Save on 2000 Dodge Neon Insurance Quotes

Trying to find lower car insurance rates for your Dodge Neon? Feeling guilty for buying overpriced car insurance? Don’t feel bad because there are many consumers feeling the pinch from expensive car insurance. You have so many insurers to insure vehicles with, and even though it’s nice to be able to choose, more options can take longer to find a good deal.

You should make it a habit to get comparison quotes occasionally because car insurance rates are constantly changing. Despite the fact that you may have had the best rate on Neon coverage two years ago other companies may now be cheaper. Block out anything you think you know about car insurance because I’m going to teach you the only way to reduce your cost while increasing coverage.

Cheaper auto insurance rates with discounts

Companies offering auto insurance don’t list all their discounts very clearly, so here is a list both the well known and also the lesser-known discounts that you can inquire about if you buy insurance coverage online.

  • Telematics Devices – Policyholders that allow driving data submission to look at their driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
  • Professional Organizations – Being a member of a qualifying organization could qualify you for a break on your bill.
  • Driver’s Education for Students – Have your child enroll in driver’s education in high school.
  • Homeowners Savings – Being a homeowner can save a few bucks because owning a home is proof that your finances are in order.
  • Federal Government Employee – Federal government employees could qualify for a slight premium decrease on Neon coverage but check with your company.
  • 55 and Retired – Drivers over the age of 55 could receive reduced rates on Neon coverage.
  • Drive Safe and Save – Accident-free drivers may save up to 50% more on Neon coverage than less cautious drivers.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Accident Free – Insureds who avoid accidents and claims pay much less in comparison to drivers with a long claim history.

One last thing about discounts, many deductions do not apply the the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. But all discounts should definitely cut your overall bill.

A list of auto insurance companies and a selection of discounts can be read below.

  • American Family includes discounts for air bags, mySafetyValet, multi-vehicle, early bird, good student, accident-free, and bundled insurance.
  • Farm Bureau may include discounts for multi-policy, youthful driver, multi-vehicle, renewal discount, good student, and driver training.
  • State Farm offers premium reductions for safe vehicle, multiple autos, student away at school, Steer Clear safe driver discount, good student, passive restraint, and multiple policy.
  • Travelers has discounts for new car, home ownership, continuous insurance, hybrid/electric vehicle, and student away at school.
  • The Hartford policyholders can earn discounts including good student, air bag, bundle, vehicle fuel type, anti-theft, defensive driver, and driver training.
  • GEICO offers discounts for federal employee, seat belt use, air bags, emergency military deployment, and multi-vehicle.
  • Progressive may offer discounts for online quote discount, good student, online signing, homeowner, multi-vehicle, and multi-policy.

Before buying, ask every company which credits you are entitled to. A few discounts might not be available to policyholders in every state. To view companies who offer online auto insurance quotes, follow this link.

Affordable car insurance quotes

Finding a better price on car insurance can be quick and easy. All that’s required is to take a few minutes to compare free insurance coverage quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The simplest way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating a different quote for every company. One simple form will return price quotes from many national carriers.
  2. A more difficult way to find better pricing requires a visit to each company website and get a separate price quote. For sake of this example, we’ll pretend you want to compare Nationwide, Allstate and GEICO. To get rate quotes you would need to go to each individual site to enter the same coverage data repeatedly, which can get old fast.

    For a list of companies in your area, click here.

The method you choose is up to you, but be sure to compare exactly the same coverages for every company. If your comparisons have differing limits you will not be able to determine which rate is truly the best.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • Is a fancy paint job covered?
  • Am I covered if I drive in a foreign country?
  • Am I covered if my car is in a flood?
  • Is business equipment covered while in my vehicle?
  • If my 2000 Dodge Neon is totaled, can I afford another vehicle?
  • Am I getting all the discounts available?
  • Does having multiple vehicles earn me a discount?
  • Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Information about specific coverages

Knowing the specifics of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2000 Dodge Neon.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability insurance

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means 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 claims such as medical expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for things like ambulance fees, EMT expenses, doctor visits and nursing services. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverage

This coverage covers damage to your Neon resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a ditch, scraping a guard rail, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, a tree branch falling on your vehicle, falling objects, hitting a bird and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Get your money’s worth

Affordable 2000 Dodge Neon insurance is definitely available both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some companies don’t offer the ability to get quotes online and most of the time these regional insurance providers only sell coverage through independent insurance agents.

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your objective should be to get the best coverage possible for the lowest price, but do not skimp to save money.

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