Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as many other consumers.
Because you have many different company options, it is hard for the average consumer to find the best car insurance company.
Choosing the best insurance company for you is not that difficult. Just about anyone who carries car insurance will most likely be able to cut their insurance bill. But consumers need to learn how the larger insurance companies sell online because it can help you find the best coverage.
Companies don’t always advertise every discount in an easy-to-find place, so we break down both the well known and the more hidden auto insurance savings.
Drivers should understand that most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.
For a list of insurers with the best auto insurance discounts, follow this link.
When it comes to buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining if your situation could use an agent’s help.
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Progressive, Allstate and GEICO regularly use ads on TV and radio. All the companies make an identical promise about savings if you move your coverage to them. How do they all claim to save you money? This is how they do it.
Different companies have a certain “appetite” for the type of customer they prefer to insure. An example of a driver they prefer could possibly be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who fits that profile will get very good rates and is almost guaranteed to save when switching.
Drivers who don’t meet the “perfect” profile will have to pay higher rates which leads to the customer not buying. The ads state “customers who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully make the claims of big savings. Because of the profiling, it’s extremely important to get a wide range of price quotes. It’s not possible to predict the company that will have the lowest Dodge Neon insurance rates.
Knowing the specifics of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from car insurance companies.
Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage pays for claims such as bail bonds, legal defense fees, court costs and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like doctor visits, surgery, X-ray expenses and pain medications. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Neon.
Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Collision insurance covers damage to your Neon caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things like a broken windshield, fire damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
We’ve covered many ways to compare 1997 Dodge Neon insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the biggest savings come from the smaller companies. They can often provide lower rates in certain areas than the large multi-state companies such as Allstate and Progressive.
The cheapest insurance can be bought both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
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