Compare 1996 Dodge Neon Car Insurance Rates

Searching for cheaper insurance for a Dodge Neon can normally be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to compare insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Dodge and get the cheapest rates either online or from local insurance agents.

It’s important to compare rates yearly since insurance prices trend upward over time. Even if you got the best rates for Neon coverage a year ago there is a good chance you can find better premium rates now. There is a lot of wrong information about insurance on the web, but in this article, you’re going to get some great ways to put money back in your pocket.

Get cheaper car insurance with discounts

Some insurance providers don’t always list the complete list of policy discounts very well, so we took the time to find some of the more common and the more hidden discounts that you can inquire about if you buy insurance online.

  • Accident Forgiveness – but a few companies such as Allstate and Geico permit an accident without the usual rate increase if you have no claims prior to being involved in the accident.
  • Mature Driver Discount – If you qualify as a senior citizen, you can get a discount up to 10% for Neon coverage.
  • Good Student – Excelling in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Driver Training Discounts – Successfully completing a defensive driver course could earn you a small percentage discount and make you a better driver.
  • Sign Online – Some car insurance companies give back up to $50 for buying your policy online.

You should keep in mind that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will bring down your car insurance premiums.

A list of car insurance companies and their possible discounts are:

  • State Farm includes discounts for Steer Clear safe driver discount, multiple autos, Drive Safe & Save, accident-free, and student away at school.
  • American Family may offer discounts for bundled insurance, TimeAway discount, Steer into Savings, good driver, mySafetyValet, and early bird.
  • AAA offers discounts including AAA membership discount, good student, multi-car, good driver, and multi-policy.
  • Geico discounts include federal employee, multi-vehicle, anti-theft, good student, air bags, five-year accident-free, and anti-lock brakes.
  • Mercury Insurance may include discounts for professional/association, accident-free, location of vehicle, good driver, and multi-car.
  • Farmers Insurance may have discounts that include teen driver, homeowner, switch companies, distant student, pay in full, and youthful driver.
  • Progressive has savings for multi-policy, online signing, multi-vehicle, continuous coverage, homeowner, online quote discount, and good student.

It’s a good idea to ask all the companies to give you their best rates. Savings may not apply to policies in your area.

Affordable insurance

Getting a cheaper price on 1996 Dodge Neon insurance is not a difficult process. Consumers just need to spend a few minutes comparing rate quotes online from several insurance companies. Comparing prices online can be done in several different ways.

Hands down the most simple method to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This quick form eliminates the need for repetitive form submissions for each price estimate. Filling out one form will return price quotes instantly. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to get comparison quotes is to take the time to go to the website of each company and go through the quote process again. For sake of this example, we’ll assume you want rates from State Farm, Safeco and Allstate. To do that, you would have to visit each site and repeatedly enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The last method to comparison shop rate quotes is driving around to and from local insurance agencies. Quoting online eliminates the middleman unless you have a complicated situation and need the professional assistance of a local agency. Some companies do allow you to get prices online but have a local agent actually write the policy.

Which method you use is up to you, but be sure you’re using the exact same deductibles and coverage limits on every price quote you get. If you use different values for each quote you will not be able to truly determine the lowest rate.

Lower your insurance rates

Many factors are part of the equation when premium rates are determined. Most are fairly basic such as your driving history, but others are more obscure like your continuous coverage or how financially stable you are.When buying car insurance it’s important to understand some of the things that help determine your car insurance rates. When you understand what determines premiums, this empowers consumers to make smart changes that will entitle you to lower car insurance prices.

The following are some of the things that factor into prices.

  • Buy a safe car and pay less – Vehicles with good safety scores tend to have better insurance rates. Safer cars reduce the chance of injuries and better occupant protection means your insurance company pays less and more competitive rates for policyholders. If your Dodge Neon earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Good credit saves on car insurance – Credit score will be a significant factor in determining your rates. Insureds with good credit tend to be less risk to insure than drivers with poor credit scores. If your credit score can use some improvement, you could be paying less to insure your 1996 Dodge Neon by improving your rating.
  • Vehicle theft costs us all – Purchasing a vehicle with anti-theft technology or alarm system can save you some money. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft and help lower rates.
  • Youthful driver insurance costs – Beginning drivers are proven to be less responsible in a vehicle and because of this, their car insurance rates are much higher. Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims , and usually have better credit.
  • Low mileage costs less – Driving a lot of miles each year the higher your rate. A lot of companies price each vehicle’s coverage based on their usage. Vehicles that do not get driven very much can get a lower rate than cars that get driven a lot. Verify your car insurance coverage correctly shows the correct usage for each vehicle. A policy that improperly rates your Neon can result in significantly higher rates.
  • Do you have enough liability insurance? – A critical coverage on your policy, liability insurance will afford coverage if you are found to be at fault for an accident. It will provide legal defense which can be incredibly expensive. It is affordable coverage compared to physical damage coverage, so drivers should carry high limits.
  • Never let your car insurance policy lapse – Letting your insurance expire can be a quick way to drive up your policy premiums. Not only will you pay more, being ticketed for driving with no insurance might get you fines and jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • How much liability do I need to cover my assets?
  • Do I have coverage when using my vehicle for my home business?
  • Why is insurance for a teen driver so high?
  • Is business property covered if stolen from my car?
  • Am I covered when driving on a suspended license?
  • Is a blown tire covered by insurance?
  • Can I afford low physical damage deductibles?
  • Will my rates increase for filing one claim?
  • Which is better, split liability limits or combined limits?
  • Is my state a no-fault state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Save $465 a year! What?

Drivers get pounded daily by advertisements that claim the cheapest premium rates by companies like 21st Century, Allstate and State Farm. They all seem to make the point that drivers will save a bundle if you switch your coverage.

How does every company have lower policy pricing? This is how they do it.

All the different companies offer their best rates for the type of driver that will generate a profit. A good example of a desirable risk might be a female over age 40, has a clean driving record, and drives less than 5,000 miles a year. Someone that fits those parameters will get the preferred prices as well as save a lot if they switch.

People who may not quite match these stringent criteria will probably be forced to pay higher premium rates and ends up with the prospect going elsewhere. The trick is to say “people that switch” not “all people who quote” save that much when switching. That’s the way companies can truthfully lure you into getting a quote.

Because each company has a different risk profile, you really should quote coverage with many companies. It’s not possible to predict the company that will provide you with the cheapest premium rates.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage – Collision coverage pays for damage to your Neon resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, driving through your garage door, crashing into a building, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage – This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as legal defense fees, loss of income, bail bonds and medical services. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, chiropractic care, hospital visits, dental work and X-ray expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, a broken windshield and damage from flooding. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are similar to your liability insurance amounts.

One last thing

When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability coverage limits to discover at claim time that they should have had better coverage. The goal is to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

In this article, we covered a lot of tips how to save on 1996 Dodge Neon insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. Consumers may even find the biggest savings come from some of the lesser-known companies.

Low-cost 1996 Dodge Neon insurance is attainable online as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not offer rate quotes online and most of the time these regional carriers sell through independent insurance agents.

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