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.
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.
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.
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.
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.
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.
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.
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
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:
Cheap is relative. From a town just southwest of Fayetteville, Arkansas. Don’t remember every company but I ended up saving about $40 each month. I got a quote from their website.
I got a good deal I think. I’m in the suburbs of Oklahoma City, OK. Compared rates from a lot of places. Saved right around $50 a month. GEICO was the cheapest option for me. Insured with AIG Insurance before. Just waiting to see how claims go.
Do I have to carry car insurance in Virginia?
I think I’m paying too much. From north side of San Antonio, TX. Got quotes from 21st Century, GMAC, and Farmers for my 500L and saved just over $450 a year. You can get a rate quote online.
I’m looking for cheaper coverage. Lifelong resident of Miami, FL. I got free quotes with GEICO, Amica, and Esurance for my 500L and I think I saved around $40 each month. Was with GEICO.
I’m in the north part of South Burlington, VT. Quoted prices from Allstate, Farmers, and GMAC for my 500L and saved $432 a year.
What exactly does liability cover?
Cheap car insurance? What’s that? I’m in the suburbs of Las Vegas, Nevada. Don’t remember every company but I ended up saving about $70 each month.
Live in the eastern part of Jacksonville, FL. Quoted a bunch of companies. Saved about $30 a month. GEICO was the cheapest for me. Thankfully I have a good driving record. It never hurts to quote around.
If you have a clean record and live around Philadelphia, PA, check out State Farm. You might save some money.
Hope my car insurance gets cheaper. I live in a small town just outside of Tucson, Arizona. Received quotes with Progressive, Auto-Owners, Eastwood, and GMAC for my FIAT and I think I saved around $50 each month. Insured with Encompass before. I even had a DUI years ago.
I’m in the west part of Salem, Oregon. Quoted quotes from Allstate, AIG Insurance, Farmers, and Hanover for my 2017 FIAT 500L and I’m now saving $22 a month.
I think I’m paying too much. Live in the western part of Owensboro, KY. Don’t remember every company but I ended up saving about $60 each month. Insured with Nationwide before. My new agent seems to be really good. Online quotes are the way to go.
Mine is so expensive. Live in Norfolk, VA. Got car insurance prices from American Family, MetLife, and Western Auto Insurance for my FIAT and I think I am saving around $50 each month. Thankfully I’m not a high risk driver.
Anyone find cheap rates around Grand Rapids, MI?
Cheap car insurance? What’s that? I’m in the suburbs of Seattle, Washington. I quoted with 21st Century, GMAC, and Erie for my FIAT and saved just over $450 a year.
Does GEICO insure at replacement cost?
21st Century is decent in Warwick, RI.
I think I’m paying too much. I’m from Springfield, MO. Got car insurance quotes with Progressive, Liberty Mutual, and Eastwood for my 2017 FIAT 500L and saved $396 a year. Left Farmers to switch. I have several vehicles insured with them.
Cheap is not always the best policy. Found cheapest coverage with Mercury for my FIAT and cut my rates about $540 a year. It never hurts to quote around.