Cheap 2015 FIAT 500e Insurance Quotes

Trying to find cheaper car insurance rates for your FIAT 500e? I can’t think of a single person who looks forward to paying for car insurance, especially knowing they are paying too much.

Since consumers have many different company options, it can be diffult for consumers to locate the right insurer.

Discounts are great for lower rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested in order for you to get them.

  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Accident Free – Claim-free drivers can save substantially compared to accident-prone drivers.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for 500e insurance than less cautious drivers.
  • Defensive Driver – Taking part in a course in driver safety can save you 5% or more depending on where you live.

It’s important to note that some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will cut the amount you have to pay.

Companies that may have these benefits are:

Check with every prospective company which discounts you may be entitled to. Savings may not be available in your area.

Compare the Market for Car Insurance

Most companies give prices for coverage online. Getting quotes is fairly simple as you simply type in your coverage preferences as requested by the quote form. Once entered, the system will order credit information and your driving record and provides a quote determined by many factors. Online quotes simplifies rate comparisons, but the time required to go to many different websites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to perform this step in order to find the lowest price.

The quickest way to find cheaper rates requires only one form that gets price quotes from more than one company. It’s a real time-saver, reduces the work, and makes comparison shopping much easier to do. After sending your information, it is rated and you can select any one of the pricing results.

If a lower price is quoted, you simply finish the application and purchase the new policy. It takes just a few minutes to complete and you will know how your current rates stack up.

In order to compare rates now, click here to open in new window and enter your information. If you currently have coverage, we recommend you type in coverages and limits exactly as they are listed on your policy. Doing this guarantees you’re receiving a fair comparison based on similar coverages.

Factors that can influence FIAT 500e insurance rates

Smart consumers have a good feel for the rating factors that play a part in calculating your insurance coverage rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get better insurance coverage rates.

Shown below are a few of the “ingredients” that factor into your rates.

  • High crash test scores lower rates – Vehicles with good safety scores tend to have better insurance rates. Safer cars reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your FIAT 500e is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Discounts for married couples – Having a spouse helps lower the price on insurance coverage. Having a spouse translates into being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Low deductibles can be expensive – Physical damage deductibles define the amount you are required to spend in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The higher the amount you have to pay, the lower your rates will be for 500e insurance.
  • Mature drivers pay less – Young drivers have a tendency to be careless and easily distracted when behind the wheel so insurance coverage rates are higher. Older insureds are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel.
  • Pleasure use or commuting – The more you drive in a year the more you’ll pay to insure your vehicle. Most companies rate vehicles based on how the vehicle is used. Cars left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your insurance coverage policy shows the correct driver usage. Incorrect usage on your 500e can cost quite a bit.
  • Poor credit can mean higher rates – Your credit history is a large factor in calculating your insurance coverage rates. If your credit history is not that good, you could be paying less to insure your 2015 FIAT 500e by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Liability insurance protects assets – Liability coverage will protect you if ever you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.

You may need specialized coverage

When choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For example, these questions may help highlight if you would benefit from an agent’s advice.

  • What if I total my 2015 FIAT 500e and owe more than it’s worth?
  • When can I cancel my policy?
  • Is motorclub coverage worth it?
  • I don’t drive much so do I pay less?
  • Do I need an umbrella policy?
  • Is a fancy paint job covered?
  • Does coverage extend to my business vehicle?
  • Should I have a commercial auto policy?
  • Does my personal policy cover me when driving out-of-state?
  • What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

The insurance coverage bait and switch

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies make an identical promise about savings after switching your policy. How can each company make the same claim?

All the different companies are able to cherry pick for the type of customer that earns them a profit. A good example of a profitable customer might be profiled as between the ages of 40 and 55, has no driving citations, and has great credit. A customer who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who are not a match for this ideal profile will be charged higher rates which leads to business going elsewhere. The ads state “customers that switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can advertise the way they do.

That is why you need to get as many comparisons as possible. It is impossible to predict the company that will give you the biggest savings on FIAT 500e insurance.

Car insurance 101

Having a good grasp of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types offered by car insurance companies.

Liability car insurance

Liability coverage protects you from damage that occurs to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like funeral expenses, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like hospital visits, pain medications, funeral costs and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your FIAT 500e.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, vandalism, damage from flooding and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Save your hard earned cash

Discount 2015 FIAT 500e insurance is possible on the web in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.

We just showed you a lot of tips how to save on insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest priced insurance coverage comes from the least-expected company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.

More tips and info about insurance coverage can be read by following these links: