1998 Dodge Neon Car Insurance Quotes – 5 Policy Discounts

Searching for lower insurance coverage rates for your Dodge Neon? Confused by the wide range of insurance coverage company choices? Many other consumers are too. People have so many options available that it can easily become a real hassle to find the lowest price.

It’s important to check insurance coverage prices every six months because prices trend upward over time. Just because you had the best price for Neon coverage a few years ago the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance coverage on the internet, so I’m going to show you some excellent ideas to stop overpaying for insurance.

If you currently have car insurance, you will most likely be able to save some money using these methods. This information will teach you how to effectively get price quotes and some money-saving tips. But drivers must know the methods companies use to price insurance differently and use this information to your advantage.

Quick Auto Insurance Quotes

There are a variety of methods to compare 1998 Dodge Neon auto insurance prices but some are easier and takes less work. You can spend countless hours talking to agents in your area, or you could use the internet to get prices fast.

Most of the best insurance companies participate in a marketplace where prospective buyers enter their policy data once, and at least one company then returns a price quote based on that data. This eliminates the need for quote forms for each company. To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to pricing coverage this way is you cannot specify the providers you want pricing from. If you prefer to choose specific insurance companies to compare rates, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples deductibles and coverage limits for each comparison quote. If you have different limits and deductibles on each one it will be next to impossible to determine the best price for your Dodge Neon. Slightly different coverage limits could mean much higher rates. And when price shopping your coverage, comparing a large number of companies provides better odds of finding the best rates.

Don’t overlook these five discounts

Insurance can cost an arm and a leg, but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but a few need to be specially asked for in order for you to get them.

• Service Members Pay Less – Being on active duty in the military can result in better rates.
• Discount for Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
• Discount for Good Grades – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
• Save over 55 – Older drivers can possibly qualify for reduced rates for Neon coverage.
• Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.

Consumers should know that some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies don’t profit that way. But any discount will cut your overall premium however.

To see a list of providers offering car insurance discounts, click here to view.

Is my situation unique?

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine whether you could use an agent’s help.

• Does coverage extend to my business vehicle?
• Why am I required to buy liability insurance?
• How much liability coverage do I need in my state?
• Am I covered when delivering products for my home-based business?
• Should I have a commercial auto policy?
• Am I covered when pulling a rental trailer?
• Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Neon.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages – This protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as emergency aid, repair costs for stationary objects, funeral expenses, attorney fees and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for bills like pain medications, rehabilitation expenses, dental work, surgery and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, backing into a parked car, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – 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 claims like hitting a bird, damage from a tornado or hurricane, hail damage, rock chips in glass and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.