Cheaper 1999 Dodge Neon Insurance Cost

Trying to find lower auto insurance rates for your Dodge Neon? Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say many drivers feel the same as you.

Due to the abundance of companies to choose from, it can be impossible to pick the most cost effective auto insurance company.

It’s important to get comparison quotes quite often because prices are adjusted regularly by insurance companies. Even if you think you had the lowest price for Neon insurance a year ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, but I’m going to show you some guaranteed methods to lower your auto insurance rates.

Finding affordable coverage is not rocket science. Just about every vehicle owner who has to buy car insurance stands a good chance to be able to reduce their rates. But drivers can benefit by having an understanding of how insurance companies price online insurance.

Take advantage of every car insurance discount

Car insurance is neither fun to buy or cheap, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but some must be inquired about before you will receive the discount.

Active Military Service – Having a deployed family member could trigger a small discount.
Theft Deterent System – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote compared to frequent claim filers.
Low Mileage Discounts – Driving less can qualify you for discounted rates on garaged vehicles.
Multiple Policy Discount – If you insure your home and vehicles with the same company you may save as much as 10 to 15 percent.
Student Discounts – Getting good grades can get you a discount of up to 25%. You can use this discount normally until age 25.

Remember that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, that’s just not realistic.

The best car insurance companies and the discounts they provide are:

GEICO has discounts for seat belt use, daytime running lights, multi-vehicle, five-year accident-free, multi-policy, and emergency military deployment.
Auto-Owners Insurance offers premium reductions for air bags, paperless, multi-policy, good student, safe driver, and teen driver.
American Family has savings for defensive driver, early bird, TimeAway discount, good student, Steer into Savings, and bundled insurance.
Esurance offers discounts including Pac-12 alumni, safety device, Switch & Save, paid-in-full, multi-policy, DriveSense, and claim free.
Progressive discounts include good student, multi-vehicle, homeowner, multi-policy, and online quote discount.
State Farm offers discounts for student away at school, Steer Clear safe driver discount, safe vehicle, driver’s education, and multiple policy.
AAA may include discounts for education and occupation, multi-policy, pay-in-full, anti-theft, good driver, AAA membership discount, and good student.

When quoting, ask each company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in every state. To find insurers that have a full spectrum of discounts, click here to view.

How to compare insurance coverage quotes

To find low cost auto insurance quotes, there are several ways of comparing rates from many available insurance coverage companies in your state. The quickest method to find the cheapest Dodge Neon insurance rates involves getting comparison quotes online. This is quite simple and can be completed by using one of the methods below.

If you’re in a hurry, the quickest way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This type of form eliminates the need for repetitive form submissions to each individual insurance coverage company. A single form compares rates from multiple low-cost companies.
A more difficult way to find more affordable insurance is to manually visit the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll assume you need rates from USAA, Allstate and American Family. You would need to navigate to each company’s site and repeatedly enter your information, which can get rather old.
For a list of links to insurance companies in your area, click here.
The least efficient and most time consuming method to price shop rates to each insurance agency near you. Comparing rate quotes online reduces the need to sit down with an agent unless you have a complicated situation and need the professional guidance of a local agent. You can, however, price shop your coverage online and still use a local agent.

You can use whichever method you prefer to find lower rates, just be certain you are entering the same deductibles and coverage limits with each company. If you have different values for each quote it’s not possible to truly determine the lowest rate. Having just a slight variation in coverage limits may result in a large different in cost. And when quoting insurance coverage, remember that making a lot of price comparisons helps increase your odds of locating more affordable rates. Some insurance companies are not set up to provide price estimates online, so you also need to get price quotes from those companies as well.

Informed decisions result in lower insurance premiums

Multiple criteria are used when pricing auto insurance. A few of the factors are predictable like your driving record, although others are less apparent like your continuous coverage or your financial responsibility.The best way to find cheaper car insurance is to take a look at a few of the rating criteria that aid in calculating car insurance rates. If you know what controls the rates you pay, this helps enable you to make changes that could result in lower rates.

Shown below are some of the items used by your company to calculate your rates.

Marriage can lower premiums – Being married actually saves money on your car insurance policy. It may mean you are more mature and it’s statistically proven that drivers who are married are more cautious.
Poor credit decisions can cost you – An insured’s credit rating is likely to be a major factor in your rate calculation. People that have high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower ratings. If your credit rating can be improved, you may save money insuring your 1999 Dodge Neon by improving your rating.
Extra coverages you don’t use – There are quite a few optional add-on coverages that can waste your money on your Neon policy. Coverages for roadside assistance, towing, and membership fees are some examples. They may seem like a good idea when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.
Increase deductibles to save – Protection for physical damage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some coverage claims are collision with another vehicle, damage caused by hail, and damage from a fallen tree branch. Your deductibles represent how much money you are willing to pay if a claim is determined to be covered. The more the insured has to pay upfront, the less your car insurance will be for Neon insurance.
Get a ticket, pay higher costs – Drivers with clean records pay less for auto insurance as compared to careless drivers. Having just one driving citation can bump up the cost by twenty percent. People who have license-revoking violations like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state’s licensing department in order to legally drive a vehicle.

How to know if you need help

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

Do I need added coverage for expensive stereo equipment?
Do I need higher collision deductibles?
Am I missing any policy discounts?
Is upholstery damage covered by car insurance?
How much can I save by bundling my policies?
Can I still get insurance after a DUI?
Can my babysitter drive my car?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage considerations

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

Collision – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, sideswiping another vehicle, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Liability car insurance – This coverage can cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

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 liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as court costs, pain and suffering and legal defense fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Neon.

Since a lot of 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 should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses like ambulance fees, doctor visits, pain medications and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, hitting a bird, theft and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Do the work, save more money

Cheaper auto insurance can be purchased from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide online rate quotes and most of the time these smaller providers prefer to sell through independent insurance agencies.

As you quote auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage only to regret at claim time that the small savings ended up costing them much more. The goal is to find the BEST coverage at the best cost while not skimping on critical coverages.

We’ve covered a lot of information how to reduce 1999 Dodge Neon insurance rates online. It’s most important to understand that the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Smaller companies can often provide lower car insurance rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.