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.
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.
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:
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.
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.
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.
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.
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.
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.