2013 FIAT 500e Car Insurance Quotes

Shoppers have many options when shopping for low-cost FIAT 500e insurance. They can either spend hours driving around trying to get quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to compare insurance rates and we’ll show you the absolute fastest way to quote coverages for your FIAT and obtain the lowest price.

You need to shop coverage around before your next renewal because insurance prices tend to go up over time. Just because you had the lowest rates on 500e insurance at your last renewal there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance because you’re about to find out the best way to find great coverage at a great price.

Finding the best rates is quite easy. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Drivers just need to learn how to shop on the web.

Compare free insurance quotes

Lowering your 2013 FIAT 500e insurance rates is a fairly straight forward process. You just have to take time comparing rates online from several insurance companies. Comparing prices online can be done in a couple of different ways.

1. If you’re in a hurry, the quickest way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for separate quotes to each individual insurance company. A single, simple form gets prices estimates from multiple companies. Recommended for those who want to invest the least amount of time.
2. Another way to obtain and compare quotes online requires a trip to each company website and fill out a new quote form. For examples sake, let’s say you want to compare USAA, 21st Century and Liberty Mutual. In order to get each rate, you would have to navigate to each company’s site to input your insurance information, which is not fast way to get rate quotes.

   For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but make sure you are using apples-to-apples coverages for each comparison quote. If you compare different coverage information it will be next to impossible to make a fair comparison for your FIAT 500e.

When do I need an agent’s advice?

When choosing the best insurance coverage coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether or not you might need an agent’s assistance.

• What can I do if my company denied a claim?
• Do I need replacement cost coverage on my 2013 FIAT 500e?
• Do I benefit by insuring my home with the same company?
• Why is insurance for a teen driver so high?
• Is upholstery damage covered by car insurance?
• Does coverage extend to a rental car in a foreign country?
• Can I get a multi-policy discount?
• Do I have coverage when using my vehicle for my home business?
• Does my policy cover me when driving someone else’s vehicle?
• How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

The coverage is in the details

Understanding the coverages of your car insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability coverages

This will cover injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like court costs, legal defense fees, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This pays for damage to your 500e from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for things like dental work, nursing services, EMT expenses, surgery and prosthetic devices. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers 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

Protection from uninsured/underinsured drivers

This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your 2013 FIAT 500e.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, a broken windshield and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.