Trying to find better auto insurance rates for your FIAT 500? Searching for better insurance prices for your FIAT 500 can normally be difficult, but you can use the following methods and make it easy.
There is a better way to compare auto insurance rates so we’re going to tell you the best way to get price quotes on a FIAT and find the lowest price from local insurance agents and online providers.
Some companies don’t list their entire list of discounts very clearly, so the below list has some of the more common and the harder-to-find credits available to bring down your rates.
Remember that most credits do not apply to the entire cost. Most only reduce specific coverage prices like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky.
Larger auto insurance companies and a selection of discounts can be read below.
It’s a good idea to ask each company or agent to apply every possible discount. A few discounts may not be available in your state. To choose insurers that can offer you the previously mentioned discounts, follow this link.
When it comes to buying coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that could help you determine if you would benefit from professional advice.
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.
Having a good grasp of auto insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.
Collision coverage will pay to fix damage to your 500 from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sideswiping another vehicle, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.
Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.
Liability can pay for things such as repair bills for other people’s vehicles, pain and suffering and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as vandalism, a tree branch falling on your vehicle, hitting a deer, hitting a bird and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, nursing services and X-ray expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible
This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your FIAT 500.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.
In this article, we presented a lot of tips how to lower your 2016 FIAT 500 insurance car insurance rates. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced insurance coverage comes from a small local company.
Cheaper insurance coverage is attainable both online as well as from insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. A few companies may not offer rate quotes online and usually these regional insurance providers provide coverage only through independent agencies.
Drivers change insurance companies for a number of reasons such as denial of a claim, extreme rates for teen drivers, poor customer service and not issuing a premium refund. Whatever your reason, finding a new company can be easy and end up saving you some money.