How Much Does 2000 Dodge Neon Insurance Cost?

Trying to find better auto insurance rates? Buyers have lots of choices when searching for low-cost Dodge Neon insurance. They can either waste time calling around to get rate comparisons or save time using the internet to compare rates.

There is a right way and a wrong way to find auto insurance online so we’re going to tell you the proper way to get price quotes on a Dodge and locate the best price possible.

If you have a current insurance policy or need a new policy, you can follow these tips to reduce the price you pay and still get good coverage. The purpose of this article is to tell you how car insurance quotes work and some money-saving tips. Drivers just need to learn the proper methods to compare rates over the internet.

How to buy insurance coverage

Most of the larger companies like Progressive, Geico, Allstate and State Farm make it easy to get pricing on the web. Comparing prices online is pretty easy because it’s just a matter of typing in your coverage information as detailed in the form. Upon sending the form, their quoting system sends out for your driving and credit reports and generates a price based on many factors.

Being able to quote online makes it a lot easier to compare rates but the time required to go to several different sites and enter the same data into a form can be a bit repetitive. But it’s very important to get many rate quotes if you want to find the lowest possible prices on insurance coverage.

A better way to lower your insurance coverage bill uses just one form that gets prices from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much more enjoyable. As soon as the form is sent, it gets priced and you can choose any one of the resulting price quotes.

If you find a better price it’s easy to complete the application and purchase the new policy. The whole process takes 15 minutes at the most and could lower your rates considerably.

To find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you input just like they are on your policy. Doing this assures you will be getting a rate comparison for the exact same coverage.

Lower your auto insurance rates with discounts

Auto insurance can be pricey, but there could be available discounts that can help lower your rates. A few discounts will be applied when you purchase, but occassionally some discounts must be manually applied before they will apply.

  • Accident Free – Drivers with accident-free driving histories have much lower rates as compared to frequent claim filers.
  • Waiver for an Accident – Not necessarily a discount, but some companies like Liberty Mutual and Geico will forgive one accident without raising rates if you have no claims for a specific time period.
  • Anti-lock Brakes – Cars that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Distant Student – Children living away from home attending college and do not take a car to college can receive lower rates.
  • New Vehicle Savings – Insuring a vehicle that is new can get you a discount because new vehicles keep occupants safer.
  • Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy a life policy as well.
  • Own a Home and Save – Just owning your own home can help you save on auto insurance because of the fact that having a home is proof of financial responsibility.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.

We need to note that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.

If you would like to view providers that offer the discounts shown above, follow this link.

You are unique and your car insurance should be too

When choosing proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if you will benefit from professional help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How can I find cheaper teen driver insurance?
  • Are my friends covered when driving my car?
  • How do I insure my teen driver?
  • Does medical payments coverage apply to all occupants?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Find more affordable auto insurance with these tips

Multiple criteria are part of the calculation when you get your auto insurance bill. Most are fairly basic such as your driving history, although some other factors are more obscure like your vehicle usage or how safe your car is.

Shown below are a few of the “ingredients” companies use to determine your prices.

  • Teenage drivers are expensive to insure – Youthful drivers tend to be easily distracted when driving with friends therefore auto insurance rates are much higher. If you’ve ever had to add a teen driver onto a policy can break the bank. Older people are more responsible, statistically cause fewer accidents , and are generally more financially stable.
  • Avoid policy lapses – Allowing your auto insurance policy to lapse will be a quick way to increase your rates. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a license revocation or jail time. Then you may be required to file a SR-22 with your state department of motor vehicles.
  • Bundle policies with the same company – Most larger auto insurance companies will give lower prices to customers that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount applied, you may still want to compare rates to verify if the discount is saving money. You may still find a better deal by buying auto insurance from a different company.
  • Obey driving laws and save – Even a single citation can boost insurance rates by twenty percent. Drivers who don’t get tickets get better prices than people who have multiple driving citations. Drivers who have gotten severe tickets like DUI, reckless driving or excessive speeding are required to maintain a SR-22 with their state DMV in order to legally drive a vehicle.
  • Better credit means lower prices – A driver’s credit rating can be a huge factor in determining premium rates. If your credit score is low, you may save money insuring your 2000 Dodge Neon if you clean up your credit. Drivers with very high credit ratings tend to be less risk to insure than drivers who have poor credit scores.
  • Less chance of injury means lower rates – Vehicles with good safety scores get lower rates. Highly rated vehicles protect occupants better and fewer injuries means lower claim amounts which can mean better rates for you. If the Dodge Neon scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Fewer miles means better premiums – Driving more miles in a year’s time the higher your rates will be. Many insurance companies rate vehicles determined by how the vehicle is used. Autos left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Neon may be costing you higher rates. It’s always a good idea to double check that your auto insurance coverage shows the correct usage for each vehicle, because it can save money.

Insurance coverage considerations

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, theft, a broken windshield, damage from a tornado or hurricane and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

This will cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, emergency aid, loss of income and medical services. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills for surgery, hospital visits, X-ray expenses and doctor visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Don’t be a big spender

You just learned a lot of tips how to lower your 2000 Dodge Neon insurance premium rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding the cheapest auto insurance. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies.

Budget-friendly car insurance is definitely available both online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. A few companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

When getting auto insurance quotes online, don’t be tempted to buy poor coverage just to save money. Too many times, someone sacrificed collision coverage only to regret they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

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