Sick and tired of sacrificing to insure your Dodge every month? You have the same problem as many other drivers.
There are many car insurance companies to pick from, and even though it’s nice to be able to choose, it makes it harder to adequately compare rates.
Insurance coverage is neither fun to buy or cheap, but there’s a good chance there are discounts that can help lower your rates. Larger premium reductions will be automatically applied when you complete an application, but a few must be asked for before they will apply.
A little note about advertised discounts, many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works.
To locate insurance companies offering insurance coverage discounts, click here.
When looking for cheaper insurance quotes, there are a couple ways to get quotes from different companies. The quickest method to compare rates is simply to get online rate quotes. It’s really quite simple and can be done in several different ways.
For a list of links to companies insuring cars in your area, click here.
You can choose any of those ways to find more affodable coverage, but make darn sure you compare the exact same information for each price quote. If you are comparing different data you will not be able to make an equal comparison. Just slight variations in coverages may result in large price differences. And when comparing insurance rates, know that more quotes increases your odds of finding better pricing.
When buying the best insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation would benefit from professional advice.
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
Understanding the coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.
Med pay and PIP coverage reimburse you for immediate expenses for things like doctor visits, nursing services, X-ray expenses, dental work and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Neon.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
This will cover damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for things like loss of income, emergency aid, bail bonds, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.
This pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.
Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as a broken windshield, damage from a tornado or hurricane and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
When getting insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, someone dropped uninsured motorist or liability limits and learned later that it was a big mistake. Your aim should be to buy a smart amount of coverage at the best price, but do not skimp to save money.
Cheaper 1997 Dodge Neon insurance is possible from both online companies in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. Some companies may not have internet price quotes and many times these regional insurance providers prefer to sell through independent agents.