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FIAT 500 Insurance Rates

Comparing auto insurance from online companies saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to get rates from as many companies as possible in order to have all your choices.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quoting. Don't let that stop you because there is an easy way to compare rates. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes comparing rates online from several insurance companies. This can be done by comparing rates here.

What factors determine FIAT 500 insurance cost?

Insurance rates for your FIAT 500 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Your location impacts rates
  • High miles vs. low miles
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

One last important factor that can impact the rate you pay on your FIAT is the year of manufacture. Newer models have a higher value so the costs to repair may result in higher rates. But new FIAT models may have options including an advanced theft deterrent system, all-wheel drive, and traction control which may lower rates.

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

Liability coverage

This provides protection from damages or injuries you inflict on other's property or people. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.

How Much are FIAT 500 Insurance Rates?