How Much Does 2016 FIAT 500X Insurance Cost?

No one in their right mind likes paying for insurance coverage, particularly when their premiums are through the roof.

With so many insurance coverage companies to choose from, it can be challenging to pick the most cost effective car insurance company.

Consumers should take time to compare rates at least once a year due to the fact that insurance rates change frequently. If you had the best rates on 500X insurance a year ago you will most likely find a better rate today. You can find a lot of misleading information regarding insurance coverage online but by reading this article, you’re going to learn some excellent ideas to save money.

Insurance Coverage Prices

When shopping for insurance coverage there are multiple ways to compare quotes from different insurance companies. The best method to compare 2016 FIAT 500X insurance prices consists of obtaining rate quotes online. It is quite easy and can be accomplished using a couple different methods.

The single most time-saving way to get quotes for comparison is a comparison rater form click to view form in new window. This easy form eliminates the need for a different quote to each individual insurance coverage company. Filling out one form will return price quotes from multiple low-cost companies.

A less efficient way to obtain and compare quotes online requires a visit to the website for each individual company to complete a price quote. For example, we’ll assume you want comparison quotes from Allstate, Geico and State Farm. You would have to go to every website and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

The most time-consuming method to compare rates is to spend your day driving to different agent offices. Shopping for insurance coverage online makes this process obsolete unless you want the professional advice of a licensed agent. However, consumers can comparison shop your insurance online and still use a local agent and we’ll cover that in a bit.

Whichever method you choose, make sure you use exactly the same coverage information for every company. If you compare unequal deductibles or liability limits it will be very difficult to determine the lowest rate for your FIAT 500X. Having just a slight variation in insurance coverages can result in a big premium difference. It’s important to know that having more price comparisons will increase your chances of finding the best price.

Impacting insurance rates for a FIAT 500X

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get better auto insurance rates.

  • Theft deterrents lower rates – Owning a car with a theft deterrent system can help bring down rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • What are your deductibles? – Physical damage deductibles represent how much money you are willing to pay in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims would be colliding with a building, collision with an animal, or theft. The more money you have to pay, the lower your rates will be on 500X insurance.
  • Better credit means lower rates – Having a bad credit score is a important factor in calculating your auto insurance rates. People with excellent credit tend to be more responsible than those with poor credit. If your credit is low, you could pay less to insure your 2016 FIAT 500X by improving your rating.
  • Always keep insurance in force – Not having insurance is illegal and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Tickets mean higher rates – Careful drivers tend to pay less for car insurance than their less careful counterparts. Even one ticket can boost insurance rates by as much as thirty percent. If you have dangerous violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Pay less if you’re married – Getting married can get you a discount on auto insurance. Having a spouse usually means you are more mature and responsible it has been statistically shown that married drivers get in fewer accidents.

Lots of discounts mean lots of savings

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specifically requested before they will apply.

  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on 500X insurance than drivers with accidents.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • E-sign – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get reduced rates on 500X insurance.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, car insurance companies aren’t that generous. But any discount will cut the cost of coverage.

Companies that possibly offer these money-saving discounts include:

Double check with each company which discounts they offer. Savings may not apply in your area.

Situations that might require an agent

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions might help in determining if you would benefit from an agent’s advice.

  • How does medical payments coverage work?
  • What are the best liability limits?
  • Should I buy only the required minimum liability coverage?
  • Where can I find DUI or SR-22 insurance?
  • Exactly who is provided coverage by my policy?
  • Are my friends covered when driving my 2016 FIAT 500X?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Specific coverage details

Having a good grasp of your auto insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Auto liability

This can cover damage or injury you incur to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like repair bills for other people’s vehicles, funeral expenses, pain and suffering, medical expenses and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, rock chips in glass, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

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

Collision can pay for things such as damaging your car on a curb, hitting a mailbox, crashing into a building, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your FIAT 500X.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for prosthetic devices, hospital visits, dental work and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

One last thing

We just showed you a lot of techniques to get a better price on 2016 FIAT 500X insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Cost effective insurance can be sourced both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

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