Looking for the cheapest auto insurance rates for your Dodge Neon? Saving money on auto insurance can be challenging for people who are new to shopping for insurance online. Drivers have so many options available that it can quickly become a real challenge to find lower rates.
Pricing affordable insurance is easy if you know what you’re doing. Just about every driver who is shopping for insurance most likely will be able to reduce their rates. But drivers must understand the way insurance companies market insurance on the web and use this information to your advantage.
The are a couple different ways to compare quotes from different insurance companies. The easiest way to compare 2001 Dodge Neon insurance prices is to get quotes online. This can be done using a couple different methods.
It’s your choice how you get your quotes, but double check that you are using identical information on every quote you get. If you use different values for each quote it’s not possible to find the best deal for your Dodge Neon. Slightly different limits can make a big difference in price. And when quoting insurance, remember that more quotes provides better odds of finding better pricing.
Car insurance is not cheap, but there are discounts available to help bring down the price. Some discounts apply automatically when you quote, but lesser-known reductions have to be specially asked for before they will apply.
Consumers should know that some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren’t that generous. But all discounts will bring down your overall premium however.
Car insurance companies who might offer these money-saving discounts include:
Before buying, ask every prospective company which discounts they offer. Some discounts might not apply in every state.
When choosing the best insurance coverage, there is no cookie cutter policy. Each situation is unique.
Here are some questions about coverages that can help discover if your insurance needs may require specific advice.
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
Knowing the specifics of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
This coverage covers damage to your Neon resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like backing into a parked car, damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Auto liability insurance
Liability insurance will cover damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims like medical expenses, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Coverage for medical expenses
Coverage for medical payments and/or PIP kick in for short-term medical expenses for funeral costs, hospital visits and ambulance fees. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive auto insurance
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like damage from flooding, hail damage, damage from a tornado or hurricane, hitting a bird and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
You just learned a lot of ways to lower your 2001 Dodge Neon insurance rates. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from a smaller regional carrier.
Cost effective insurance can be purchased online as well as from independent agents, and you should be comparing both to have the best rate selection. Some companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.
Consumers change insurance companies for a variety of reasons including delays in responding to claim requests, not issuing a premium refund, high prices or high rates after DUI convictions. It doesn’t matter why you want to switch finding a new insurance company can be easy and end up saving you some money.
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