1995 Dodge Neon Insurance Rates – 8 Ideas for Cheaper Quotes

Searching for cheaper auto insurance rates for your Dodge Neon? People not familiar with buying insurance online will find finding the lowest-priced auto insurance is not as easy as it seems.

You need to do rate comparisons at least once a year due to the fact that insurance rates change quite often. Even if you think you had the best rates on Neon insurance six months ago you may be paying too much now. Don’t believe everything you read about auto insurance on the web, but by reading this article, you’re going to learn a bunch of ideas how to put money back in your pocket.

The best way we recommend to compare insurance rates in your area is to know the fact most of the bigger providers provide online access to quote your coverage. The only thing you need to do is provide a little information including your general credit rating, the make and model of your vehicles, distance driven, and types of safety features. Your rating data is instantly sent to all major companies and you receive quotes instantly to find the best rate.

Car insurance is unique, just like you

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Every situation is different.

For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • Am I getting all the discounts available?
  • Do I need replacement cost coverage?
  • Is my Dodge Neon covered if I use it for business?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need more liability coverage?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1995 Dodge Neon.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, rock chips in glass, theft and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage pays for damage to your Neon resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, scraping a guard rail, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like hospital visits, rehabilitation expenses, EMT expenses, chiropractic care and surgery. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance protects you from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, emergency aid, attorney fees and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.