How Much Does 2005 Dodge Neon Insurance Cost?

Searching for the cheapest auto insurance rates for your Dodge Neon? Trying to find more affordable auto insurance is hard for people who have little experience online comparison shopping. With literally dozens of online companies, it can quickly become a real hassle to find a cheaper company.

You should make it a habit to do price comparisons before your policy renews because auto insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest price for Neon coverage a couple years back a different company probably has better rate quotes today. Ignore everything you know about auto insurance because we’re going to demonstrate the best way to reduce your cost while improving coverage.

Earn discounts to get lower-cost car insurance quotes

Car insurance companies do not list all possible discounts very well, so we researched some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online.

  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars with the same car insurance company may reduce the rate for each vehicle.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
  • Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Neon coverage with some car insurance companies.
  • Drive Less and Save – Low mileage vehicles can qualify you for substantially lower car insurancerates.
  • Buy New and Save – Putting insurance on a new car can get you a discount compared to insuring an older model.
  • Telematics Devices – Drivers who agree to allow data collection to look at when and where they use their vehicle by using a telematics device like Allstate’s Drivewise might see lower rates if they are good drivers.
  • Good Driver Discount – Insureds without accidents could pay up to 40% less for Neon coverage than less cautious drivers.

As is typical with insurance, most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, nobody gets a free ride.

Large car insurance companies and the discounts they provide are outlined below.

  • Geico includes discounts for emergency military deployment, multi-policy, federal employee, air bags, and military active duty.
  • Travelers may include discounts for student away at school, new car, home ownership, multi-car, payment discounts, and IntelliDrive.
  • Farm Bureau has savings for good student, driver training, 55 and retired, renewal discount, youthful driver, and multi-vehicle.
  • Liberty Mutual offers discounts for newly retired, preferred payment discount, new graduate, multi-car, and new vehicle discount.
  • American Family offers discounts including Steer into Savings, good driver, mySafetyValet, multi-vehicle, good student, and bundled insurance.
  • Progressive offers premium reductions for good student, multi-vehicle, continuous coverage, online signing, homeowner, and online quote discount.

Before purchasing a policy, check with all the companies how many discounts you can get. Savings may not be available in every state. For a list of insurance companies who offer discounts, click here.

Compare insurance coverage quotes online

There are a lot of ways to compare insurance coverage prices but one way is more efficient than others. You could spend the better part of a day driving to insurance companies in your area, or you could use online quoting for quick rates.

Many of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and at least one company returns a rated price determined by their information. This system prevents you from having to do quote requests to each individual insurance coverage company.

To find out how much you can save on insurance coverage click to open in new window.

The one downside to using this type of form is you can’t choose which carriers to get quotes from. If you wish to select from a list of companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Compare rates however you want, just make sure you are using the same coverage information for every quote you compare. If each company quotes unequal deductibles or liability limits it’s not possible to get a fair rate comparison. Even a minor difference in insurance coverages can make a big difference in price. Keep in mind that comparing a wide range of rates increases your odds of finding the best offered rates. Not every company provides rate quotes online, so you should also compare rates from them as well.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether or not you could use an agent’s help.

  • Do I need replacement cost coverage on my 2005 Dodge Neon?
  • Should I carry comprehensive and collision coverage?
  • How many claims can I have before being cancelled?
  • What is medical payments coverage?
  • When should I not file a claim?
  • Is a fancy paint job covered?
  • Will my rates increase for filing one claim?
  • Does my 2005 Dodge Neon qualify for pleasure use?
  • Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

Liability insurance will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, bail bonds, medical services and structural damage. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like hospital visits, chiropractic care, nursing services, doctor visits and EMT expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision protection

This coverage will pay to fix damage to your Neon caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

One last thing

When shopping online for insurance, it’s not a good idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the best possible price, not the least amount of coverage.

Lower-priced 2005 Dodge Neon insurance can be bought from both online companies as well as from independent agents, so you need to shop auto insurance with both to have the best selection. There are still a few companies who may not have internet price quotes and many times these regional carriers prefer to sell through independent insurance agents.

Drivers switch companies for a variety of reasons including poor customer service, policy cancellation, denial of a claim and delays in responding to claim requests. No matter why you want to switch, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

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