Lower Your 1997 Dodge Neon Insurance Rates

Are you overwhelmed by the number of insurance coverage choices? Many other drivers are as well. You have such a vast assortment of choices available that it is a challenge to lower your rates.

You need to quote other rates yearly because prices change regularly. Even if you got the best deal on Neon insurance a year ago there may be better deals available now. Forget all the misinformation about insurance coverage because you’re about to learn how to quote online to properly buy coverages while reducing your premium.

The purpose of this article is to teach you the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. But car owners must comprehend how insurance companies market on the web because it can help you find the best coverage.

Buy auto insurance online

There are a lot of ways to shop for auto insurance, but one way is easier and takes less work. You could spend the better part of a day driving to agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most car insurance companies enroll in a system where prospective buyers enter their policy data once, and each participating company then returns a price quote determined by their information. This eliminates the need for quotation requests for each company.

To access this free quoting program, click here (opens in new window).

The only downside to using this type of form is you cannot specify the insurers you will receive quotes from. If you wish to select from a list of companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make sure you are using apples-to-apples information for every company. If you have different coverage information you will not be able to get a fair rate comparison. Slightly different insurance coverages can result in a big premium difference. Just keep in mind that comparing a wide range of rates increases the change that you will find the best offered rates. Some insurance companies are not set up to provide prices over the internet, so it’s necessary to compare price quotes from the smaller companies as well.

Start a Quote Now

Verify you’re applying every discount

The cost of insuring your cars can be expensive, but there could be significant discounts that you may not even know about. Many of these discounts will be applied automatically when you quote, but some need to be inquired about in order for you to get them.

New Vehicle Savings – Putting coverage on a new car can save up to 30% compared to insuring an older model.
Drive Less and Save – Driving fewer miles can qualify you for slightly better rates than normal.
Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
Student Discounts – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
Early Signing – A few companies allow discounts for switching policies prior to the expiration date on your current policy. This discount can save up to 10%.
Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles on one policy may reduce the rate for each vehicle.
No Claims – Claim-free drivers can save substantially as compared to drivers with a long claim history.
Paperless Signup – A handful of insurance companies give back up to $50 shop insurance coverage on the web.
Mature Driver Discount – Seniors may receive a slight reduction on a insurance coverage quote on Neon insurance.
Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates on Neon insurance compared to rates paid by drivers with frequent claims.

Just know that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

To find insurance companies who offer discounts, click here.

Why informed drivers pay less for Dodge Neon insurance

Many different elements are used in the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, although others are less apparent such as your credit history and annual miles driven.

The list below includes some of the items used by companies to determine premiums.

Occupation stress can affect auto insurance rates – Do you work in a high-stress field? Occupational choices like military personnelpolice officers and accountants tend to pay higher rates than the rest of us in part from high stress and long work days. On the other hand, careers such as farmers, engineers and the unemployed generally pay rates lower than average on Neon insurance.
Buy as much liability protection as you can afford – Your auto insurance policy’s liability coverage is the coverage that protects you if a court rules you are at fault for damages caused by your negligence. Your liability coverage provides legal defense coverage starting from day one. It is affordable coverage compared to comp and collision, so buy as much as you can afford.
Older drivers are lower risk – Inexperience drivers are statistically shown to be inattentive and easily distracted when at the wheel of a vehicle so auto insurance rates are higher. More experienced drivers are viewed as being more responsible, file fewer claims and tend to be get fewer driving tickets.
Vehicles with better crash test results cost less to insure – Cars with high safety ratings cost less to insure. Safe vehicles protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates.
Accidents hurt – Just one citation can bump up the cost twenty percent or more. Good drivers receive lower rates than people who have multiple driving citations. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may find that they have to to file a SR-22 with their state DMV in order to legally drive.
Save money by raising coverage deductibles – Physical damage deductibles state the amount of money you are willing to pay before your auto insurance pays a claim. Insurance for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some instances where coverage would apply are colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more expense the insured has to pay upfront, the less your company will charge you for insurance on Neon insurance.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage, there is no best way to insure your cars. Each situation is unique.

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

Should I file a claim if it’s only slightly more than my deductible?
When should I drop full coverage on my 1997 Dodge Neon?
Can I afford to buy a different vehicle if my 1997 Dodge Neon is totaled?
Why does it cost so much to insure a teen driver?
Does my policy cover my teen driver if they drive my company car?
Does my medical payments coverage pay my health insurance deductible?
What is the rate difference between pleasure use and commuting?
Is business property covered if stolen from my car?
Can I drive in Mexico and have coverage?
Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Insurance advertisements

Allstate, GEICO and Progressive endlessly run television and radio advertisements. All the companies say the same thing that you can save if you move your policy. Is it even possible that every company can say the same thing? Here is how they do it.

Companies have an ideal profile for the type of customer that will not have excessive claims. One example of this type of risk profile might be over the age of 35, has never had a claim, and chooses high deductibles. A customer who fits those characteristics will qualify for the lowest rates and therefore will save quite a bit of money when switching.

People who cannot meet this ideal profile may be required to pay higher rates with the end result being the customer not purchasing. The trick is to say “customers who switch” not “everyone that quotes” save that much. That is how companies can make those claims.

This really illustrates why it’s extremely important to get as many free insurance coverage quotes as possible. It’s not possible to predict the company that will provide you with the cheapest rates.

Insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, scraping a guard rail, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like prosthetic devices, ambulance fees, nursing services, funeral costs and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, a tree branch falling on your vehicle and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these coverages are set the same as your liablity limits.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like structural damage, attorney fees and loss of income. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Shop smart and save

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. In many instances, 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 price but still have enough coverage for asset protection.

We’ve covered many ways to compare 1997 Dodge Neon insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding low cost insurance coverage. Drivers may discover the biggest savings come from some of the lesser-known companies.

People change insurance companies for a number of reasons such as policy non-renewal, not issuing a premium refund, high rates after DUI convictions or lack of trust in their agent. It doesn’t matter what your reason, switching companies can be easier than you think.

For more information, link through to the articles below: