How Much Does 2000 Dodge Neon Insurance Cost?

Trying to find lower insurance rates for your Dodge Neon? Searching for low-cost insurance for a new or used Dodge Neon can normally be an all-consuming task, but you can learn our insurance buying tips to make it easier.

There are both good and bad ways to shop for insurance so we’re going to tell you the best way to compare rates for your Dodge and locate the cheapest rates either online or from local insurance agents.

You should make it a habit to do rate comparisons quite often since rates are usually higher with each renewal. Just because you found the lowest rates for Neon insurance a few years ago a different company probably has better rates today. Starting now, ignore everything you know about insurance because it’s time to teach you the quickest way to reduce your cost while increasing coverage.

The quickest way to compare rate quotes is to know the fact most insurance companies have advanced systems to quote your coverage. All consumers are required to do is give the companies some data like if it has an anti-theft system, coverage limits, your general credit rating, and the type of vehicles you drive. That rating data gets transmitted to insurance carriers in your area and you should receive rate quotes immediately.

These discounts can lower your rates

Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. Some discounts apply automatically at quote time, but a few need to be specially asked for before you get the savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Seat Belts Save – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. The discount lasts until age 25.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Neon insurance with a few car insurance companies.
  • No Claims – Claim-free drivers pay much less compared to frequent claim filers.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will reduce your overall premium however.

A partial list of companies that may have these discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Discounts might not apply in every state.

Different people need different coverages

When it comes to buying adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether or not you could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • Do I need roadside assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered by my policy?
  • Does my car insurance cover rental cars?
  • Why does it cost so much to insure a teen driver?
  • How much liability coverage do I need in my state?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It is quick, free and can provide invaluable advice.

Specifics of your car insurance policy

Knowing the specifics of a car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability insurance

This coverage can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, attorney fees and legal defense fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision insurance

Collision coverage covers damage to your Neon resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, rolling your car, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses like rehabilitation expenses, dental work, prosthetic devices, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, falling objects and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.