View 1998 Dodge Neon Insurance Rates

Trying to find cheaper car insurance rates for your Dodge Neon? If you’ve never shopped for auto insurance quotes online, most likely you are baffled because of the huge number of insurance providers that all say they have the best rates.

Consumers need to price shop coverage every six months since prices change quite often. If you had the lowest rates on Neon insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about car insurance because I’m going to teach you the quickest way to find lower rates on car insurance.

Buying car insurance is not rocket science. If you are paying for car insurance now, you will most likely be able to save some money using these tips. But car owners do need to learn how insurance companies price online insurance.

How to get free insurance quotes online

There are a variety of methods to compare insurance quotes, and some are easier and takes less work. You can waste a few hours (or days) talking to local insurance agents in your area, or you could use the web to quickly compare rates.

Many of the larger companies take part in a program that allows shoppers to send in one quote, and at least one company provides a quote determined by their information. This prevents consumers from doing repetitive form submissions for every insurance company.

To enter your information into the quoting system, click to open in new window.

The only drawback to getting quotes like this is you are unable to specify which insurance companies you want to price. If you would rather choose specific providers to receive pricing from, we put together a list of companies who write insurance in your area. View list of insurance companies.

It’s up to you which method you use, but make sure you compare the same coverage information on every quote you get. If the quotes have differing limits it will be very difficult to get a fair rate comparison. Slightly different coverage limits could skew the results. Just keep in mind that comparing all the rates in your area will increase your chances of finding a better price. Some regional insurers cannot provide online quotes, so it’s important to also get price quotes from those companies as well.

Drivers can save with with these discounts

Some companies don’t always list every available discount very well, so the next list breaks down some of the more common as well as the least known credits that may apply to you.

• Discounts for Federal Employees – Active or former government employment could cut as much as 10% off on Neon insurance but check with your company.
• E-sign – A few larger companies will give a small break for buying your policy over the internet.
• Early Signing – Some larger companies provide a discount for switching to them before your current coverage expires. You can save around 10% with this discount.
• Distant Student Discount – Kids who attend college more than 100 miles from home and do not have a car may qualify for this discount.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
• Discounts for New Vehicles – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it’s just not the way it works.

Large car insurance companies and some of the discounts are detailed below.

• State Farm may have discounts that include anti-theft, accident-free, multiple autos, multiple policy, student away at school, good driver, and Drive Safe & Save.
• American Family may include discounts for accident-free, early bird, good student, multi-vehicle, bundled insurance, and Steer into Savings.
• GEICO includes discounts for anti-lock brakes, federal employee, multi-vehicle, seat belt use, and membership and employees.
• 21st Century has savings for homeowners, teen driver, theft prevention, air bags, defensive driver, and good student.
• Progressive offers discounts including online signing, homeowner, continuous coverage, online quote discount, good student, multi-vehicle, and multi-policy.

When getting a coverage quote, ask all companies you are considering how you can save money. All car insurance discounts may not be offered in your area.

Your situation helps dictate your coverage

When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions might help in determining if your situation could use an agent’s help.

• Should I buy only the required minimum liability coverage?
• Are my friends covered when driving my 1998 Dodge Neon?
• Is upholstery damage covered by car insurance?
• Does my insurance cover a custom paint job?
• Do all my vehicles need collision coverage?
• What is the difference between comprehensive and collision coverage?
• Do I need to file an SR-22 for a DUI in my state?
• When should I buy a commercial auto policy?
• Does having multiple vehicles earn me a discount?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverages

Understanding the coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, rock chips in glass, a tree branch falling on your vehicle, hitting a deer and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like chiropractic care, nursing services and surgery. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision – Collision insurance will pay to fix damage to your Neon from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, damaging your car on a curb, scraping a guard rail, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for liability – Liability coverage will cover damage that occurs to a person or their property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, attorney fees and structural damage. How much coverage you buy is your choice, but consider buying higher limits if possible.