify for.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts will cut the amount you have to pay.
The best insurance companies and their offered discounts are included below.
Check with every company which discounts can lower your rates. Some credits might not apply in your state.
When choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.
For example, these questions could help you determine if your situation might need professional guidance.
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like EMT expenses, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible
This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
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. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hitting a bird, hitting a deer, damage from a tornado or hurricane, theft and damage from getting keyed. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
This coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision can pay for things such as colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.
Liability insurance provides protection from damage or injury you incur to other’s property or people. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims like court costs, loss of income, medical expenses and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
In this article, we presented quite a bit of information on how to lower your 2005 Dodge Neon insurance rates. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheaper insurance. Drivers may discover the best price on auto insurance is with some of the smallest insurance companies.
When shopping online for auto insurance, make sure you don’t reduce needed coverages to save money. Too many times, an insured cut collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.
Cheaper auto insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not provide price quotes online and most of the time these regional carriers only sell through local independent agencies.
More detailed auto insurance information can be read at these sites:
Sherman Robles
Good detail in your article. I’m in the west part of Concord, NH. I quoted with Amica, MetLife, and a few others for my Neon and cut my rates about $220 a year. Thankfully I’m not a high risk driver.
Corazon Valenzuela
I live just outside South Burlington, VT. Received quotes from Safeco, Encompass, Allstate, and AIG Insurance for my Dodge and saved just over $100 a year. Insured with Eastwood before. It’s easy to compare rates online now.
Mario Flowers
Live in Springfield, MA. I quoted with Western Auto Insurance, AIG Insurance, GMAC, and Nationwide for my Dodge and I think I saved around $40 each month. Even increased my liability limits. They were helpful in switching over.
Sharri Moreno
Lots of useful info here. I live just outside Norman, OK. Quoted with 21st Century, Encompass, and Hanover for my 2005 Dodge Neon and I’m now saving $21 a month. Have an at-fault accident tho.
Lea Williamson
I live on the north side of Birmingham, AL. Received prices from AAA, Esurance, and Safeco for my Neon and saved $508 a year. I even had a DUI years ago. :)
Meagan Clay
I live on the south side of Portland, Maine. I quoted with 21st Century, AAA, Farmers, and Hartford for my Dodge and saved just over $520 a year. Hopefully won’t need it. It’s easy to compare rates online now.
Audie Riddle
If you have a good history and live in the vicinity of Cranston, Rhode Island, check out GEICO. They seem to be cheaper. I have a teen driver too.
Kazuko Dickerson
Any companies in Minneapolis, Minnesota that will insure a DUI?
Louvenia Glover
Any companies in Raleigh, NC that will insure a DUI?
Williemae Rogers
Nice post. From Pittsburgh, Pennsylvania. I quoted with 21st Century, GMAC, and Erie for my Neon and I think I saved around $60 each month. Insured with Western Auto Insurance before. My new agent seems to be really good.
Janet Mccoy
If you’re a decent driver and live in the vicinity of Cleveland, OH, check out State Farm. You might get cheaper rates. They have a lot of discounts available. I quoted rates online then called them.
Michael Whitehead
Looking for cheaper 2005 Dodge Neon insurance in Philadelphia, PA. Help!
Kellee Snyder
Affordable car insurance is a myth. From a town just southwest of Fargo, ND. I quoted with Mercury, Esurance, 21st Century, and AIG Insurance for my Dodge and saved around $530 a year. Was with Mercury. Good savings if you bundle. It’s still not cheap enough.
Nadine Bennett
I got a good deal I think. Live in the eastern part of Rockford, IL. Quoted rates from AIG Insurance, Farmers, and MetLife for my Neon and saved just over $400 a year. Insured with Erie before. Moved home policy as well.
Lashay King
I’m from Bellevue, NE. Received prices from State Farm, Auto-Owners, and some I forget for my 2005 Dodge Neon and saved $383 a year. They were helpful in switching over.
Reiko Christian
Does 21st Century offer new car replacement?
Gustavo Montoya
If you don’t have tickets and live near Lincoln, NE, check out GEICO. They seem to be cheaper. Switched homeowners coverage too. I quoted rates online then called them.