Save on 2016 FIAT 500X Insurance Quotes

Drivers have lots of choices when trying to find the best price on FIAT 500X insurance. They can either spend hours contacting agents to compare prices or save time using the internet to get rate quotes.

There is a better way to shop for car insurance and you need to know the quickest way to compare rates for a FIAT and locate the lowest price from local insurance agents and online providers.

If you have insurance now or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. The purpose of this article is to teach you how to effectively get price quotes and some money-saving tips. Consumers only need to know the proper methods to get comparison quotes online.

Do you qualify for discount insurance coverage?

Insurance can cost an arm and a leg, but there’s a good chance there are discounts to help offset the cost. Certain credits will be shown at the time you complete a quote, but some discounts are required to be asked for in order for you to get them.

• Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.
• Drive Less and Save – Maintaining low annual mileage could qualify for slightly better premium rates than normal.
• Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course in high school.
• Professional Organizations – Having an affiliation with a qualifying organization could earn you a nice discount on your next insurance coverage statement.
• Discount for Passive Restraints – Vehicles equipped with air bags may qualify for discounts of more than 20%.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower premium rate if you buy a life insurance policy as well.
• Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
• Accident Waiver – This one isn’t a discount, but some companies like Allstate and State Farm will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.

We need to note that most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A list of companies and a partial list of their discounts are outlined below.

• Geico offers discounts for military active duty, multi-policy, federal employee, good student, air bags, and defensive driver.
• MetLife offers discounts including defensive driver, good driver, multi-policy, good student, and claim-free.
• Progressive has savings for multi-policy, continuous coverage, online signing, homeowner, good student, online quote discount, and multi-vehicle.
• Travelers may have discounts that include IntelliDrive, new car, hybrid/electric vehicle, save driver, multi-car, good student, and driver training.
• SAFECO offers premium reductions for teen safety rewards, safe driver, accident prevention training, bundle discounts, and anti-lock brakes.
• AAA may offer discounts for good driver, multi-policy, AAA membership discount, pay-in-full, anti-theft, and good student.

When getting a coverage quote, ask all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not be available in every state. To see insurance coverage companies with the best discounts, click here.

How much does car insurance cost?

Many insurance companies make it easy to get prices for coverage on the web. Getting online quotes doesn’t take much effort because you just enter the coverage amounts you desire as requested by the quote form. When complete, the system gets credit information and your driving record and returns pricing information.

Quoting online helps simplify price comparisons, but the time required to go to many different websites and enter the same data into a form is a waste of time. But it’s absolutely necessary to get many rate quotes in order to find better prices.

The preferred way to get multiple rate quotes requires only one form that obtains quotes from multiple companies. It saves time, eliminates repetitive work, and makes price shopping online much simpler. After your information is entered, your coverage is rated and you are able to buy any one of the quotes returned.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It only takes a few minutes and may save quite a bit of money.

To save time and find out how much you can save on car insurance, click here and begin entering your coverage information. If you have coverage now, it’s recommended you complete the form with the coverages as shown on your current policy. This makes sure you will have a price comparison for exact coverage.

What insurance coverages do I need?

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions might point out if your situation may require specific advice.

• Do I need replacement cost coverage on my 2016 FIAT 500X?
• How much liability coverage do I need in my state?
• How can I get my company to pay me more for my totalled car?
• Is my trailer covered?
• Should I drop comprehensive coverage on older vehicles?
• Does my policy pay for OEM or aftermarket parts?
• Should I buy additional glass protection?
• Do I need roadside assistance coverage?
• How high should my medical payments coverage be?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Car insurance 101

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision coverage

Collision coverage will pay to fix damage to your 500X resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, scraping a guard rail, crashing into a building, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, hitting a bird and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like structural damage, medical services, pain and suffering, legal defense fees and attorney fees. How much coverage you buy is up to you, but you should buy as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses like EMT expenses, doctor visits, ambulance fees and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Get your money’s worth

When shopping online for insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed physical damage coverage and learned later that it was a big mistake. Your goal should be to purchase plenty of coverage at the lowest possible cost.

Discount 2016 FIAT 500X insurance is possible online as well as from independent agents, so you need to shop insurance coverage with both to get a complete price analysis. Some insurance providers may not offer internet price quotes and most of the time these small, regional companies prefer to sell through independent insurance agents.

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, delays in responding to claim requests, denial of a claim and even policy non-renewal. Regardless of your reason, finding the right insurance coverage provider is not as hard as you think.

More detailed insurance coverage information can be found at these sites:

• Understanding your Policy (NAIC.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)