1995 Dodge Neon Car Insurance Quotes

Trying to find the cheapest auto insurance rates? Buyers have a choice when searching for the lowest priced Dodge Neon insurance. They can either spend hours calling around to get rate comparisons or use the internet to find the lowest rates.

There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the proper way to price shop coverage for your Dodge and find the lowest price.

It’s a good habit to take a look at other company’s rates at least once a year because insurance prices change quite often. Even if you think you had the lowest price on Neon insurance at your last renewal you can probably find a lower rate today. There is a lot of bad information regarding auto insurance online, but we’re going to give you some of the best techniques to quit paying high auto insurance rates.

If you have a policy now or need a new policy, you can follow these tips to find the best rates while maintaining coverages. This information will introduce you to how car insurance quotes work and some money-saving tips. Vehicle owners just need to know the proper way to shop for insurance online.

How you can control Dodge Neon insurance rates

A large part of saving on auto insurance is knowing some of the elements that help calculate the price you pay for auto insurance. When you understand what determines premiums, this allows you to make educated decisions that can help you get big savings.

Listed below are some of the factors companies use to determine your rate level.

  • Discounts for married drivers – Getting married helps lower the price on your auto insurance policy. It is viewed as being more financially stable and it’s proven that married drivers tend to have fewer serious accidents.
  • Your age impacts your rates – More experienced drivers are more responsible, file fewer claims , and are generally more financially stable.Teenage drivers tend to be inattentive and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher.
  • Battle of the sexes – Statistics show that women are safer drivers than men. It does not mean men are WORSE drivers than women. They both are in at-fault accidents in similar percentages, but the male of the species have costlier accidents. Men also statistically get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are most likely to cause an accident and therefore are the most expensive to insure.
  • Reduce prices by driving vehicles with better crash test results – Cars with five star safety ratings get lower rates. Vehicles built for safety protect occupants better and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums. If your Dodge has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Only buy coverage you need – There are a lot of additional coverages you can purchase but may not be useful. Coverages for vanishing deductibles, death and dismemberment, and term life insurance may be wasting your money. You may think they are a good idea when discussing your needs, but your money might be better spent on other coverage so eliminate them to save money.
  • Your address can influence price – Residing in less populated areas of the country can be a good thing when insuring your vehicles. Less people means reduced accidents and also fewer theft and vandalism claims. People in densly populated areas tend to have more road rage incidents and longer commutes to work. The longer drive time means more chances of being involved in an auto accident.
  • Low stress job equals lower rates – Careers like military personnelair traffic controllers and stock brokers generally have the highest rates in part from stressful work requirements and lots of time spent away from family. Other jobs like farmers, engineers and homemakers pay the least on Neon insurance.

Free auto insurance price quotes

Many insurance companies make it easy to get coverage price quotes on their websites. This process is easy for anyone because it’s just a matter of typing in your coverage preferences as detailed in the form. After you submit the form the system requests information on your driving record and credit history and quotes a price based on these and other factors.

Online price estimates streamlines rate comparisons, but the work required to visit different websites and complete many quote forms is a waste of time. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest possible prices on auto insurance.

The smarter way to locate the lowest prices utilizes a single form that obtains quotes from several different companies. This type of form saves time, requires much less work on your part, and makes comparison shopping much more enjoyable. Once the form is submitted, it is quoted with multiple companies and you can pick any of the quotes returned.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process takes less than 15 minutes and can result in significant savings.

In order to compare pricing, click here to open in new window and submit the form. If you currently have coverage, we recommend you enter the coverages identical to your current policy. Using the same limits helps guarantee you are getting rate quotes based on identical coverages.

Switch companies and save? Really?

Consumers can’t ignore all the ads that claim the cheapest premium rates from companies such as State Farm and Allstate. All the companies say the same thing that drivers will save a bundle if you get a free auto insurance quote and switch your coverage to them.

That’s great but how can every company claim to save you money? It’s all in the wording.

All companies have underwriting criteria for the type of driver that makes them money. One example of a driver they prefer might be described as a married male, has no tickets, and drives less than 10,000 miles a year. Any driver who fits that profile gets the lowest premium rates and will most likely save when switching.

Insureds who don’t qualify for the requirements will be quoted a more expensive rate which translates to business not being written. The ads state “people who switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can confidently make the claims of big savings.

This really illustrates why drivers should compare quotes as often as possible. Because without a comparison, you cannot know the company that will be your best fit.

Earn discounts on auto insurance

Companies offering auto insurance don’t list the entire discount list in an easy-to-find place, so the next list breaks down both the well known and also the lesser-known savings tricks you should be using when you buy auto insurance online.

  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
  • Government Employees – Active or retired federal employment could provide a small rate reduction on Neon insurance with select insurance companies.
  • No Charge for an Accident – but companies like State Farm and Allstate permit an accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
  • Military Deployment Discount – Having a family member in the military could mean lower prices.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you lower rates if you buy some life insurance too.
  • Theft Deterent – Cars that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
  • Discount for New Cars – Insuring a new car can save up to 30% because newer models are generally safer.
  • Membership in Organizations – Belonging to a civic or occupational organization is a simple method to lower premiums on your bill.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more.

Don’t be shocked that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it’s just not the way it works.

If you would like to view companies that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • Does my insurance cover a custom paint job?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why do I only qualify for high-risk insurance?
  • What exactly is covered by my policy?
  • Am I covered if I break a side mirror?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Coverages available on your policy

Understanding the coverages of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, structural damage and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This pays for damage to your Neon caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses such as funeral costs, ambulance fees, pain medications and surgery. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane, vandalism, fire damage and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Pennies from heaven

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced liability coverage limits only to regret that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

You just read a lot of techniques to lower your 1995 Dodge Neon insurance rates. The key concept to understand is the more you quote auto insurance, the better your comparison will be. Consumers could even find that the most savings is with some of the lesser-known companies.

Budget-conscious 1995 Dodge Neon insurance is possible both online and also from your neighborhood agents, so you need to shop auto insurance with both to get a complete price analysis. Some insurance companies don’t offer online rate quotes and usually these small insurance companies only sell coverage through local independent agents.

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