Save on 2004 Dodge Neon Car Insurance Cost

Trying to find the cheapest insurance rates for your Dodge Neon? Have you had enough of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers. Many insurance companies compete for your business, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest price

You should take the time to compare prices at least once a year because prices change regularly. Despite the fact that you may have had the best deal for Neon coverage a couple years back there may be better deals available now. Don’t believe everything you read about insurance on the web, but we’re going to give you a bunch of ideas how to slash your insurance rates.

If you are insured now or are looking for a new policy, you will benefit by learning to reduce the price you pay and still get good coverage. Buying car insurance is quite easy. Consumers only need to know the best way to shop over the internet.

The method we recommend to compare rates is to know the trick most insurance companies provide online access to provide you with free rate quotes. The only thing you need to do is provide details such as how much school you completed, if you are currently licensed, if the car is leased, and whether you are single or married. That rating information is then sent to all major companies and they provide comparison quotes very quickly.

Cut prices on Dodge Neon insurance

Companies offering auto insurance don’t always advertise every available discount in a way that’s easy to find, so we took the time to find both the well known and the more hidden car insurance savings. If you aren’t receiving every discount possible, you are throwing money away.

  • Government Employees – Active or retired federal employment may qualify you for a discount for Neon coverage with certain companies.
  • Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Neon coverage than less cautious drivers.
  • Save over 55 – If you’re over the age of 55, you may receive a discount up to 10% for Neon coverage.
  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Defensive Driver – Completing a defensive driving course could save 5% or more depending on where you live.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

To see a list of insurance companies who offer car insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that might help in determining if you might need professional guidance.

  • Should I buy additional glass protection?
  • Why do I need rental car insurance?
  • How much can I save by bundling my policies?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How many claims can I have before being cancelled?
  • What is UM/UIM insurance?
  • Why am I required to buy liability insurance?
  • Should I rate my 2004 Dodge Neon as pleasure use or commute?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

What car insurance coverages do you need?

Knowing the specifics of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most car insurance policies.

Collision coverages – This will pay to fix damage to your Neon resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, crashing into a building and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical expense coverage – Med pay and PIP coverage reimburse you for short-term medical expenses such as rehabilitation expenses, pain medications, EMT expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Dodge Neon.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, falling objects and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability – Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as bail bonds, medical services and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.