2018 FIAT 500L Insurance Quotes

Searching for better car insurance rates for your FIAT 500L? Shopping for low-cost car insurance on the web can seem to be overwhelming for vehicle owners who are beginners to quoting and buying insurance over the internet. With a ridiculous number of online companies, how can you have time to compare every car insurance company to find the best available rates?

Smart consumers take time to get comparison quotes before your next renewal because prices go up and down regularly. Just because you found the best rates on 500L coverage a few years ago a different company probably has better premium rates today. Block out anything you think you know about car insurance because you’re about to find out the quickest way to eliminate unnecessary coverages and save money.

More affordable rates with discounts

Car insurance is expensive, but there could be significant discounts that may help make it more affordable. Some of these disounts will be visible when you complete an application, but some must be specially asked for in order for you to get them. If you don’t get every credit you qualify for, you are just wasting money.

  • Government Employees – Simply working for the federal government could provide a small rate reduction on 500L coverage with a few car insurance companies.
  • E-sign – Certain insurance companies will give you a small discount for signing up on the web.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes have fewer accidents so you can save 10 percent or more.
  • Professional Memberships – Being a member of a professional or civic organization is a simple method to lower premiums on car insurance.
  • Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Multi-line Discount – Insurance carriers who offer life insurance give lower prices if you buy a life policy as well.
  • Sign Early and Save – A few insurance companies give discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • Low Mileage – Driving less may enable drivers to earn slightly better premium rates than normal.

Discounts lower rates, but some credits don’t apply the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A list of companies and a selection of discounts can be found below.

  • Farm Bureau may include discounts for 55 and retired, multi-policy, safe driver, good student, multi-vehicle, youthful driver, and driver training.
  • MetLife offers discounts including accident-free, claim-free, good student, multi-policy, defensive driver, and good driver.
  • Progressive has discounts for online signing, multi-vehicle, good student, continuous coverage, and online quote discount.
  • AAA may offer discounts for pay-in-full, AAA membership discount, good driver, anti-theft, and good student.
  • American Family may have discounts that include good driver, TimeAway discount, defensive driver, bundled insurance, good student, and multi-vehicle.
  • Geico policyholders can earn discounts including daytime running lights, anti-lock brakes, multi-vehicle, membership and employees, defensive driver, and military active duty.
  • State Farm discounts include anti-theft, accident-free, defensive driving training, good student, and multiple autos.

It’s a good idea to ask every company which discounts you qualify for. All car insurance discounts may not be available everywhere. To view companies that offer many of these discounts, click here.

How to buy insurance

There are a lot of ways to shop for insurance, but there is one way that is more efficient than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could use online quotes to maximize your effort.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and every company can provide price quotes based on that data. This eliminates the need for quote forms to every company.

To fill out one form to compare multiple rates now click to open in new window.

The only drawback to comparing rates this way is that you can’t choose which companies you want pricing from. So if you prefer to pick specific providers to request quotes from, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make sure you are using the exact same coverage data with each company. If you are comparing different deductibles you can’t possibly make an equal comparison. Quoting even small variations in insurance coverages or limits may cause a big price difference. It’s important to know that having more price comparisons provides better odds of finding a lower rate than you’re paying now. Not every company does rate quotes online, so it’s important to compare price quotes from them, too.

What is the best auto insurance coverage?

When buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions could help you determine if you would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • Does my car insurance cover rental cars?
  • When do I need to add a new car to my policy?
  • How much underlying liability do I need for an umbrella policy?
  • Is my custom paint covered by insurance?
  • Am I better off with higher deductibles on my 2018 FIAT 500L?
  • I have a DUI can I still get coverage?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

Car insurance policy coverages for a FIAT 500L

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability insurance

This provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things such as pain and suffering, emergency aid and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like dental work, chiropractic care and doctor visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage covers damage to your 500L from colliding 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 pays for claims like driving through your garage door, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your FIAT 500L.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive car insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, damage from flooding, a broken windshield, fire damage and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Final thoughts

Cost effective 2018 FIAT 500L insurance can be sourced on the web in addition to local insurance agencies, so you need to shop insurance with both to have the best selection. Some insurance companies do not offer online price quotes and these smaller providers work with local independent agencies.

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. In too many instances, an insured cut collision coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

We just showed you many ideas to lower your 2018 FIAT 500L insurance rates. It’s most important to understand that the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the most savings is with the least-expected company.

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