Trying to find better auto insurance rates for your FIAT 500? Being forced to pay for overpriced auto insurance premiums can dwindle your budget and possibly require postponing other expenditures. Comparing rate quotes is free and is an excellent way to reduce premiums and put more money in your pocket.
Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with ads and consumers find it hard to see past the geckos and flying pigs and find the best price available.
If you have car insurance now, you will be able to cut costs considerably using this information. Buying car insurance is not rocket science. But car owners need to learn the way companies sell insurance online and take advantage of how the system works.
Insuring your vehicles can cost a lot, but you can get discounts that could drop your premiums quite a bit. A few discounts will automatically apply at quote time, but occassionally some discounts must be requested specifically before you will receive the discount.
As a sidenote, some of the credits will not apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
Larger insurance companies and some of the premium reductions they offer are:
When getting a coverage quote, ask every prospective company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in your area. To choose insurance companies with discount insurance rates, click here.
When shopping for insurance there are multiple ways to compare prices from many insurance companies in your state. The easiest way to lower the rate you pay for 2013 FIAT 500 insurance consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.
Whichever way you choose to compare rates, make absolute certain that you use apples-to-apples coverages with every price quote. If you are comparing unequal deductibles or liability limits it will be nearly impossible to determine which rate is truly the best. Just slight variations in limits may cause a big price difference. Keep in mind that comparing more company’s prices increases the change that you will find the best price.
When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation may require specific advice.
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average car insurance policy.
This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include 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 liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims like fire damage, falling objects, hitting a bird and a broken windshield. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability insurance can cover damage or injury you incur to people or other property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like court costs, attorney fees and emergency aid. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like rehabilitation expenses, doctor visits, nursing services and prosthetic devices. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Collision insurance will pay to fix damage to your 500 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
We just showed you many ideas to lower your 2013 FIAT 500 insurance car insurance rates. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest car insurance rates come from a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.
Some insurance companies do not provide the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agencies. Cheaper insurance coverage is possible from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money.
Much more information about insurance coverage is available at these links: