2001 Dodge Neon Car Insurance Quotes

Want better insurance rates for your Dodge Neon? Having to pay for overpriced Dodge Neon insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to cut your insurance bill.

You have so many insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates and cut insurance costs.

Insurance Quote Comparison

Most major insurance companies like Progressive, Geico, Allstate and State Farm provide prices for coverage directly from their websites. Obtaining pricing is quite easy as you just enter your required coverages into the quote form. Once you submit the form, the company’s rating system collects your credit score and driving record and provides a quote determined by many factors. Online price quotes streamlines rate comparisons, but the work required to visit multiple sites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to perform this step if you are searching for better prices.

Isn’t there an easier way to compare rates?

The preferred way to locate the lowest prices makes use of a single form that gets prices from several companies at one time. It saves time, eliminates repetitive work, and makes quoting online much more efficient. Immediately after you send the form, it is rated and you can select any one of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process only takes a few minutes and may save quite a bit of money.

To quickly compare rates now, click here and fill out the form. If you have your current policy handy, we recommend you input deductibles and limits exactly as they are listed on your policy. This makes sure you will be getting a fair comparison using the same coverage and limits.

Save money by taking advantage of these discounts

Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be inquired about before being credited.

  • Resident Student – Kids in college who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could cut 10% or more off your medical payments premium.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Neon coverage with select insurance companies.
  • Accident Waiver – A few companies permit an accident before your rates go up if you are claim-free for a set time period.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
  • E-sign – A few companies give back up to $50 simply for signing digitally online.
  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Neon coverage than drivers with accidents.
  • No Accidents – Drivers who don’t have accidents pay less when compared to frequent claim filers.

Drivers should understand that most discounts do not apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates you could get a free insurance policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

To see a list of companies offering insurance discounts, click here.

When should I use an insurance agent?

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can help discover if you will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need more liability coverage?
  • What if I don’t agree with a claim settlement offer?
  • Am I missing any policy discounts?
  • Is my teen driver covered when they drive my company car?
  • What is covered by UM/UIM coverage?
  • Does my insurance cover a custom paint job?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is the ISO rating for a 2001 Dodge Neon?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Dodge Neon insurance rates can be determined by these details

It’s important that you understand the rating factors that help determine the price you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Rural vs Urban Areas – Choosing to live in a small town can save you money when talking about car insurance. City drivers have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents.
  • Drive less and save money – The more miles you rack up on your Dodge in a year’s time the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy is rated on how each vehicle is driven. Incorrect usage on your Neon may be costing you.
  • Tickets mean higher rates – Even a single ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Drivers who get severe violations such as DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse is a quick way to bump up your car insurance costs. Not only will you pay more, getting caught without coverage can result in a steep fine or even jail time.You may need to file a SR-22 with your state department of motor vehicles.
  • Rates may be lower depending on your job – Careers like lawyers, architects and dentists tend to pay the highest average rates due to stressful work requirements and long work days. Other occupations like pilots, historians and retirees have the lowest average rates on Neon coverage.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safer cars reduce injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Dodge earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Slick advertising tricks that work

Companies like Progressive, Geico, Allstate and State Farm regularly use ads in print and on television. All the ads make an identical promise of big savings if you move your policy. But how can every company claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer that earns them a profit. An example of a profitable customer might be between 30 and 50, has no prior claims, and has great credit. A customer who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Drivers who don’t qualify for the requirements will be charged higher premiums which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently claim big savings.

That is why you should compare many company’s rates. It’s just too difficult to predict which car insurance company will give you the biggest savings on Dodge Neon insurance.

Insurance coverages explained

Having a good grasp of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Coverage for uninsured or underinsured drivers – This gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Neon.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.

Liability coverage – This protects you from damage or injury you incur to a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, pain and suffering, bail bonds and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses like surgery, hospital visits, prosthetic devices, X-ray expenses and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, rock chips in glass and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays for damage to your Neon from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Don’t throw your cash in the trash

We just showed you a lot of techniques to get a better price on 2001 Dodge Neon insurance. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even find the lowest premiums are with some of the lesser-known companies. They can often provide lower rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

When trying to cut insurance costs, never buy less coverage just to save a little money. In many cases, an accident victim reduced liability coverage limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

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