Lower Your 1999 Dodge Neon Car Insurance Quotes

Nobody I know likes paying for auto insurance, especially knowing they are paying too much. Having so many different company options, it’s difficult to pick the best company.

You should make it a habit to shop coverage around before your policy renews because prices are usually higher with each renewal. Despite the fact that you may have had the lowest price for Neon coverage a year ago there may be better deals available now. So forget all the misinformation about auto insurance because I’m going to teach you the quickest way to save money, get proper coverage and the best rates.

Comprehensive Insurance Comparison Quotes

Shopping for lower insurance rates can be a daunting task if you don’t utilize the easiest way. You could waste a few hours talking to agents in your area, or you could use online quoting for quick rates.

Many of the larger companies take part in a program that allows shoppers to submit one quote, and each participating company can provide price quotes based on that data. This prevents consumers from doing repetitive form submissions for every insurance company.

To get comparison pricing now click to open in new window.

The only drawback to using this type of system is that consumers can’t choose the insurers you will receive quotes from. So if you want to select from a list of companies to compare prices, we put together a list of companies who write insurance in your area. View list of insurance companies.

Which method you use is up to you, but make darn sure you compare exactly the same coverage limits for each price quote. If the quotes have different deductibles it will be impossible to make a fair comparison for your Dodge Neon.

Companies offer discounts so take them!

Auto insurance companies don’t list all available discounts in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount possible, you’re paying more than you need to.

Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
Student in College – Any of your kids who are attending college and do not have a car can receive lower rates.
Multi-policy Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
Save over 55 – If you qualify as a senior citizen, you may qualify for better auto insurance rates for Neon coverage.
Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Neon coverage with select insurance companies.
Accident Waiver – A few companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
Good Student – Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
Homeowners Pay Less – Being a homeowner can help you save on auto insurance because owning a home demonstrates responsibility.

Consumers should know that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of insurance companies with discount auto insurance rates, follow this link.

Do I just need basic coverages?

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that might point out if your situation will benefit from professional help.

Do I have coverage when pulling a U-Haul trailer?
What is high-risk coverage and where do I buy it?
Do I need PIP (personal injury protection) coverage in my state?
Should I buy only the required minimum liability coverage?
Are my tools covered if they get stolen from my vehicle?
Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Specific coverage details

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Collision coverage

This coverage covers damage to your Neon resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, sustaining damage from a pot hole, scraping a guard rail, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, hitting a deer and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses such as ambulance fees, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Neon.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability

This coverage protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like loss of income, court costs, bail bonds, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.