Cheaper 2003 Dodge Neon Car Insurance Quotes

Trying to find lower insurance rates for your Dodge Neon? Searching for low-cost insurance for a Dodge Neon could be a painful process, but you can learn a few tricks to save time. There are more efficient ways to shop for insurance so we’re going to tell you the proper way to compare rates for a new or used Dodge and obtain the cheapest rates from both online companies and local agents.

It’s a great practice to check insurance prices on a regular basis because insurance prices change frequently. Even if you got the lowest rate on Neon insurance at your last renewal you can probably find a better premium rate now. Forget all the misinformation about insurance because we’re going to demonstrate one of the quickest ways to find the best coverage while lowering your premiums.

The method we recommend to get policy rate comparisons takes advantage of the fact almost all companies participate in online systems to quote your coverage. The only thing you need to do is provide details such as what your job is, marital status, driver ages, and how many miles driven. Your insurance information is submitted instantly to many of the top insurers and they return quotes within a short period of time.

Lower-cost insurance quotes with discounts

Companies that sell car insurance don’t always list every discount in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known credits available to bring down your rates.

  • Low Miles Discount – Driving less could be rewarded with slightly better insurancerates than normal.
  • Senior Citizens – Drivers that qualify as senior citizens can get a slight reduction on a car insurance quote on Neon insurance.
  • Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
  • Accident Waiver – Not a discount per se, but some companies like Allstate and Progressive will allow you to have one accident without the usual rate increase if you are claim-free prior to the accident.
  • Bundled Policy Discount – If you insure your home and vehicles with the same company you could save up to 20% off your total premium.
  • Switch and Save Discount – Some companies reward drivers for buying a policy before your current expiration date. You can save around 10% with this discount.
  • Driver Education Discount – Have your child sucessfully take a drivers education course if it’s offered in school.
  • Cautious Drivers – Insureds without accidents may receive a discount up to 45% on Neon insurance than their less cautious counterparts.

A quick disclaimer, most discount credits are not given to your bottom line cost. Most cut individual premiums such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky.

A list of companies and some of the discounts include:

  • State Farm discounts include multiple autos, good driver, passive restraint, good student, and student away at school.
  • Farmers Insurance offers premium reductions for switch companies, teen driver, distant student, business and professional, good student, multi-car, and mature driver.
  • Progressive may have discounts that include multi-policy, online signing, good student, homeowner, online quote discount, and continuous coverage.
  • Geico has discounts for federal employee, daytime running lights, driver training, air bags, five-year accident-free, good student, and emergency military deployment.
  • Auto-Owners Insurance offers discounts including mature driver, paid in full, multi-policy, air bags, and multiple vehicles.
  • The Hartford includes discounts for driver training, vehicle fuel type, good student, air bag, bundle, and defensive driver.
  • Farm Bureau has savings for multi-policy, multi-vehicle, renewal discount, safe driver, and driver training.
  • USAA policyholders can earn discounts including new vehicle, defensive driver, loyalty savings, family discount, vehicle storage, and annual mileage.

If you need cheap car insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above might not be offered in your area.

How insurers determine Dodge Neon insurance rates

Many factors are taken into consideration when quoting car insurance. Some factors are common sense like an MVR report, but other factors are not as apparent like where you live and annual miles driven.

The following are some of the factors used by your company to calculate your rate level.

  • More traffic means higher claims – Residing in smaller towns and rural areas of the country may provide you with better prices if you are looking for the lowest rates. Residents of big cities have to deal with more auto accidents and more severe claims. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims
  • Too many insurance claims will drive rates up – Car insurance companies provide the best rates to people who do not file claims often. If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance is intended for claims that pose a financial burden.
  • Males pay higher costs – Statistics show females are less aggressive when driving. Now that doesn’t mean women are better drivers. Both genders get in fender benders in similar percentages, but the male of the species tend to have more serious accidents. Not only that, but men also get ticketed for serious violations like reckless driving and DUI.
  • Low stress occupation equals lower insurance rates – Jobs like military personnel, social workers and emergency personnel tend to have higher rates than average attributed to stressful work requirements and lots of time spent at work. Other occupations like farmers, athletes and performers pay the least on Neon insurance.
  • Drive lots and pay more – The more you drive annually the more you will pay for insurance. Almost all companies apply a rate based upon how much you drive. Vehicles not used for work or commuting can be on a lower rate level than cars that get driven a lot. Incorrect rating for your Neon is throwing money out the window. Ask your agent if your insurance policy is showing annual mileage.
  • Vehicle options can affect prices – Purchasing a vehicle that has a built-in theft deterrent system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might help in determining if you could use an agent’s help.

  • Can I make deliveries for my home business?
  • Does coverage extend to a rental car in a foreign country?
  • Should I buy full coverage?
  • Should I put collision coverage on all my vehicles?
  • When can my company non-renew my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I have combined single limit or split liability limits?
  • How can I get my company to pay me more for my totalled car?
  • Is pleasure use cheaper than using my 2003 Dodge Neon to commute?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Auto insurance specifics

Having a good grasp of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability coverages

This protects you from damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for rehabilitation expenses, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, fire damage, hail damage, damage from flooding and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Neon.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Saving money makes a lot of cents

In this article, we covered a lot of information how to shop for 2003 Dodge Neon insurance online. The key concept to understand is the more you quote car insurance, the higher your chance of finding inexpensive car insurance. Consumers could even find that the lowest car insurance rates are with a small mutual company.

When getting car insurance quotes online, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an insured cut collision coverage only to find out they didn’t have enough coverage. Your goal is to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

Low-cost 2003 Dodge Neon insurance is available both online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some auto insurance companies may not provide internet price quotes and most of the time these regional carriers prefer to sell through local independent agencies.

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