2013 FIAT 500 Car Insurance Quotes – 9 Ideas for Cheapest Rates

Trying to find cheaper auto insurance rates for your FIAT 500? Searching for cheaper insurance for your FIAT 500 can normally be an all-consuming task, but you can use our auto insurance buying tips to find lower rates. There is a better way to shop for auto insurance so we’re going to tell you the best way to quote coverages for your FIAT and find the lowest possible price from local insurance agents and online providers.

Smart consumers take time to compare rates quite often since insurance rates change frequently. Even if you think you had the lowest rates on 500 insurance a couple years back you can probably find a better price now. Starting right now, forget all the misinformation about auto insurance because you’re about to learn one of the easiest ways to save on auto insurance.

Pay less by taking advantage of these nine discounts

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • E-sign – Some insurance companies may give you up to $50 simply for signing digitally online.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Senior Discount – If you’re over the age of 55, you may receive better car insurance rates on 500 insurance.
  • Good Student – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Student in College – Kids in college living away from home attending college and don’t have a car may qualify for this discount.
  • No Claims – Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of insurers who offer car insurance discounts, click here.

Compare the Market for Car Insurance

Effectively comparing car insurance prices can take hours if you don’t know the easiest way. You can waste a few hours (or days) driving to insurance agencies in your area, or you can stay home and use online quotes to maximize your effort.

Most of the larger companies belong to an insurance system that enables customers to complete one form, and at least one company then gives them pricing based on the submitted data. This saves time by eliminating quotation requests for each company.

To enter your information into the quoting system, click here to open in new window.

The one disadvantage to using this type of form is that consumers can’t choose the companies you want to price. So if you prefer to choose individual companies to request quotes from, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same coverage limits and deductibles for each price quote. If you use different deductibles it will be impossible to determine the lowest rate for your FIAT 500.

Your coverage should be tailored to you

When it comes to choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether you will benefit from professional help.

  • Am I covered if I break a side mirror?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is motorclub coverage worth it?
  • What is medical payments coverage?
  • Should I buy full coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Parts of your car insurance policy

Having a good grasp of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive car insurance

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, a broken windshield and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your FIAT 500.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses like X-ray expenses, funeral costs, surgery, dental work and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability

This will cover damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, pain and suffering, attorney fees and bail bonds. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Stretch your dollar

Cost effective 2013 FIAT 500 insurance is possible online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

We just presented a lot of tips how to compare insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even find the most savings is with a company that doesn’t do a lot of advertising.

Consumers change insurance companies for a variety of reasons including not issuing a premium refund, questionable increases in premium, being labeled a high risk driver or high rates after DUI convictions. Regardless of your reason for switching companies, finding the right auto insurance provider can be easier than you think.

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