2005 Dodge Neon Car Insurance Quotes

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.

How your Neon insurance costs are determined

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.

• Use one insurance company and save – Most larger companies give a discount to customers who consolidate policies with them such as combining an auto and homeowners policy. The discount can add up to ten or even fifteen percent. Even with this discount, you may still want to compare rates to guarantee you are still saving the most.
• How many miles do you drive? – The higher the mileage driven in a year’s time the more you’ll pay to insure it. Many insurance companies calculate prices based upon how you use the vehicle. Cars used primarily for pleasure use receive better premium rates than those that get driven frequently. It’s always a good idea to double check that your car insurance declarations sheet reflects the correct driver usage, because it can save money. Improper usage on your Neon may be costing you higher rates.
• Don’t cut corners with liability insurance – Your car insurance policy’s liability coverage will afford coverage in the event that you are found to be at fault for damages from an accident. It provides legal defense coverage which can cost a lot. Liability is cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.
• Cheaper rates after marriage – Having a wife or husband may earn you lower rates when shopping for car insurance. It is viewed as being more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Buy car insurance online

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 simplest way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do repetitive form submissions for each price estimate. One simple form compares rates from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
• A less efficient way to analyze rates consists of going to each company’s website and request a quote. For example, we’ll pretend you want rates from Nationwide, 21st Century and Farmers. In order to get each rate, you would have to navigate to each company’s site and punch in your information repeatedly, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.
• The most difficult method to compare price quotes is actually driving to local insurance agencies. Comparing online rate quotes makes this process obsolete unless your situation requires the trained advice that can only be provided by a licensed insurance agent. Although you can comparison shop your insurance online but purchase the actual policy in an agency.

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.

Does auto insurance advertising bend the truth?

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.

Insurance discounts are available to lower your 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.

• Safe Driver Discounts – Safe drivers could pay up to 40% less for Neon insurance than drivers with accident claims.
• Professional Organizations – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on insurance.
• ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
• Savings for New Vehicles – Insuring a new car can get you a discount because newer models have to meet stringent safety requirements.
• Air Bag Discount – Options like air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Military Deployment Discount – Being on active duty in the military could trigger a small discount.
• Early Switch Discount – Select larger companies give a discount for signing up prior to your current policy expiration. You may see this discount when you get insurance quotes online.
• Safety Restraint Discount – Buckling up and requiring all passengers to buckle up could save 15% on medical payment and PIP coverage.
• Government Employees – Having worked for a branch of the government can save as much as 8% for Neon insurance with a few insurance companies.
• Driver Education Discount – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.

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.

• State Farm may have discounts that include good student, defensive driving training, multiple autos, student away at school, good driver, driver’s education, and Drive Safe & Save.
• Liberty Mutual offers discounts for new graduate, newly married, safety features, multi-policy, and good student.
• American Family has savings for good student, defensive driver, Steer into Savings, mySafetyValet, TimeAway discount, bundled insurance, and early bird.
• Progressive may include discounts for multi-vehicle, multi-policy, homeowner, online quote discount, and online signing.
• Farmers Insurance includes discounts for alternative fuel, electronic funds transfer, homeowner, good student, and multi-car.
• Auto-Owners Insurance offers premium reductions for multiple vehicles, good student, air bags, multi-policy, paperless, anti-theft, and safe vehicle.
• SAFECO policyholders can earn discounts including accident prevention training, anti-theft, drive less, safe driver, and teen safe driver.

Check with every company which discounts can lower your rates. Some credits might not apply in your state.

Everyone needs different insurance coverages

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.

• Will filing a claim cost me more?
• Is pleasure use cheaper than using my 2005 Dodge Neon to commute?
• Is a fancy paint job covered?
• How does medical payments coverage work?
• Should I buy additional glass protection?
• Do I need motorclub coverage?

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.

Educate yourself about car insurance coverages

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.

Medical payments and PIP coverage

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

UM/UIM (Uninsured/Underinsured Motorist) coverage

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.

Comprehensive auto coverage

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.

Coverage for collisions

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

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 the end, you save

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:

• Auto Crash Statistics (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)