View 2015 FIAT 500L Insurance Quotes

Looking for cheaper insurance coverage rates for your FIAT 500L? If you’re new to shopping for insurance coverage quotes online, it’s easy to be overwhelmed by the crazy number of online companies all claiming to save you money.

Reduce insurance rates with these tips

Lots of factors are used in the calculation when you get a price on insurance. Some are pretty understandable such as your driving record, but others are less obvious like your vehicle usage and annual miles driven.

The itemized list below are some of the items utilized by car insurance companies to help set your rates.

  • Companies want multiple policies – Most major insurance companies allow discounts for people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, it’s always a smart idea to compare other company rates to ensure the best deal.
  • Driver age impacts costs – Older drivers are shown to be more cautious, file fewer claims and get fewer tickets.Teen drivers are known to be more careless in a vehicle and because of this, their insurance rates are much higher.
  • Credit rating impact insurance premiums – Credit score is a big factor in determining what you pay for insurance. Consumers who have excellent credit scores tend to be less risk to insure than drivers who have worse credit. So if your credit rating can use some improvement, you may save money insuring your 2015 FIAT 500L by improving your rating.
  • Deter theft and pay less – Driving a car that has an advanced theft prevention system can earn a premium discount. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.

Discounts can really help lower rates

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Certain discounts will be applied when you quote, but occassionally some discounts must be asked about before being credited. If you don’t get every credit you deserve, you may be paying too high a price.

  • Military Deployment Discount – Being deployed in the military could be rewarded with lower prices.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.
  • Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
  • Student Discount for Driver Training – Have your child successfully complete driver’s ed class in high school.
  • Drive Safe and Save – Accident-free drivers can save up to 40% or more on their insurance coverage quote for 500L coverage than less cautious drivers.

We need to note that some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts should help lower your policy premiums.

Car insurance companies that possibly offer some of the above discounts include:

Check with each company the best way to save money. All car insurance discounts may not apply in every state. To see insurers with discount insurance rates, click here to view.

Will just any policy work for me?

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

For example, these questions might help in determining whether your personal situation may require specific advice.

  • Is business property covered if stolen from my car?
  • Are split liability limits better than a combined single limit?
  • Do I benefit by insuring my home with the same company?
  • Should I put collision coverage on all my vehicles?
  • How much liability insurance is required?
  • Does my 2015 FIAT 500L need full coverage?
  • Do I need an umbrella policy?
  • Should I buy full coverage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverages for a 2015 FIAT 500L

Understanding the coverages of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2015 FIAT 500L.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for ambulance fees, doctor visits, nursing services and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance provides protection from damage that occurs to other people or property. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as court costs, funeral expenses and legal defense fees. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Power to the consumer

Affordable 2015 FIAT 500L insurance is attainable both online and from local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers don’t offer online rate quotes and usually these smaller companies prefer to sell through independent agencies.

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. In too many instances, someone sacrificed uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage for the lowest cost and still be able to protect your assets.

In this article, we presented many tips how you can shop for 2015 FIAT 500L insurance online. The key concept to understand is the more companies you get premium rates for, the better likelihood of getting the cheapest insurance coverage. Consumers may even find the biggest savings come from the least-expected company.

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Comments About 2015 FIAT 500L Insurance

  1. Dakota Kemp

    If you don’t have tickets and live around Chicago, Illinois, check out State Farm. They seem to be cheaper. Can still barely afford it.

  2. Tammara Tanner

    Anyone try to read their policy?

  3. Gemma Beck

    Will GEICO raise rates for a rock chip claim?

  4. Malka Wilkins

    It all costs too much. From northwest of Kailua, HI. Got car insurance quotes from AAA, Sentry, and a few others for my 2015 FIAT 500L and cut my rates about $560 a year. It was easy to get rates.

  5. Ashli Williams

    I found pretty cheap rate quotes for a 2015 FIAT 500L in Memphis, TN. Ended up at roughly $210 every six months with AAA. Left 21st Century to switch. I just quoted rates online.

  6. Alfonso Hutchinson

    I’m in the north part of Fayetteville, Arkansas. I don’t recall every quote but I ended up saving about $70 each month. Left Sentry to switch. I increased coverages a little too. Not sure if rates are cheaper online or through an agent.

  7. Shasta Parrish

    Live in the eastern part of Baton Rouge, LA. Can’t remember who all I quoted but I ended up saving about $30 each month. I have a couple other vehicles on the policy. It’s easy to compare rates online now.

  8. Vincenza Harding

    I think I’m paying too much. Proud to be from Philadelphia, PA. Got free quotes online for a 2015 FIAT 500L. Ended up at about $210 savings annually. Went with Allstate. It’s still not cheap enough.

  9. Kizzy Montgomery

    Does Allstate do SR22s in Arkansas?

  10. Ben Parks

    I compared a lot of rate quotes for a 2015 FIAT 500L in Nashua, NH. Ended up at right around $390 every six months with American Family.

  11. Basilia Wade

    Here’s my info. Proud to be from Fargo, ND. I got free rates from GEICO, Amica, Esurance, and The General for my 500L and I think I am saving around $30 each month. Insured with Travelers before. It’s still not cheap enough.

  12. Louis Tucker

    I live on the east side of Mesa, Arizona. I quoted with GMAC, AAA, Sentry, and a couple others for my FIAT and saved just over $300 a year. Switched homeowners coverage too. Did it all online.

  13. Taisha Faulkner

    If you’re a decent driver and live near Aurora, CO, check out GEICO. They seem to be cheaper. Moved home policy as well.

  14. Dixie Reeves

    If you’re a decent driver and live near Norman, Oklahoma, check out Progressive. You might get cheaper rates. I recommend comparing lots of rates.

  15. Audrie Gay

    Does 21st Century have good claim service?