Save on 1997 Dodge Neon Car Insurance Cost

No one in their right mind cherishes buying insurance, especially when the price is too high.

Many insurers vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest price

These discounts can lower your rates

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be inquired about before being credited.

  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because owning a home requires personal responsibility.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Neon coverage than drivers with accidents.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Neon coverage with select insurance companies.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

It’s important to note that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies wouldn’t make money that way. But all discounts will help reduce the cost of coverage.

A partial list of companies that may offer these discounts are:

It’s a good idea to ask all companies you are considering which discounts they offer. Savings might not be offered in your area.

Lesser-known factors impacting Dodge Neon insurance rates

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get lower insurance coverage prices.

  • Don’t cancel a policy without a new one in place – Driving with no insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a steep fine or even jail time.
  • Liability insurance protects assets – The liability section of your policy is the coverage that protects you if a court rules you are at fault for damages from an accident. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Do you qualify for a multi-policy discount? – Most insurers will award you with lower prices to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount you still need to compare rates to make sure you are getting the best deal. You may still be able to find better rates by insuring with multiple companies.
  • Policy add-ons can waste money – There are many extra coverages you can purchase when buying insurance coverage. Insurance for roadside assistance, better glass coverage and membership fees may be wasting your money. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Lower deductibles cost more – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your Dodge. Examples of covered claims would be a windshield shattered by a rock, vandalism, or theft. The deductibles are how much you are required to spend out-of-pocket before your insurance coverage pays a claim. The more expense you’re willing to pay, the less your company will charge you for insurance for Neon coverage.
  • Choose a safe vehicle and save – Cars with high safety ratings can get you lower premiums. The safest vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Dodge Neon has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Where you live can impact rates – Choosing to live in less populated areas can save you money when buying insurance coverage. Urban drivers have to deal with traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident and a lower car theft rate.
  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.

Different people need different coverages

When it comes to buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • Who is covered when they drive my 1997 Dodge Neon?
  • Is pleasure use cheaper than using my 1997 Dodge Neon to commute?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need an umbrella policy?
  • How do I file an SR-22 for a DUI in my state?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Beware of misleading car insurance ads

Companies like Allstate, Geico and Progressive consistently run television and radio advertisements. All the ads make the same claim about savings if you change to their company. But how can every company make almost identical claims? This is how they do it.

Different companies can use profiling for the type of driver that makes them money. An example of a desirable insured could be between the ages of 40 and 55, insures multiple vehicles, and has great credit. Any new insured who matches those parameters will get very good rates and therefore will cut their rates substantially.

Drivers who fall outside this ideal profile will be charged higher premiums and this can result in the customer not buying. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can advertise the way they do.

That is why it’s extremely important to get a wide range of price quotes. It is impossible to predict the company that will give you the biggest savings on Dodge Neon insurance.

Parts of your insurance policy

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, a broken windshield, rock chips in glass, theft and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as X-ray expenses, EMT expenses and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage protection

This covers damage to your Neon from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverage

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like funeral expenses, structural damage, bail bonds and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Neon.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

You can do this!

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. In too many instances, an accident victim reduced full coverage and learned later they didn’t have enough coverage. The aim is to buy enough coverage for the lowest price.

Cheap 1997 Dodge Neon insurance can be purchased both online in addition to many insurance agents, so you should compare both to have the best selection. A few companies do not provide online price quotes and these small, regional companies work with independent agents.

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