How Much Does 2017 FIAT 500 Car Insurance Cost?

Looking for cheaper car insurance rates for your FIAT 500? Nobody gets a kick out of paying for car insurance, especially when they are aware that they could find better rates elsewhere.

Multiple car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a provider to find the absolute cheapest price

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding affordable coverage is not rocket science. But vehicle owners must understand the way insurance companies sell online and use this information to your advantage.

Components of your FIAT 500 insurance premiums

Smart consumers have a good feel for the factors that help determine the rates you pay for insurance coverage. If you understand what controls the rates you pay, this allows you to make good choices that may reward you with big savings.

  • Alarm systems lower insurance coverage rates – Driving a car that has an advanced theft prevention system can earn a premium discount. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft and help lower rates.
  • Younger drivers pay higher rates – Inexperience drivers are proven to be careless and easily distracted when at the wheel of a vehicle therefore insurance coverage rates are much higher. Parents adding a youthful driver onto a policy can cause a big jump in price. Older insureds are proven to be safer behind the wheel, are lower risk to insure and are safer drivers.
  • Premiums and your address – Being located in smaller towns and rural areas of the country has definite advantages when buying insurance coverage. People in densly populated areas have to deal with congested traffic and longer commute times. Fewer drivers and short commutes translates into fewer accidents and lower theft and vandalism rates.
  • Long commutes cost more – Driving more miles each year the more you’ll pay to insure your vehicle. Many insurance companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage can be on a lower rate level than those that get driven frequently. It’s always a good idea to double check that your insurance coverage declarations sheet reflects how each vehicle is driven, because improper ratings can cost you money. Having the wrong rating on your 500 may be costing you higher rates.

The method we recommend to compare policy rates is to realize almost all companies will pay a fee to give free rates quotes. All consumers are required to do is spend a couple of minutes providing details like whether you are married, whether you drive to work or school, whether or not you need a SR-22, and your job. That information gets transmitted to insurance companies and you get price estimates instantly to find the best rate.

To compare rates now, click here and find out if lower rates are available.

Find discounts on car insurance

Car insurance can cost a lot, but you might be missing out on some discounts to help bring down the price. Certain credits will be shown at quote time, but less common discounts must be asked about before they will apply.

  • Discount for Swiching Early – A few car insurance companies give discounts for switching companies early. You may see this discount when you get car insurance quotes online.
  • Low Mileage Discounts – Fewer annual miles on your FIAT can earn better premium rates on cars that stay parked.
  • College Student – who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
  • Telematics Devices – Drivers that enable driving data collection to monitor their driving habits by using a telematics device like Allstate’s Drivewise may see discounts if they exhibit good driving behavior.
  • Waiver for an Accident – Not a discount per se, but some companies like Progressive, State Farm and Geico may permit one accident before raising your premiums if you are claim-free for a specific time period.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Multiple Cars – Drivers who insure multiple cars or trucks with the same car insurance company can reduce rates for all insured vehicles.

We need to note that some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.

Auto insurance companies who might offer many of the previously listed discounts include:

Before purchasing a policy, check with each company or agent how many discounts you can get. Depending on the company, some discounts might not apply in your area. To find companies who offer cheap car insurance quotes, follow this link.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is no one size fits all plan. Every situation is different so your insurance should reflect that For instance, these questions may help highlight whether or not you could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have health insurance so do I need medical payments coverage?
  • Do I need roadside assistance coverage?
  • Do I need higher collision deductibles?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Auto insurance policy coverages for a FIAT 500

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Collision coverage protection

Collision insurance pays for damage to your 500 resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your FIAT 500.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, rock chips in glass, a tree branch falling on your vehicle and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as X-ray expenses, hospital visits and dental work. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability

This will cover injuries or damage you cause to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, medical services, legal defense fees, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Shop smart and save

We covered a lot of techniques to compare 2017 FIAT 500 insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers may even find the best car insurance rates are with the smaller companies. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Progressive or Geico.

Affordable 2017 FIAT 500 insurance is attainable online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer rates over the internet and usually these small insurance companies provide coverage only through local independent agencies.

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