Save on 2005 Dodge Neon Car Insurance Quotes

Expensive insurance can take a big chunk out of your personal savings and force you to make sacrifices. Comparison shopping is a great way to tighten up your finances. Companies like State Farm, Progressive and Geico all claim big savings with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

It’s smart to do rate comparisons once or twice a year since rates change frequently. If you had the best deal for Neon coverage two years ago you may be paying too much now. Starting now, block out anything you think you know about insurance because you’re going to learn how to use online quotes to find lower rates on insurance.

If you have insurance now or need a new policy, you can use these tips to cut your premiums and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need to know the most effective way to buy insurance coverage on the web.

Comprehensive Auto Insurance Comparison

Shopping for lower auto insurance rates can take hours if you don’t know the fastest way to get free quotes. You could spend your day driving to agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Many companies take part in a program that allows shoppers to send in one quote, and every company then returns a price quote determined by their information. This eliminates the need for quotation requests to each company.

To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose the insurers you want to price. If you prefer to choose from a list of companies to request quotes from, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever method you choose, ensure you are comparing exactly the same coverages with each company. If you use different limits and deductibles on each one you can’t possibly make a fair comparison for your Dodge Neon.

You may need specialized coverage

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions could help you determine if you would benefit from professional advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Is my 2005 Dodge Neon covered for flood damage?
  • What is high-risk coverage and where do I buy it?
  • How high should my medical payments coverage be?
  • When should I remove comp and collision on my 2005 Dodge Neon?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my dog or cat covered if injured in an accident?
  • Can my teen driver be rated on a liability-only vehicle?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Car insurance coverage options for a 2005 Dodge Neon

Knowing the specifics of your car insurance policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on most car insurance policies.

Collision coverage protection

Collision coverage covers damage to your Neon caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, rolling your car, scraping a guard rail, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like surgery, ambulance fees, pain medications and dental work. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as court costs, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, theft and damage from flooding. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2005 Dodge Neon.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits do not exceed the liability coverage limits.