Cheaper 2017 FIAT 500X Insurance Rates

Having to pay for high-priced FIAT 500X insurance can bottom out your savings account and possibly require you to analyze your spending habits. Performing a rate comparison is a smart way to lower your bills every month.

People have so many auto insurance companies to buy insurance from, and although it’s nice to be able to choose, more options can take longer to compare rates.

The cheapest auto insurance quotes online

Finding a better price on auto insurance doesn’t have to be difficult. You just need to invest a few minutes comparing price quotes to find. This can be accomplished using one of these methods.

1. The simplest way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method prevents you from having to do boring form submissions for every company. In just a few minutes this one form will get you price quotes direct from many companies.
2. A more time consuming way to shop for auto insurance online requires a visit to the website for every company you want to comare and repeat the quote process again and again. For instance, we’ll pretend you want comparison quotes from Allstate, Progressive and American Family. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is more popular.

   To view a list of companies in your area, click here.

3. The most difficult method to price shop rates is actually driving to and from local insurance agencies. Comparing rates online eliminates the need for an insurance agent unless your situation requires the advice and guidance of a local agency. However, consumers can compare the best prices online but still have the advice of a local agent.

Compare rates however you want, just make sure you are using equivalent information for each comparison quote. If you have differing limits it will be very difficult to find the best deal for your FIAT 500X.

Situations that may require an agent’s advice

When choosing coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover whether your personal situation might need professional guidance.

• Does liability extend to a camper or trailer?
• Do I need roadside assistance coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Why am I required to buy liability insurance?
• Do I need to file an SR-22 for a DUI in my state?
• When does my teenage driver need to be added to my policy?
• What is the rate difference between pleasure use and commuting?
• Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance coverage basics

Knowing the specifics of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Comprehensive coverage

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

Comprehensive coverage pays for claims like theft, a tree branch falling on your vehicle, damage from getting keyed, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

This coverage pays for damage to your 500X resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for things like prosthetic devices, hospital visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability

Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like medical services, bail bonds, pain and suffering, funeral expenses and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.