How do I properly apply skincare to my neck

I have really sensitive skin and have to properly remove sunscreen with a cleansing oil or micellar water at the end of the day, or else I’d break out. I get that you have to apply sunscreen to your neck to get the full effects of it in order to not look like a granny with a 20 y/o face by the time I’m 60, but even my neck breaks out when I apply sunscreen without removing it properly. Is this normal? If not, how do I apply sunscreen to my neck then?