Dodge Neon Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Comparing auto insurance by getting online quotes saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to get rates from all providers in order to accurately compare every option.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quoting. But relax because there is an easy way to compare rates. To find the best auto insurance prices, there are several ways of comparing rates and find the best price. The quickest method to find the cheapest Dodge Neon insurance quotes involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine Dodge Neon insurance cost?

Insurance rates paid to insure a Dodge Neon can fluctuate considerably and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Your location impacts rates
  • Annual mileage can affect rates
  • Male rates may be higher
  • The deductible you choose
  • Your vehicle's safety rating
  • Your profession
  • Insurance coverage level
  • Whether you rent or own your home

One last important factor that can impact the rate you pay on your Dodge Neon is the year of manufacture. Used vehicles have a reduced actual cash value so the costs to repair may end up costing you less. Although newer vehicles may have options included like a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system which may help offset higher rates.

Liability

This can cover damages or injuries you inflict on a person or their property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This coverage covers damage to your Neon from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper Dodge Neon insurance rates.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. PIP coverage is not an option in every state and may carry a deductible.

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