How Much Does 2017 FIAT 500e Car Insurance Cost?

Paying for expensive FIAT 500e insurance can draw down your budget and put the squeeze on your family’s finances. Performing a price comparison is recommended to reduce premiums and put more money in your pocket.

Big companies like Geico, Farmers Insurance and State Farm constantly bombard you with fancy advertisements and it can be hard to avoid their marketing magic and take the time to shop coverage around.

Ways to get car insurance quotes

Most of the larger companies provide pricing directly from their websites. Doing online price comparisons is fairly simple because it’s just a matter of typing in the coverage amounts you desire as detailed in the form. After the form is submitted, the quote system collects your driving and credit reports and quotes a price based on these factors. Online quotes makes comparing rates easy, but the time it takes to visit several different sites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to do this in order to find the lowest car insurance rates.

Quote rates the easy way

The easiest way to find better car insurance pricing makes use of a single form that obtains quotes from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much simpler. Once the form is submitted, it gets priced and you can choose any or none of the pricing results. If the quotes result in lower rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and may result in a nice savings.

To find out what other companies charge, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you duplicate the coverage information identical to your current policy. This guarantees you will get a fair comparison for similar insurance coverage.

Advertising and auto insurance

Respected companies like Progressive, Allstate and Geico constantly bombard you with television, radio, and online ads. All the companies advertise claims that drivers will save a bundle just by moving your policy. How can each company charge less that you’re paying now? Here is how they do it.

Insurance companies have specific characteristics for the type of driver that is profitable for them. One example of a profitable risk profile could possibly be a married male, has had continuous coverage, and has excellent credit. Any customer that matches those criteria will qualify for the lowest premium rates as well as save when they switch companies.

Consumers who do not meet the ideal profile must pay higher rates and ends up with the prospect going elsewhere. If you listen closely, the ads state “customers that switch” but not “everyone who gets a quote” save the amount stated. That is how companies can make claims like that. This emphasizes why you should compare as many free insurance quotes as you can. Because you never know which auto insurance company will give you lower prices than your current company.

Why you might pay higher rates

Consumers need to have an understanding of some of the things that help calculate your auto insurance rates. If you know what controls the rates you pay, this empowers consumers to make smart changes that could result in much lower annual insurance costs. Many different elements are used when you get a price on insurance. Some are pretty understandable such as your driving history, but other factors are not quite as obvious such as your credit history or how financially stable you are.

  • Big city or small town – Living in a small town may provide you with better prices when it comes to auto insurance. Fewer people translates into fewer accident claims in addition to fewer liability claims. Residents of big cities tend to have more auto accidents and more time behind the wheel. Spending more time driving translates into higher accident risk.
  • Safety first – Vehicles with high crash test scores tend to be cheaper to insure. Safer cars protect occupants better and fewer serious injuries means your insurance company pays less passed on to you as lower rates.
  • Qualify for multi-policy discounts – Most larger insurance companies allow a discount to people that buy multiple policies in the form of a multi-policy discount. Even with this discount, drivers will still want to compare other company rates to help guarantee you have the best rates. Drivers may still find lower rates by buying insurance from more than one company.
  • Do you have enough liability insurance? – Your policy’s liability coverage provides coverage if ever you are determined to be liable for damages from an accident. Your liability coverage provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Females pay lower prices – Statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have fender benders in similar numbers, but the males tend to have higher claims. Men also tend to have more aggressive citations such as DWI and reckless driving. Male teenagers are the most expensive to insure so it costs more to insure them.
  • Your car’s features help determine premiums – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft and help lower rates.
  • Do you really need roadside assistance? – Insurance companies have many extra add-on coverages that you can get tricked into buying but may not be useful. Coverage for things like coverage for rental cars, better glass coverage, and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.

Discount insurance coverage rates

Car insurance can cost a lot, but there are discounts available that could drop your premiums quite a bit. Some discounts will apply at the time of quoting, but lesser-known reductions have to be requested specifically in order for you to get them.

  • Bundled Policy Discount – When you have multiple policies and insure them with the same company you may earn approximately 10% to 15%.
  • Home Ownership Discount – Owning your own home or condo can get you a discount because maintaining a house shows financial diligence.
  • Defensive Driving Course – Successfully completing a defensive driver course is a good idea and can lower rates and easily pay for the cost of the class.
  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • Claim-Free Discount – Drivers who don’t have accidents can save substantially as opposed to frequent claim filers.
  • Include Life Insurance and Save – Larger insurance companies have better premium rates if you take out a life insurance policy as well.
  • New Car Discount – Buying a new car model is cheaper since newer models are generally safer.

Discounts save money, but please remember that most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

If you would like to view providers that provide some of the discounts listed above, click here to view.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • When can my company non-renew my policy?
  • What if I total my 2017 FIAT 500e and owe more than it’s worth?
  • Do I need added coverage for expensive stereo equipment?
  • Are split liability limits better than a combined single limit?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a FIAT 500e

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, theft and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as pain medications, hospital visits, surgery, doctor visits and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your FIAT 500e.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverage

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as structural damage, court costs and legal defense fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Collision coverage protection

Collision insurance pays for damage to your 500e caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, driving through your garage door, damaging your car on a curb, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Take this to the bank

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced liability coverage limits and learned later they didn’t purchase enough coverage. Your objective should be to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

Some insurance companies do not offer price quotes online small, regional companies sell through local independent agents. Cheaper insurance coverage is attainable on the web as well as from independent agents, so you should compare both to have the best selection.

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