Step-by-step Guide to Cheaper Plymouth Neon Insurance
If we enjoyed shopping for car insurance, we'd do it more often. But more than likely, it's challenging for most people and we always end up paying more than we want. Finding affordable insurance for your Plymouth Neon is probably the same story.
Step One: Get Insurance Quotes
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Welcome to the NEW way to buy car insurance!
You can compare insurance rates for a Plymouth Neon simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Neon is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: How to Cut Costs on Neon Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Neon insurance rates.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- If you're a young driver, you will pay more to insure a Neon. There isn't anything you can do about your age, but rates will drop as you mature.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
Step Three: Finalize your Car Insurance Policy
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
If the Plymouth Neon is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Your existing car insurance policy will give you some coverage if you buy a new or used Neon, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
For more detailed car insurance topics, visit the Insurance Information Institute.
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