Save on 2013 FIAT 500e Insurance Rates

Looking for the cheapest insurance coverage rates for your FIAT 500e? Finding the cheapest insurance for your FIAT 500e can turn out to be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the proper way to price shop coverage on a FIAT and find the best price possible.

Shopping for the best coverage is quite easy. If you are insured now or need a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. Drivers just need to know how to compare rates online.

Good decisions result in lower insurance premiums

An important part of buying insurance is that you know some of the things that play a part in calculating your policy premiums. If you know what impacts premium levels, this allows you to make good choices that can help you get much lower annual insurance costs.

• Having a spouse equates to better premiums – Having a spouse actually saves money on your policy. Having a spouse translates into being more responsible and it’s statistically proven that married drivers get in fewer accidents.
• Liability preserves assets – Liability coverage is the coverage that protects you if you are found to be at fault for damages from an accident. It provides you with a defense in court starting from day one. This coverage is relatively inexpensive compared to comp and collision, so do not cut corners here.
• Low stress occupation equals lower premiums – Careers such as doctors, architects and accountants tend to pay higher average rates attributed to stressful work requirements and extremely grueling work hours. Other occupations like farmers, athletes and homemakers receive lower rates for 500e insurance.
• GPS tracking and theft deterrents reduce premiums – Choosing to buy a car with a theft deterrent system can help bring down rates. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft.

Buy insurance coverage online

Finding cheaper insurance coverage quotes can be surprisingly simple. Consumers just need to take a few minutes comparing free auto insurance quotes to find out which insurance company has the cheapest auto insurance quotes. This can be accomplished using a couple different methods.

The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This quick form eliminates the need for repetitive form submissions for every prospective company. One quote request will return quotes from several companies. This is by far the quickest method.

A different way to analyze rates is to take the time to go to the website for every company you want to comare and fill out a new quote form. For example, we’ll pretend you want to compare rates from State Farm, Liberty Mutual and Allstate. You would have to go to each individual site to input your insurance information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

If you have time to kill, the last method to price shop rates to different agent offices. The fact that you can get quotes online eliminates the middleman unless your situation requires the professional advice of a local agent. However, consumers can get the lowest quotes online but buy from a local insurance agent.

However you get your quotes, ensure you’re using the exact same coverage information for each comparison quote. If you use differing limits then you won’t be able to determine the best price for your FIAT 500e.

These discounts can lower your insurance coverage quotes

Car insurance companies don’t always advertise all their discounts very clearly, so the following is a list of a few of the more common as well as some of the hidden credits that you can use to lower your rates.

• Drivers Ed for Students – Cut your cost by having your teen driver participate in a local driver’s education class in high school.
• No Claim Discounts – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
• Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
• Homeowners Discount – Owning a home can earn you a little savings because it means you have a higher level of financial diligence.
• Good Student – Excelling in school could provide a savings of up to 20% or more. This discount can apply until age 25.
• Waiver for an Accident – This one isn’t a discount, but companies like Progressive, State Farm and Geico will allow you to have one accident without the usual rate increase if you are claim-free for a set time period.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way.

The best insurance coverage companies and some of the discounts can be found below.

• Geico discounts include daytime running lights, multi-policy, seat belt use, military active duty, air bags, membership and employees, and emergency military deployment.
• SAFECO may include discounts for multi-car, teen safety rewards, homeowner, accident prevention training, and drive less.
• State Farm includes discounts for driver’s education, Steer Clear safe driver discount, multiple policy, Drive Safe & Save, good student, student away at school, and defensive driving training.
• MetLife may have discounts that include claim-free, good student, multi-policy, accident-free, defensive driver, good driver
• 21st Century policyholders can earn discounts including automatic seat belts, theft prevention, early bird, defensive driver, teen driver, and driver training.
• Progressive has discounts for multi-policy, homeowner, online signing, good student, online quote discount, and multi-vehicle.

If you want cheaper auto insurance quotes, ask every insurance company which discounts you qualify for. Discounts may not apply to policyholders in your area. To view insurers who offer free insurance coverage quotes, follow this link.

Different people need different insurance coverages

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

These are some specific questions could help you determine if you will benefit from professional help.

• Am I covered when driving a rental car?
• Does insurance cover damages from a DUI accident?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I have coverage if my license is suspended?
• Do I have coverage when making deliveries for my home business?
• Is extra glass coverage worth it?
• Am I covered when driving in Canada or Mexico?
• How can I force my company to pay a claim?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision insurance

Collision coverage pays for damage to your 500e from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Auto liability

This coverage will cover damage that occurs to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like legal defense fees, emergency aid, funeral expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses such as hospital visits, X-ray expenses, surgery and chiropractic care. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, damage from a tornado or hurricane and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your FIAT 500e.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Better coverage you can count on

We just presented many tips how you can lower your 2013 FIAT 500e insurance premium rates. The key concept to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates are with some of the lesser-known companies.

More affordable insurance coverage is available both online and from local insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and these smaller providers only sell coverage through local independent agencies.

Insureds leave their current company for any number of reasons including policy non-renewal, unfair underwriting practices, high rates after DUI convictions or not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

Additional detailed information is located by following these links:

• What is Gap Insurance? (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Vehicle Safety Ratings (iihs.org)