2004 Dodge Neon Insurance Cost – 7 Tips for Cheaper Prices

Looking for the cheapest car insurance rates for your Dodge Neon? Are you at wits end from robbing Peter to pay Paul to buy car insurance? You have the same problem as many other drivers. Since drivers have many car insurance companies to choose from, it’s nearly impossible to locate a more affordable car insurance provider.

The quickest method we recommend to compare car insurance company rates is to realize all the major auto insurance companies have advanced systems to give free rates quotes. All consumers are required to do is take a few minutes to give details such as how you use your vehicles, types of safety features, if you lease or own, and an estimate of your credit level. Your insurance information is instantly provided to insurance companies and you receive quotes with very little delay.

To check 2004 Dodge Neon insurance prices now, click here and complete the quick form.

Save a ton with these seven discounts

Companies that sell car insurance don’t always advertise all their discounts in an easy-to-find place, so below is a list a few of the more common as well as some of the hidden insurance savings. If you do not check that you are getting every discount you deserve, you’re just leaving money on the table.

  • Multiple Policy Discount – When you have multiple policies and place coverage with the same company they may give you a discount of up to 20% off your total premium.
  • Auto/Life Discount – Select insurance companies reward you with a small discount if you purchase auto and life insurance together.
  • Resident Student – College-age children who live away from home at college and do not take a car to college can receive lower rates.
  • No Claims – Insureds with no claims or accidents are rewarded with significantly better rates on insurance coverage quote as opposed to policyholders that have many claims.
  • Savings for New Vehicles – Putting coverage on a new car is cheaper because newer vehicles are generally safer.
  • Drive Safe and Save – Accident-free drivers may save up to 50% more on Neon insurance than less cautious drivers.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could be rewarded with discounted insurancerates on garaged vehicles.

As a footnote on discounts, many deductions do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free insurance policy, you aren’t that lucky. But any discount should definitely cut your premiums.

A list of insurance companies and a selection of discounts are included below.

  • Progressive offers premium reductions for online signing, homeowner, good student, multi-policy, online quote discount, multi-vehicle, and continuous coverage.
  • AAA policyholders can earn discounts including good student, anti-theft, AAA membership discount, multi-car, multi-policy, and education and occupation.
  • Farmers Insurance offers discounts including teen driver, good student, electronic funds transfer, bundle discounts, alternative fuel, and multi-car.
  • Geico discounts include air bags, five-year accident-free, seat belt use, anti-lock brakes, good student, and driver training.
  • Esurance may offer discounts for renters, good student, paid-in-full, good driver, Switch & Save, multi-car, and Pac-12 alumni.
  • SAFECO may have discounts that include teen safe driver, anti-lock brakes, homeowner, drive less, and anti-theft.
  • State Farm has discounts for multiple autos, good student, passive restraint, driver’s education, student away at school, defensive driving training, and multiple policy.

When comparing rates, check with each insurance company the best way to save money. Some discounts listed above may not be available in your area. To locate insurance companies that have a full spectrum of discounts, click here.

Insurance can be complex

When buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation will benefit from professional help.

  • Who is covered when they drive my 2004 Dodge Neon?
  • When would I need additional glass coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I get collision insurance on every vehicle?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Coverages available on your auto insurance policy

Knowing the specifics of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like funeral costs, EMT expenses and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Neon.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This coverage pays for damage to your Neon resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Auto liability

This coverage can cover damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as funeral expenses, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, damage from a tornado or hurricane, hitting a deer, fire damage and damage from getting keyed. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Save your cold hard cash

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. Too many times, someone dropped full coverage only to regret at claim time that they should have had better coverage. Your strategy should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

Some companies do not provide online price quotes and usually these regional carriers only sell coverage through local independent agencies. Budget-conscious 2004 Dodge Neon insurance is definitely available both online and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.

Much more information about auto insurance is available on the following sites: