Save on 2002 Dodge Neon Car Insurance Quotes

Want lower insurance rates for your Dodge Neon? Did you fall for a flashy sales pitch and buy high-priced insurance? Believe me, there are many consumers feeling the pinch from expensive insurance. With so many insurance companies to choose from, it is very difficult to choose the lowest cost provider.

Locating the lowest cost protection is easy if you know what you’re doing. If you have a current insurance coverage policy or need a new policy, you will benefit by learning to find better prices and still get good coverage. Consumers just need to learn how to buy insurance coverage online.

Factors influencing Dodge Neon insurance rates

It’s important that you understand the factors that help determine your auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with big savings.

  • Pay less if you’re married – Getting married can actually save you money when buying auto insurance. Having a spouse is viewed as being more mature and responsible and statistics show married couples file fewer claims.
  • Battle of the sexes – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes tend to get into accidents at a similar rate, but the males cause more damage. They also get more serious tickets like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • More than one policy can earn a discount – Many auto insurance companies provide better rates to customers who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to verify if the discount is saving money.
  • Mature drivers pay less – Older insureds are more responsible, statistically cause fewer accidents and get fewer tickets. Young drivers tend to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
  • A clean driving record saves money – Whether or not you get tickets has a huge affect on how much you pay. Drivers who don’t get tickets get better rates than bad drivers. Just one speeding ticket can bump up the cost by twenty percent. Drivers with serious tickets such as DUI or reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Don’t get talked into coverage you don’t need – There are a lot of extra bells and whistles that you can get tricked into buying if you aren’t careful. Things like rental car reimbursement, accidental death and membership fees are some examples. They may seem like a good idea initially, but your needs may have changed so remove them from your policy.
  • Where you live is a factor – Being located in less populated areas can save you money when talking about auto insurance. Urban drivers tend to have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Your auto insurance rates can be influenced by your job – Occupations such as real estate brokers, social workers and dentists tend to pay the highest average rates in part from stressful work requirements and lots of time spent at work. Other professions such as farmers, historians and the unemployed have the lowest average rates on Neon insurance.

Don’t pay full price with these discounts

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be asked about before you will receive the discount. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Neon insurance than their less cautious counterparts.
  • Homeowners Savings – Owning a house can save you money because of the fact that having a home is proof that your finances are in order.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Neon insurance depending on your company.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Club Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on auto insurance on Neon insurance.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will cut your premiums.

Car insurance companies that possibly offer these benefits include:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in every state.

Can you really save $432 a year?

Consumers constantly see and hear ads for cheaper car insurance from companies such as State Farm, Allstate and Geico. All the companies make the same claim of big savings if you switch your policy.

How do they all make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the right customer that is profitable for them. A good example of a preferred risk could be between the ages of 30 and 50, has no tickets, and has a high credit rating. A propective insured who meets those qualifications is entitled to the best price and therefore will save when switching.

Consumers who do not match this ideal profile will have to pay more money and this can result in business going elsewhere. Company advertisements say “customers who switch” not “everyone that quotes” save money. That is how companies can advertise the savings.

Because of the profiling, drivers must compare as many rates as you can. It’s just too difficult to predict which company will have the lowest Dodge Neon insurance rates.

Your personal situation dictates your coverage

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight if you could use an agent’s help.

  • Are rental cars covered under my policy?
  • Is my babysitter covered when using my vehicle?
  • Do I need an umbrella policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I afford low physical damage deductibles?
  • I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage breakdown

Knowing the specifics of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, damage from getting keyed, a broken windshield, hitting a deer and hail damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, damaging your car on a curb, scraping a guard rail, backing into a parked car and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Liability coverages

This coverage can cover injuries or damage you cause to people or other property. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, emergency aid, court costs, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like pain medications, X-ray expenses, prosthetic devices and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Neon.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Never pay more for less

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage only to regret that the savings was not a smart move. The ultimate goal is to buy enough coverage at an affordable rate, not the least amount of coverage.

Cost effective 2002 Dodge Neon insurance is available both online and with local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Additional information is available below: