How Much Does 1997 Dodge Neon Insurance Cost?

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.

Discounts to earn cheap insurance coverage 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.

  • Air Bags and Passive Restraints – Factory air bags may earn rate discounts as much as 30%.
  • Professional Memberships – Participating in a professional or civic organization could trigger savings when getting a insurance quote.
  • Anti-lock Brakes – Cars with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
  • Discount for Home Ownership – Being a homeowner can get you a discount due to the fact that maintaining a home requires personal responsibility.
  • Seat Belt Discounts – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • One Accident Forgiven – Not a discount per se, but some insurance companies will let one accident slide without raising rates so long as you haven’t had any claims prior to being involved in the accident.
  • Auto/Home Discount – If you combine your auto and homeowners policies and place coverage with the same company you could get a discount of approximately 10% to 15%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.
  • Save over 55 – Drivers over the age of 55 could receive a small discount on rates for Neon coverage.

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.

How to lower your insurance cost

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.

  • The most efficient method to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate quote forms for each company. One form submission will return price quotes from insurance companies with the best prices.
  • A slightly less efficient method to compare rate quotes consists of going to each company website and request a quote. For examples sake, we’ll assume you want to compare rates from State Farm, 21st Century and GMAC. To do that, you would have to spend time on each company’s site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method.

    For a list of links to companies insuring cars in your area, click here.

  • If you have time to kill, the last method to find lower rates is actually driving to each insurance agency near you. Shopping for insurance online has made agencies unnecessary unless you require the guidance only provided by licensed agents. Drivers can compare online quotes and get advice from an agent in your area.

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.

Tailor your insurance coverage to you

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.

  • When should my teen driver be added to my policy?
  • Are my friends covered when driving my 1997 Dodge Neon?
  • Why does it cost so much to insure a teen driver?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is no-fault insurance?
  • Who is covered by my policy?
  • What is UM/UIM insurance?
  • Does my medical payments coverage pay my health insurance deductible?

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.

The coverage is in the details

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.

Medical costs insurance

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

UM/UIM 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.

Liability insurance

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.

Auto collision coverage

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 or Other Than Collision

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.

You can do this!

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.

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