2014 FIAT 500L Car Insurance Quotes

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?

Why informed consumers pay less for FIAT 500L insurance

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.

  • Extra policy coverages can cost a lot – There are many add-on coverages that you can get tricked into buying but may not be useful. Coverages for roadside assistance, death and dismemberment, and motor club memberships are probably not needed. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so get rid of them and save.
  • Cheaper rates after marriage – Being married can get you a discount on auto insurance. Having a spouse is viewed as being more mature and insurance companies like that married drivers get in fewer accidents.
  • Insure car and home with the same company – Most insurers afford better rates to buyers who carry more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be anywhere from five to ten percent in most cases. Even with this discount, you may still want to compare other insurance prices to ensure the best deal.
  • Lower prices with alarms and GPS tracking – Buying a car with advanced anti-theft systems can get you a discount on your auto insurance. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft.
  • Tickets can be expensive – Your driving record has a huge affect on how much you pay. Only having one driving citation can boost insurance rates forty percent or more. Good drivers get better prices than their less careful counterparts. Drivers unfortunate enough to have license-revoking violations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state’s department of motor vehicles in order to prevent a license revocation.
  • Battle of the sexes – Statistics demonstrate women are more cautious behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Both sexes cause accidents at about the same rate, but the men get into accidents with more damage. Not only are claims higher, but men have more aggressive citations such as DWI and reckless driving.
  • Premiums and employer – Occupational choices like lawyers, business owners and miners generally have the highest average rates attributed to intense work-related stress and long work days. On the other hand, careers such as actors, engineers and homemakers have lower than average premiums for 500L insurance.

Compare free car insurance quotes

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.

  1. The fastest and easiest way to find low rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing a different quote for every company. One quote request will return quotes from several companies.It’s the quickest way to get rates.
  2. A more time consuming way to analyze rates is to take the time to go to the website for every company you want to comare and repeat the quote process again and again. For sake of this example, let’s say you want to see prices from Progressive, State Farm and American Family. In order to compare rates, you need to spend time going to each site individually to enter your coverage information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended way to comparison shop is physically going to different agent offices. Doing it all online makes this unnecessary unless you’re the type of person who wants the professional abilities of a licensed agent. Some companies do allow you to compare online quotes but purchase the actual policy in an agency.

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.

You may qualify for discounts

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.

  • Low Mileage Discounts – Fewer annual miles on your FIAT may enable drivers to earn substantially lower rates.
  • Anti-theft Discount – Cars equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
  • Defensive Driver Discount – Taking a course teaching defensive driving skills can save you 5% or more and make you a better driver.
  • Driver Education Discount – Require your teen driver to participate in a local driver’s education class as it can save substantially.
  • Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems could see savings up to 30%.

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.

There’s no such thing as the perfect auto insurance policy

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.

  • Where can I get insurance after a DUI in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why am I required to buy high-risk coverage?
  • What are the best liability limits?
  • Are my tools covered if they get stolen from my vehicle?
  • Is business equipment covered while in my vehicle?

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.

The coverage is in the details

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.

Don’t be a big spender

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.

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Comments About 2014 FIAT 500L Insurance

  1. Britney Ramirez

    I’ve bought from GEICO forever. Cheapest rates in Spokane, Washington.

  2. Cristen Howard

    Well-written and thought out article. From northwest of Madison, WI. I got free prices from Hartford, Amica, MetLife, and a couple others for my 500L and cut my rates about $460 a year. You can get a rate quote online.

  3. Iluminada Fulton

    If you’re a decent driver and live in the vicinity of Cranston, Rhode Island, check out Progressive. They seem to be cheaper. I have a couple other vehicles on the policy. Online quotes are the way to go.

  4. Spencer Rice

    I’m just north of Chesapeake, VA. Got quotes from Auto-Owners, MetLife, and a few others for my 500L and saved just over $180 a year. Was with AAA.

  5. Hyacinth Barnett

    If you have a good history and live near Newark, DE, check out Progressive. You might get cheaper rates. Was with GMAC. I think they have home insurance too. It was easy to get rates.

  6. Raleigh Garza

    Thought I’d throw in my experience. From Boise, ID. Quoted prices online for a 2014 FIAT 500L. Ended up at about $380 savings annually. Went with GEICO. Get lots of quotes to find the best rate.

  7. Dennis Holder

    Nice info. I’m from Columbia, SC. Quoted with The General, Amica, MetLife, and a couple others for my 2014 FIAT 500L and I’m now saving $65 a month. Left Hartford to switch. Even increased my liability limits. Hardly afford to drive anymore.