Compare 2003 Dodge Neon Insurance Quotes

Searching for the cheapest insurance coverage rates for your Dodge Neon? Have you finally had enough of paying out the nose each month for insurance coverage? You are no different than many other consumers.

Consumers have so many insurance companies to choose from, and though it is a good thing to have a choice, it makes it harder to find the best rates.

Smart consumers take time to take a look at other company’s rates once or twice a year due to the fact that insurance rates change regularly. Just because you had the lowest premium rates for Neon insurance two years ago you may be paying too much now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the best methods to properly buy coverages while reducing your premium.

Free insurance coverage quotes

There are multiple methods to compare insurance coverage prices but one way is easier and takes less work. You could waste time driving to agents in your area, or you could use online quoting to get the quickest rates.

The majority of car insurance companies take part in a program that allows shoppers to submit one quote, and each participating company returns a competitive quote based on that information. This eliminates the need for quote requests to each individual insurance coverage company. To find out how much you can save on insurance coverage click to open in new window.

The only downside to using this type of form is buyers cannot specifically choose which carriers to get quotes from. If you would rather choose specific providers for rate comparison, we have a listing of insurance coverage companies in your area. View list of insurance companies.

Compare rates however you want, just compare identical coverage information on every quote. If you are comparing higher or lower deductibles you can’t possibly find the best deal for your Dodge Neon. Slightly different coverages could mean much higher rates. And when quoting insurance coverage, remember that comparing more quotes helps improve the odds of finding the best rates.

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Cheaper rates with these insurance discounts

Car insurance can cost a lot, but you might be missing out on some discounts that can help lower your rates. Many discounts should be triggered when you quote, but some discounts are required to be specially asked for before being credited.

• Distant Student Discount – Older children who are enrolled in higher education away from home and leave their car at home may be insured at a cheaper rate.
• Discount for Swiching Early – A few insurance companies give discounts for switching policies early. You can save around 10% with this discount.
• Professional Organizations – Being in specific professional or occupational memberships or organizations could earn you a nice discount when shopping for insurance.
• Sign Online – A handful of insurance companies may give you up to $50 for buying your policy on their website.
• Senior Citizen Discount – Drivers over the age of 55 can get a small decrease in premiums for Neon insurance.
• Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class in high school.
• Multiple Policy Discount – If you can combine your home and auto policy with the same company they may give you a discount of approximately 10% to 15%.
• Good Student Discount – Performing well in school may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Military Discounts – Having an actively deployed family member may qualify for rate reductions.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.

As is typical with insurance, most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck. Any amount of discount should help reduce the cost of your policy.

If you would like to view companies that offer some of these discounts, click here to view.

Auto insurance can get complicated

When it comes to choosing adequate coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

• What is medical payments coverage?
• Is rental equipment covered for theft or damage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What if I total my 2003 Dodge Neon and owe more than it’s worth?
• Am I covered if I hit my neighbor’s mailbox?
• Does my insurance cover my expensive audio equipment?
• Am I covered when driving in Canada or Mexico?
• How much liability coverage do I need in my state?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Six tips to get more affordable insurance premiums

Many factors are part of the calculation when quoting car insurance. A few of the factors are predictable like an MVR report, although some other factors are less apparent such as whether you are married or your commute time.

The following are most of the major factors car insurance companies consider when setting premiums.

• Deter theft and save money – Purchasing a vehicle that has a built-in theft deterrent system can get you a discount on your car insurance. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
• Better drivers have lower rates – Having just one speeding ticket or other violation can increase rates by as much as thirty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers unfortunate enough to have severe tickets like reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent their license from being revoked.
• Physical damage deductibles are a factor – Protection for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Examples of some claims that would be covered would be running into the backend of another car, damage from fire, and rolling your vehicle. Comp and collision deductibles are the amount of money you are required to pay in the event of a claim. The more money you pay before a claim is paid (deductible), the less money you will pay for car insurance for Neon insurance.
• Bundle policies and save – Some insurance companies apply better rates to customers who have multiple policies with them. It’s known as a multi-policy discount. If you currently are using one company, you may still want to check prices from other companies to guarantee you are still saving the most.
• Drive lots and pay more – The higher the miles on your Dodge annually the higher your rates will be. Almost all companies charge rates partially by how you use the vehicle. Cars and trucks left parked in the garage receive lower rates compared to those used for work or business. A policy that improperly rates your Neon may be costing you higher rates. Verify your car insurance coverage properly reflects the proper vehicle usage, because it can save money.
• Only buy extra policy coverages you need – Policies have additional extra coverages that may not really be needed if you aren’t careful. Coverages like rental car reimbursement, accident forgiveness, and Farm Bureau memberships could be just wasting money. These coverages may sound good when buying your policy, but if you’ve never needed them in the past remove them and pocket the money.

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Car insurance policy specifics

Knowing the specifics of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average car insurance policy.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for expenses such as prosthetic devices, nursing services and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – Collision coverage covers damage to your Neon from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2003 Dodge Neon.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance – This protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people, 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. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as repair costs for stationary objects, legal defense fees, bail bonds, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

A tidy conclusion

Low-cost 2003 Dodge Neon insurance can be purchased online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not have price quotes online and usually these regional carriers sell through independent agents.

In this article, we presented a lot of information how to shop for 2003 Dodge Neon insurance online. It’s most important to understand that the more providers you compare, the better likelihood of getting affordable insurance coverage. Drivers may discover the lowest rates come from a small local company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

Even more information is located in these articles:

• Understanding Limits and Deductibles (Allstate)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance: When not to Skimp (BankRate.com)
• Where can I buy Insurance? (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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