Searching for better insurance rates for your FIAT 500L? Getting the lowest cost insurance may seem to be difficult for drivers who are new to comparison shopping on the internet. With so many options of online companies, how are drivers able to effectively compare every insurance company to find the lowest price?
Multiple criteria are part of the equation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but others are not as apparent such as your marital status and annual miles driven.
There are several ways of comparing price quotes from different companies. By far the easiest way to find cheaper 2014 FIAT 500L rates consists of obtaining rate quotes online. This is very easy and can be done by using one of the methods below.
You can use whichever method you prefer to find lower rates, just compare exactly the same coverages on every price quote you get. If you are comparing unequal deductibles or liability limits you will not be able to truly determine the lowest rate. Having just a slight variation in insurance coverages can mean a large discrepancy in price. Just keep in mind that comparing more rates from different companies will improve the odds of getting more affordable insurance.
Car insurance companies don’t list all their discounts in an easy-to-find place, so below is a list a few of the more common and the more hidden ways to save on insurance.
Drivers should understand that most discount credits are not given the the whole policy. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will lower your overall premium however.
Insurance companies that possibly offer these discounts may include but are not limited to:
It’s a good idea to ask each company which discounts they offer. Depending on the company, some discounts may not be offered everywhere. To locate companies who offer online insurance quotes, click this link.
When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.
Here are some questions about coverages that may help you determine whether you might need professional guidance.
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.
Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like pain medications, hospital visits, X-ray expenses, doctor visits and prosthetic devices. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your FIAT 500L.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Liability coverage – Liability coverage protects you from damage that occurs to people or other property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things such as attorney fees, loss of income and bail bonds. How much coverage you buy is your choice, but you should buy higher limits if possible.
Collision – This pays for damage to your 500L resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision can pay for things such as colliding with another moving vehicle, hitting a parking meter, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.
Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as fire damage, falling objects, rock chips in glass and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
When you buy car insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.
In this article, we presented quite a bit of information on how to lower your 2014 FIAT 500L insurance prices. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the best prices are with some of the lesser-known companies.
Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, poor customer service, policy non-renewal or denial of a claim. It doesn’t matter what your reason, switching companies can be less work than you think.