How Much Does 2017 FIAT 500L Insurance Cost?

Searching for better car insurance rates for your FIAT 500L? Locating better insurance prices for your FIAT 500L could be difficult, but you can use the following methods to find lower rates.

There is a better way to buy car insurance so you’re going to learn the proper way to get price quotes on a FIAT and find the lowest price from local insurance agents and online providers.

If you are insured now or are shopping for new coverage, you will benefit by learning to get lower rates and still get good coverage. Finding affordable coverage is not that difficult. Drivers just need to learn the tricks to get comparison quotes online.

Cheap auto insurance price quotes online

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You can spend your afternoon talking about coverages with agents in your area, or you could use the internet to quickly compare rates.

Many companies belong to an insurance system where prospective buyers submit one quote, and each participating company can provide price quotes. This saves time by eliminating quote forms to each individual auto insurance company.

To use this form to compare rates click here (opens in new window).

The only drawback to doing it this way is you are unable to specify which companies to get quotes from. So if you want to choose individual companies for rate comparison, we have a page of auto insurance companies in your area. Click to view list.

Whichever way you use, make darn sure you compare exactly the same deductibles and coverage limits for each quote you get. If you compare different values for each quote you will not be able to find the best deal for your FIAT 500L.

Insurance discounts help reduce rates

Insurance can be pricey, but there may be some discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time of quoting, but some discounts are required to be asked about prior to getting the savings. If you don’t get every credit you qualify for, you may be paying too high a price.

Paper-free Discount – Some of the larger companies will provide an incentive for completing your application online.
Discounts for Government Workers – Active or former government employment may reduce rates when you quote insurance on 500L insurance with a few insurance companies.
Discount for New Cars – Buying a new car model may earn a small discount since newer vehicles have better safety ratings.
Auto/Home Discount – If you combine your home and auto policies with the same company you will save up to 20% and get you cheaper insurance.
Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts when compared with frequent claim filers.

Remember that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Larger insurance companies and a partial list of their discounts are:

Geico offers discounts including emergency military deployment, defensive driver, federal employee, air bags, and seat belt use.
Travelers may offer discounts for hybrid/electric vehicle, home ownership, multi-car, multi-policy, and new car.
Nationwide discounts include Farm Bureau membership, accident-free, defensive driving, anti-theft, and good student.
Farmers Insurance has discounts for early shopping, business and professional, youthful driver, pay in full, and multi-car.
Esurance includes discounts for online shopper, safety device, multi-car, anti-lock brakes, and Pac-12 alumni.
State Farm may include discounts for good student, passive restraint, anti-theft, safe vehicle, Steer Clear safe driver discount, driver’s education, and student away at school.
Progressive may have discounts that include online signing, online quote discount, multi-vehicle, multi-policy, and good student.
Mercury Insurance offers discounts for age of vehicle, type of vehicle, low natural disaster claims, professional/association, ease of repair, and multi-car.

Before buying, ask each company or agent which discounts can lower your rates. Some credits may not apply to policies in your area. To view companies who offer insurance discounts, follow this link.

Which is the best insurance?

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

Should I carry comprehensive and collision coverage?
Can I rent a car in Mexico?
Why is insurance for a teen driver so high?
Do I need PIP coverage since I have good health insurance?
How do I insure my teen driver?
Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

Liability insurance provides protection from damage that occurs to other’s property or people. It protects you from claims by other people. It does not cover 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. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as attorney fees, repair bills for other people’s vehicles, legal defense fees, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your FIAT 500L.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, theft and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This coverage pays for damage to your 500L resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like doctor visits, funeral costs, X-ray expenses, rehabilitation expenses and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage