Texas shoppers have lots of choices when shopping for low-cost Dodge Neon insurance. You can either spend your time driving around trying to get quotes or save time using the internet to make rate comparisons. There are more efficient ways to compare car insurance rates and we’ll show you the absolute fastest way to price shop coverage for a new or used Dodge and locate the lowest possible price from both online companies and Texas agents.
Consumers need to shop coverage around periodically because insurance rates are usually higher with each renewal. Even if you think you had the lowest rates for Neon coverage six months ago you will most likely find a better rate today. Don’t believe everything you read about car insurance online but we’re going to give you the best ways to save money.
Choosing the best insurance company for you is quite easy. If you have car insurance now, you should be able to save some money using these methods. But Texas drivers can benefit from knowing the way insurance companies compete online and take advantage of how the system works.
Compare Texas Car Insurance Costs
There are several ways to compare car insurance prices and some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to achieve your goal.
All the larger companies participate in an industry program where prospective buyers only type in their quote data once, and at least one company then returns a price quote based on that data. This saves time by eliminating repetitive form submissions to each company. To enter your information into the quoting system, click here (opens in new window).
The only drawback to doing it this way is that you can’t choose which companies you want pricing from. If you would rather choose specific insurance companies to compare, we put together a list of companies who write car insurance in Texas. View list of Texas insurance companies.
It’s up to you which method you use, but ensure you are comparing apples-to-apples quote information on every quote you get. If you compare mixed coverages you will not be able to determine the lowest rate for your Dodge Neon. Slightly different coverages could mean much higher rates. Keep in mind that quoting more will enable you to find the best offered rates.
You probably qualify for some discounts
Companies that sell car insurance don’t necessarily list every available discount in an easy-to-find place, so here is a list some of the more common as well as the least known savings tricks you should be using.
- Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more depending on where you live.
- Government Employees – Simply working for the federal government can save as much as 8% for Neon coverage depending on your company.
- Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
- Claim Free – Drivers with accident-free driving histories can save substantially compared to accident-prone drivers.
- Sign Online – A handful of insurance companies give back up to $50 simply for signing online.
- Student in College – Kids in college who live away from home without a vehicle on campus can be insured at a reduced rate.
As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
To choose insurers with the best car insurance discounts in Texas, click here.
Everyone needs different coverages
When choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.
Here are some questions about coverages that may help you determine if you may require specific advice.
- Am I covered when driving on a suspended license?
- Will I be non-renewed for getting a DUI or other conviction?
- When should my teen driver be added to my policy?
- Do I have coverage when pulling a U-Haul trailer?
- Does my personal policy cover me when driving my company car?
- Who is covered by my policy?
- Should I put collision coverage on all my vehicles?
- Is my custom paint covered by insurance?
- Does my policy cover me when driving someone else’s vehicle?
If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.
Online resources for education
Additional detailed information is located at the Texas Department of Insurance website. Texas drivers can read industry bulletins, find a variety of consumer forms, and view agent and company licensing information.
The articles below may also help you learn more about car insurance in Texas