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FIAT 124 Spider Insurance Rates

Finding cheaper car insurance by getting online quotes saves time, is easy to do, in addition you will probably save money. The key to finding lower rates is to take the time to get rates from all companies so you can compare the cheapest rate quotes.

Finding the best direct price on car insurance can be complicated if you are a beginner to online quotes. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The recommended way to find the lowest 124 Spider insurance cost is to perform an online rate comparison. This is very easy and can be done by visiting this page.

Criteria which help determine FIAT insurance rates

Insurance rates on a FIAT 124 Spider can vary widely and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Credit rating
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • NTSB crash rating for your vehicle
  • Your profession
  • The amount of protection requested
  • Owning a home can lower rates

One last important factor which can affect the rate you pay on your FIAT is the year of manufacture. Models that are a few years old have a much lower replacement value so the cost to replace them may end up costing you less. But newer models may have options including anti-lock brakes, adaptive headlights, and adaptive cruise control which can provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability - This protects you from injuries or damage you cause to people or other property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase higher limits if possible.

Collision coverage - This pays for damage to your FIAT resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 124 Spider can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance - Med pay and PIP coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.

How Much are FIAT 124 Spider Insurance Rates?