2017 FIAT 500L Insurance Quotes – 6 Policy Discounts

Trying to find cheaper insurance coverage rates for your FIAT 500L? Searching for cheaper insurance for a new or used FIAT 500L can normally be an all-consuming task, but you can follow our insurance coverage buying tips and make it easy.

There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the proper way to quote coverages for your FIAT and locate the lowest price.

Smart consumers take time to compare rates quite often because insurance prices go up and down regularly. Just because you found the best deal for 500L coverage a few years ago you can probably find a better rate quote now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to get good coverage at a lower rate.

Drivers save money with with these six discounts

Some providers don’t always list every possible discount very clearly, so below is a list some of the best known and also the lesser-known credits that you can use to lower your rates.

• Federal Employees – Simply working for the federal government may qualify for a discount when you quote insurance coverage for 500L coverage with certain companies.
• Organization Discounts – Being in a qualifying organization could trigger savings on your bill.
• Distant Student Discount – Children who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
• Multiple Vehicles – Insuring more than one vehicle with one company can reduce the rates for all insured vehicles.
• Theft Deterent Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
• One Accident Forgiven – This isn’t a discount exactly, but companies like Geico and Liberty Mutual will let one accident slide without the usual rate increase if you have no claims for a certain period of time.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

If you would like to see a list of companies who offer insurance discounts, follow this link.

First Step: Get free auto insurance quotes

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way. You can spend your afternoon talking about coverages with insurance companies in your area, or you could use the web to achieve your goal.

Most of the larger companies belong to an insurance system that allows shoppers to send in one quote, and every company then gives them pricing. This system prevents you from having to do form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose which providers to get pricing from. So if you prefer to pick from a list of companies to compare prices, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be certain you are entering identical coverage limits for each quote you get. If you are comparing unequal deductibles or liability limits you will not be able to determine which rate is truly the best.

Your situation helps dictate your coverage

When buying the best car insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you may require specific advice.

• How many claims can I have before being cancelled?
• Who is covered when they drive my 2017 FIAT 500L?
• Are my tools covered if they get stolen from my vehicle?
• Is rental equipment covered for theft or damage?
• Can I afford to buy a different vehicle if my 2017 FIAT 500L is totaled?
• Is upholstery damage covered by car insurance?
• How does medical payments coverage work?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does my 2017 FIAT 500L qualify for pleasure use?
• Does my insurance cover a custom paint job?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Is there deception in advertising?

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate, Geico and Progressive. They all seem to advertise claims that drivers can save some big amount if you change your policy.

How is it plausible that every one can claim to save you money? It’s all in the wording.

Car insurance companies look for specific characteristics for the type of driver that earns them the highest profit. For instance, a desirable insured could be a married male, has no prior claims, and has excellent credit. A propective insured who matches that profile will get the preferred premium rates and will probably save when switching.

Consumers who do not match those standards may receive a higher premium with the end result being business not being written. The trick companies use is to say “people who switch” not “all people who quote” save money. This is how companies can truthfully make those claims.

This emphasizes why you really need to get as many free insurance coverage quotes as possible. It’s not possible to predict which company will have the lowest rate quotes.

Specific coverages for a FIAT 500L

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your FIAT 500L.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a building, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, vandalism, hail damage and fire damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance – This protects you from damage or injury you incur to other people or property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as legal defense fees, loss of income, structural damage, emergency aid and repair costs for stationary objects. How much coverage you buy is up to you, but buy as large an amount as possible.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as ambulance fees, prosthetic devices and nursing services. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

More choices the merrier

Some insurance providers may not have rates over the internet and these regional carriers only sell coverage through independent agencies. Cheaper auto insurance can be purchased both online and with local insurance agents, and you should be comparing both to have the best selection.

Throughout this article, we presented many ideas to lower your 2017 FIAT 500L insurance car insurance rates. It’s most important to understand that the more quotes you get, the better your comparison will be. Drivers may discover the best price on auto insurance is with some of the smallest insurance companies.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There are many occasions where someone sacrificed collision coverage only to regret that they should have had better coverage. The goal is to get the best coverage possible for the lowest price while still protecting your assets.

Even more information is available in the articles below:

• Side Impact Crash Tests (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)