2002 Dodge Neon Insurance Rates

Looking for better insurance coverage rates for your Dodge Neon? Scraping up a payment for high-priced Dodge Neon insurance can drain your family’s budget, especially in this economy. Doing a rate comparison is recommended to make ends meet.

Popular companies such as State Farm and Geico all claim big savings, bombarding you with advertising and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

Consumers need to take a look at other company’s rates before your next renewal because prices are adjusted regularly by insurance companies. If you had the lowest rate on Neon insurance a year ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re about to find out how to quote online to find better coverage at a better price.

If you have a policy now or are just looking to switch companies, you can use this information to find the best rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need to know the proper way to compare prices online.

Save a ton with discounts

Car insurance can cost a lot, but there could be available discounts that can dramatically reduce your bill. Certain discounts will be applied when you get a quote, but a few must be inquired about before they will apply. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.

• Sign Online – Many insurance companies give back up to $50 for signing up over the internet.
• Discount for New Cars – Buying a new car model can get you a discount because newer vehicles are generally safer.
• Safe Driver Discount – Safe drivers can save up to 40% or more on their auto insurance quote on Neon insurance than drivers with accident claims.
• Military Deployment Discount – Having a deployed family member could qualify you for better prices.
• Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
• Federal Government Employee – Active or retired federal employment could provide a small rate reduction on Neon insurance with select insurance companies.
• Multiple Vehicles – Buying a policy with more than one vehicle on a single policy qualifies for this discount.

Remember that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, nobody gets a free ride.

Some of the insurance companies that may offer these money-saving discounts possibly include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

When comparing rates, check with every company how many discounts you can get. Savings might not apply in your state.

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What is the best auto insurance coverage?

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation might need professional guidance.

• How high should my uninsured/underinsured coverage be in my state?
• Is my 2002 Dodge Neon covered for smoke damage?
• Am I covered if I wreck a rental car?
• Am I better off with higher deductibles on my 2002 Dodge Neon?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is there coverage for injuries to my pets?
• Which companies will insure high-risk drivers?
• What vehicles should carry emergency assistance coverage?
• What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Can switching companies really save?

Drivers can’t escape the ads that claim the cheapest car insurance rates from companies such as Allstate and Progressive. They all try to convey promises that drivers can save some big amount if you move to them.

But how can every company charge lower premium rates? You have to listen carefully.

Most companies have a preferred profile for the type of insured that earns them a profit. For example, a preferred risk may be between 25 and 40, owns a home, and the vehicle is rated for pleasure use. Someone who meets those qualifications receive the lowest rate quotes and will most likely save when switching.

Potential customers who fall short of this ideal profile will probably be forced to pay higher premium rates and this can result in the customer buying from someone else. If you pay attention, the ads say “people who switch” not “everyone who quotes” save that much. That’s why insurance companies can confidently lure you into getting a quote. Each company has different criteria, so it is so important to do a price quote comparison at every renewal. It’s not possible to predict the company that will have the best rates at this point in time.

The coverage is in the details

Having a good grasp of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Collision – Collision insurance will pay to fix damage to your Neon resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like X-ray expenses, pain medications and nursing services. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your 2002 Dodge Neon.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability – This coverage will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like legal defense fees, funeral expenses, bail bonds, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, rock chips in glass, vandalism, a tree branch falling on your vehicle and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

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Stretch your dollar

Discount 2002 Dodge Neon insurance can be bought both online as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies may not have internet price quotes and most of the time these small insurance companies only sell coverage through local independent agencies.

We covered many tips how you can lower your 2002 Dodge Neon insurance auto insurance rates. The key thing to remember is the more times you quote, the higher the chance of saving money. You may be surprised to find that the best auto insurance rates are with a small local company. Smaller companies may only write in your state and offer lower premium rates than the large multi-state companies such as Progressive or Geico.

Helpful information

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)

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