Compare 1996 Dodge Neon Insurance Quotes

Looking for lower insurance rates? Shoppers have options when shopping for affordable Dodge Neon insurance. They can either waste time struggling with agents to compare prices or leverage the internet to make rate comparisons.

There are both good and bad ways to buy insurance and we’ll show you the best way to compare rates for a new or used Dodge and get the best price possible either online or from local insurance agents.

You should take the time to get comparison quotes before your policy renews due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest premium rates on Neon coverage at your last renewal other companies may now be cheaper. There is a lot of wrong information about insurance out there, but we’re going to give you some great ways to quit paying high insurance rates.

The quickest method we recommend to compare insurance rates from multiple companies is to realize almost all companies pay for the opportunity to compare rate quotes. The only thing you need to do is provide a little information like if a SR-22 is needed, if you went to college, how much coverage you want, and how old drivers are. The data is instantly provided to many highly-rated insurers and they respond with quotes almost instantly.

If you would like to compare rates now, click here and enter your zip code.

Insurance coverage policy discounts you can’t miss

Not too many consumers would say insurance coverage is affordable, but there are discounts available that could help you make your next renewal payment. Many discounts should be triggered when you get a quote, but a few must be inquired about in order for you to get them.

  • Active Service Discounts – Having a family member in the military could qualify you for better premium rates.
  • Discounts for Good Drivers – Insureds without accidents can save as much as half off their rates on Neon coverage than drivers with accidents.
  • Multi-car Discount – Purchasing coverage when you have multiple vehicles with the same insurance coverage company qualifies for this discount.
  • Club Memberships – Affiliation with certain professional organizations is a simple method to lower premiums on insurance coverage.
  • Anti-lock Brake Discount – Cars that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
  • Accident Waiver – Not a discount per se, but a handful of insurance companies will let one accident slide before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Telematics Data – Insureds that choose to allow driving data submission to study driving manner by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as they are good drivers.
  • Discount for Life Insurance – Some insurance coverage companies give a break if you buy a life policy as well.
  • Own a Home and Save – Owning your own home or condo can help you save on insurance coverage since owning and maintaining a home means you have a higher level of financial diligence.

You should keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like you could get a free insurance coverage policy, you won’t be that lucky.

Larger insurance coverage companies and the discounts they provide include:

  • GEICO has savings for air bags, seat belt use, defensive driver, emergency military deployment, and multi-policy.
  • MetLife policyholders can earn discounts including defensive driver, good driver, multi-policy, accident-free, and claim-free.
  • Progressive may have discounts that include multi-vehicle, homeowner, continuous coverage, online signing, and good student.
  • Travelers discounts include student away at school, multi-car, good student, IntelliDrive, and driver training.
  • SAFECO offers discounts including anti-theft, teen safety rewards, safe driver, multi-car, bundle discounts, and anti-lock brakes.
  • AAA offers discounts for multi-car, good student, AAA membership discount, multi-policy, and pay-in-full.

If you need lower rates, check with each company or agent to give you their best rates. Discounts might not be offered on policies in every state. For a list of companies that offer many of these discounts, follow this link.

Insurance agents can help

When buying the best insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Am I covered if I drive in a foreign country?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Learn about insurance coverages for a 1996 Dodge Neon

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

This pays for damage to your Neon caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, driving through your garage door, crashing into a building, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability insurance

This can cover damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as structural damage, bail bonds, emergency aid and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, fire damage, falling objects and damage from a tornado or hurricane. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as prosthetic devices, hospital visits, doctor visits and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Get your money’s worth

Throughout this article, we presented some good ideas how to shop for 1996 Dodge Neon insurance online. The key thing to remember is the more you quote insurance, the higher the chance of saving money. Consumers may even find the best price on insurance is with some of the lesser-known companies.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Cheaper insurance can be purchased online and from local agencies, and you need to price shop both to have the best selection. A few companies may not provide rate quotes online and many times these regional insurance providers only sell through independent agencies.

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