How Much Does 1996 Dodge Neon Insurance Cost?

Having to pay for overpriced Dodge Neon insurance can take a big chunk out of your checking account and make it impossible to make ends meet. Comparing price quotes is a smart way to make sure you’re not throwing money away.

Lots of insurers contend for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

Dodge Neon insurance premiums are calculated by many factors

Consumers need to have an understanding of the different types of things that help determine the rates you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate your rates.

  • Don’t get talked into coverage you don’t need – There are many extra coverages that can waste your money on your auto insurance policy. Coverages like roadside assistance, accident forgiveness and term life insurance may be wasting your money. They may seem like a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
  • Optional equipment can affect rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Careful drivers pay lower rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one moving violation can bump up the cost twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to submit a SR-22 form with their state DMV in order to continue driving.
  • Never allow your policy to lapse – Not having insurance is a misdemeanor and your next policy will cost more because you let your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance can result in a revoked license or a big fine.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • With age comes lower rates – Teen drivers are statistically proven to be careless and easily distracted in a vehicle so auto insurance rates are higher. Mature drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Adjust deductibles and save – Physical damage deductibles represent how much money you are willing to pay before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The more you’re willing to pay, the less your auto insurance will be on Neon coverage.
  • Protect your assets with liability insurance – Liability insurance is the protection when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.

Car Insurance Prices Online

The are a couple different ways to compare rate quotes and find the best price. The simplest method to find competitive 1996 Dodge Neon insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

  1. One of the best ways to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating repetitive form entry to each individual car insurance company. One form submission will return quotes direct from many companies.
  2. A different way to find lower rates consists of going to each company website to complete their respective quote request forms. For examples sake, we’ll assume you want to compare rates from State Farm, 21st Century and Farmers. To get each rate you have to go to every website and enter your information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended way of getting rate comparisons is to drive around to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the personal advice only provided by licensed agents. Drivers can get prices online but still have the advice of a local agent and we’ll cover that in a bit.

Which method you use is up to you, but double check that you are using identical coverages with each company. If you have mixed coverages it will be very difficult to decipher which rate is best. Quoting even small variations in coverage limits could mean much higher rates. It’s important to know that quoting more helps locate lower pricing.

Pay less for 1996 Dodge Neon insurance

Companies that sell car insurance don’t list all available discounts in an easy-to-find place, so here is a list some of the more common and the more hidden auto insurance savings.

  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Defensive Driver – Taking part in a defensive driving course can save you 5% or more if you qualify.
  • Distant Student – Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Paperwork-free – A handful of insurance companies may give you up to $50 just for signing your application on their website.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • No Claims – Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

Companies that may offer these benefits are:

Double check with each company which discounts they offer. All car insurance discounts might not be offered in every state.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if you could use an agent’s help.

  • Am I covered when delivering products for my home-based business?
  • Am I insured when driving a different vehicle?
  • Which is better, split liability limits or combined limits?
  • Is my babysitter covered when using my vehicle?
  • What is PIP insurance?
  • Exactly who is provided coverage by my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my trailer covered?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Neon.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability car insurance – Liability insurance will cover damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like bail bonds, pain and suffering, court costs, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for dental work, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, vandalism, theft, a broken windshield and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This covers damage to your Neon resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Saving money makes a lot of cents

Discount 1996 Dodge Neon insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

We just covered many ways to reduce insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the lowest rates come from a smaller regional carrier. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

When you buy insurance online, you should never skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice liability coverage limits only to find out that they should have had better coverage. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Other learning opportunities