Cheaper 2002 Dodge Neon Car Insurance Quotes

Want lower auto insurance rates for your Dodge Neon? Perplexed by the wide range of auto insurance choices? Many other consumers are too. Consumers have so many choices that it can quickly become more work than you anticipated to locate the lowest price.

If you are paying for car insurance now, you should be able to cut costs considerably using this information. Locating more affordable auto insurance is easy if you know what you’re doing. Nevertheless, car owners must comprehend how companies sell insurance online and apply this information to your search.

Factors influencing Dodge Neon insurance rates

Consumers need to have an understanding of the rating factors that help determine car insurance rates. Having a good understanding of what determines base rates enables informed choices that will entitle you to lower car insurance prices.

  • Pleasure use or commuting – Driving more miles in a year’s time the higher your rates will be. Almost all companies rate vehicles based on their usage. Autos not used for work or commuting can get a lower rate than those used for commuting. Having the wrong rating on your Neon may be wasting your money. Ask your agent if your car insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Low deductibles can be expensive – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Dodge from damage. Examples of covered claims are colliding with a building, damage caused by hail, and burglary. Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more money you’re willing to pay, the less your company will charge you for insurance for Neon coverage.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for damages caused by your negligence. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Lower rates with optional equipment – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men are in accidents at about the same rate, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high car insurance rates.
  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce injuries and fewer injuries translates into savings for insurance companies and lower rates for you. If your Dodge has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Discounts for multiple policies – Some insurance companies will give a discount to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even if you’re getting this discount you may still want to shop around to confirm you are receiving the best rates possible.

Save big with these discounts

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving.

  • Multiple Policy Discount – If you have multiple policies with one company you may earn approximately 10% to 15%.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • 55 and Retired – Mature drivers may be able to get reduced rates for Neon coverage.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.

Consumers should know that many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free insurance policy, it doesn’t quite work that way.

Car insurance companies that possibly offer these discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Savings may not be available everywhere.

But I don’t know anything about car insurance

When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

  • If I drive on a suspended license am I covered?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered if my car is in a flood?
  • Is my teenager covered with friends in the car?
  • What are the best liability limits?
  • Does insurance cover damages from a DUI accident?
  • Are rental cars covered under my policy?
  • Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance policy specifics

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2002 Dodge Neon.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, bail bonds and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This pays for damage to your Neon resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses such as rehabilitation expenses, surgery and ambulance fees. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Have money to burn

In this article, we presented a lot of tips how to compare 2002 Dodge Neon insurance prices online. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the most savings is with some of the lesser-known companies.

Insureds who switch companies do it for many reasons like extreme rates for teen drivers, policy cancellation, lack of trust in their agent or even poor customer service. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

Discount insurance can be purchased online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and these regional insurance providers work with independent agents.

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