2004 Dodge Neon Insurance Quotes

Do you get exhausted from not being able to afford to make your car insurance payment? You have the same problem as many other drivers.

Many insurers compete for your business, and because of this it can be hard to compare car insurance companies to get the best price available.

Smart consumers take time to compare prices yearly because prices fluctuate regularly. Even if you think you had the lowest rate on Neon insurance a year ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about car insurance because I’m going to teach you the best methods to save on car insurance.

The best way to compare policy rates takes advantage of the fact most of the larger companies have advanced systems to provide you with free rate quotes. To get started, all you need to do is give them rating details such as the ages of drivers, your occupation, whether you have decent credit, and if you lease or own. Those rating factors is then submitted to multiple top-rated companies and they return cost estimate with very little delay.

Insurance rate influencing factors

The best way to find cheaper insurance coverage is to take a look at some of the things that are used to determine the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in cheaper rates.

  • Pay more out-of-pocket – Your deductibles are how much you are willing to pay if the claim is covered. Insurance for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some coverage claims could be rearending another vehicle, damage from fire, and damage from wind. The more money you have to pay, the less your company will charge you for insurance on Neon insurance.
  • High premiums for younger drivers – More experienced drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.Beginning drivers have a tendency to be careless and easily distracted when behind the wheel so they pay higher insurance coverage rates.
  • Cheaper rates by bundling – Most major companies will award discounts to policyholders that have more than one policy. It’s known as a multi-policy discount. This can amount to ten percent or more. Even if you already get this discount, it’s always a smart idea to compare other insurance prices to verify if the discount is saving money.
  • Annual miles is a factor – The more you drive your Dodge in a year’s time the higher your rate. The majority of insurers calculate prices determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate than vehicles that are driven to work every day. It’s always a good idea to double check that your policy shows how each vehicle is driven. Having an incorrect usage rating on your Neon is throwing money out the window.
  • Premiums can change based on your address – Residing in less populated areas has definite advantages when insuring your vehicles. People in densly populated areas tend to have more auto accidents and more time behind the wheel. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
  • Safer cars means lower rates – Vehicles with high crash test scores get lower rates. Vehicles engineered for safety reduce injuries and fewer injuries means less claims paid and lower rates for you.
  • Driving citations will cost you – Having a clean driving record influences premium rates substantially. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Even one speeding ticket or other violation could increase your next policy renewal to the point where it’s not affordable. People who have severe tickets such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Employer impacts insurance coverage rates – Occupations such as lawyers, business owners and accountants generally have higher rates than the rest of us because of high stress levels and lots of time spent away from family. On the flip side, occupations such as farmers, engineers and homemakers generally pay rates lower than average on Neon insurance.

Discounts to earn cheap auto insurance rates

Companies that sell car insurance don’t list all available discounts in an easy-to-find place, so we break down both the well known as well as the least known credits that you can use to lower your rates.

  • Discount for Home Ownership – Owning a home may earn you a small savings since home ownership is proof of financial responsibility.
  • Driver Safety – Taking a driver safety class is a good idea and can lower rates if you qualify.
  • Full Payment Discount – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
  • Lower Rates for Military – Being on active deployment in the military could be rewarded with lower rates.
  • Bundle and Save – If you can bundle your auto and home insurance with one company you could save approximately 10% to 15%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • ABS Brakes – Anti-lock brake equipped vehicles can avoid accidents so you can save 10 percent or more.
  • Mature Driver Discount – Mature drivers can get a small decrease in premiums on Neon insurance.
  • Buy New and Save – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for new model year vehicles.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck.

Large auto insurance companies and their possible discounts can be read below.

  • Travelers has savings for driver training, multi-car, early quote, good student, continuous insurance, new car, and payment discounts.
  • 21st Century offers discounts including teen driver, 55 and older, good student, anti-lock brakes, and driver training.
  • State Farm may offer discounts for passive restraint, student away at school, anti-theft, Drive Safe & Save, Steer Clear safe driver discount, and defensive driving training.
  • GEICO offers discounts for federal employee, multi-vehicle, military active duty, good student, five-year accident-free, and driver training.
  • SAFECO includes discounts for accident prevention training, teen safety rewards, multi-car, homeowner, safe driver, teen safe driver, and bundle discounts.
  • AAA has discounts for pay-in-full, AAA membership discount, anti-theft, multi-policy, good student, and multi-car.

Before you buy a policy, ask all the companies which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders in your area. For a list of auto insurance companies that offer discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • Should I get collision insurance on every vehicle?
  • Is my cargo covered for damage or theft?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I drive in a foreign country?
  • How much can I save by bundling my policies?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage information

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most auto insurance policies.

Collision insurance

Collision coverage covers damage to your Neon resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, crashing into a ditch, backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability car insurance

This coverage will cover damage that occurs to other’s property or people by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as attorney fees, structural damage, repair costs for stationary objects, medical services and loss of income. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for nursing services, doctor visits, ambulance fees, funeral costs and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, fire damage, damage from flooding, rock chips in glass and hitting a bird. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Find Good Coverage for Less

In this article, we covered many ways to compare 2004 Dodge Neon insurance car insurance rates online. It’s most important to understand that the more you quote insurance coverage, the higher your chance of finding inexpensive insurance coverage. Consumers could even find that the lowest priced insurance comes from a small mutual company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. In many instances, someone dropped comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage for the lowest cost and still be able to protect your assets.

Affordable 2004 Dodge Neon insurance can be found online and from local insurance agents, so get free insurance coverage quotes from both of them to get a complete price analysis. There are still a few companies who may not provide rates over the internet and many times these smaller providers provide coverage only through local independent agents.

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