How Much Does 2015 FIAT 500 Insurance Cost?

Have you had enough of not being able to afford to keep your car insured? You’re in the same situation as the majority of other vehicle owners.

Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the lowest price

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Finding the best rates is quite easy. Although vehicle owners must learn how companies market on the web because it can help you find the best coverage.

How to get auto insurance quotes

Comparing auto insurance rates can take hours if you don’t understand the most efficient way to do it. You could spend the better part of a day talking to local insurance agents in your area, or you can utilize the web to achieve your goal.

The majority of car insurance companies take part in a program where prospective buyers enter their policy data once, and each participating company can give them a price for coverage. This saves time by eliminating quote requests for each company.

To compare pricing click here (opens in new window).

The only downside to using this type of system is you are unable to specify which insurance companies to get pricing from. If you prefer to choose individual companies for rate comparison, we have a page of companies who write auto insurance in your area. Click here to view list.

However you get your quotes, do your best to use apples-to-apples coverages for each quote you get. If you compare different deductibles you will not be able to find the best deal for your FIAT 500. Just a small difference in coverages could skew the results. It’s important to know that quoting more gives you a better chance of getting better pricing. Some smaller insurers to not give prices over the internet, so you need to compare price estimates from the smaller companies as well.

Everyone needs different auto insurance coverages

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation may require specific advice.

Why am I required to buy liability insurance?
Do I need replacement cost coverage on my 2015 FIAT 500?
What is the difference between comprehensive and collision coverage?
If my pet gets injured in an accident are they covered?
Will my insurance pay for OEM parts?
I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverages and their meanings

Knowing the specifics of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Auto collision coverage

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

Collision can pay for claims such as damaging your car on a curb, crashing into a ditch, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your FIAT 500.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto liability

This can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like medical expenses, medical services, legal defense fees, court costs and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, a tree branch falling on your vehicle, theft and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as surgery, rehabilitation expenses, nursing services and prosthetic devices. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage