2013 FIAT 500 Insurance Quotes – 8 Tricks for Cheapest Rates

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.

Get cheap insurance quotes with discounts

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.

  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts may get savings up to 30%.
  • Auto/Life Discount – If the company offers life insurance, you could get a lower rate if you buy auto and life insurance together.
  • Anti-lock Brake Discount – Vehicles with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
  • Home Ownership Discount – Being a homeowner can earn you a little savings since home ownership requires a higher level of personal finance.
  • E-sign Discounts</strong – A few companies will discount your bill up to fifty bucks for signing up on your computer.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
  • Driver Education Discount – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.
  • No Claim Discounts – Drivers with accident-free driving histories get the best insurance rates compared to drivers who are more careless.

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:

  • State Farm may have discounts that include Drive Safe & Save, accident-free, multiple autos, student away at school, good driver, and good student.
  • American Family may include discounts for Steer into Savings, good student, early bird, bundled insurance, and TimeAway discount.
  • AAA policyholders can earn discounts including AAA membership discount, multi-policy, good student, anti-theft, and multi-car.
  • GEICO may offer discounts for anti-theft, defensive driver, driver training, five-year accident-free, and federal employee.
  • Mercury Insurance offers premium reductions for annual mileage, type of vehicle, professional/association, location of vehicle, good student, and multi-car.
  • Farmers Insurance discounts include homeowner, teen driver, mature driver, distant student, switch companies, and good student.
  • Progressive has discounts for multi-policy, multi-vehicle, online quote discount, good student, continuous coverage, online signing, and homeowner.

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.

Ways to get insurance price quotes

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.

  • Experts agree that the best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form saves time by eliminating boring form submissions for every insurance company. Taking the time to complete one form will get you rate comparisons from all major companies.
  • A more difficult way to find more affordable insurance requires a visit to each company’s website to complete their respective quote request forms. For example, let’s assume you want to compare prices for Nationwide, Esurance and Progressive. To find out each rate you need to navigate to each company’s site to enter the same coverage data repeatedly, which can get old fast. For a handy list of car insurance company links in your area, click here.

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.

Tailor your insurance coverage coverage to you

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.

  • Does my policy cover me when driving someone else’s vehicle?
  • When should I not file a claim?
  • Why is insurance for a teen driver so high?
  • Why do I only qualify for high-risk insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when driving in Canada or Mexico?

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

Car insurance 101

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.

Coverage for uninsured or underinsured drivers

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.

Comprehensive car insurance

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.

Coverage for liability

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.

Coverage for medical expenses

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

Auto collision 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.

Shop around and save

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:

Comments About 2013 FIAT 500 Insurance

  1. Jaleesa Barry

    Nice post. I’m in the suburbs of Salt Lake City, UT. Quoted prices from AAA, Mercury, and a few others for my 500 and cut my rates about $390 a year. I have a couple other vehicles on the policy.

  2. Darrell Charles

    I live in a small town just outside of Springfield, MA. Went online for free insurance quotes for a 2013 FIAT 500. Ended up at about $450 savings annually. Went with Allstate.

  3. Dia David

    Great info, thanks for posting. I’m in the north part of Chesapeake, VA. Went online for free insurance quotes for a 2013 FIAT 500. Ended up at about $380 savings annually. Went with State Farm. I get a discount for insuring multiple vehicles.

  4. Ettie Richardson

    Good site, thanks. I’m from Phoenix, Arizona. Compared rates from a lot of places. Saved about $40 a month. 21st Century was the cheapest for me. Might find lower rates online.

  5. Gail Hancock

    Just a quick comment on my experience. I live just to the north of Jersey City, NJ. Quoted with GEICO, Amica, and Encompass for my 500 and I think I am saving around $70 each month. Insured with Farmers before.

  6. Rebecka Blackwell

    Located in Allentown, PA. I don’t recall every quote but I ended up saving about $30 each month. They have free quotes online.

  7. Nicholle Rios

    Does 21st Century insure after a DUI?

  8. Hyun Franks

    Found cheapest coverage with Safeco for my FIAT and am saving around $230 a year.

  9. Rudolph Nunez

    Affordable car insurance is a myth. I live on the north side of Jackson, Mississippi. Got car insurance quotes from Auto-Owners, Encompass, and Nationwide for my 500 and I’m now saving $52 a month. Was with Travelers. It was easy to get rates.