2016 FIAT 500L Insurance Quotes – 8 Ways to Save

Looking for better insurance rates for your FIAT 500L? Scraping up a payment for pricey FIAT 500L insurance can diminish your bank account and make it tough to pay other bills. Performing a rate comparison is a fast and free way to make ends meet.

Lots of insurers contend for your business, so it’s not easy to compare every insurance company to get the cheapest price

Smart consumers take time to do price comparisons every six months because insurance prices change regularly. Even if you got the best rates for 500L insurance a couple years back you will most likely find a better rate quote today. Block out anything you think you know about insurance because you’re about to find out the tricks you need to know to eliminate unnecessary coverages and save money.

If you are insured now or are looking for a new policy, you can use these tips to reduce the price you pay and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Drivers just need to know the tricks to compare rates on the web.

Cheaper auto insurance rates with discounts

Companies offering auto insurance don’t list all possible discounts very clearly, so the following list contains a few of the more well known in addition to some of the lesser obvious credits available to you.

Defensive Driving Course – Taking part in a course that instructs on driving safety may get you a small discount and also improve your driving technique.
Accident-Free Discounts – Claim-free drivers pay much less as compared to drivers who are more careless.
Professional Memberships – Joining a civic or occupational organization could qualify you for a break on auto insurance.
Multiple Vehicles – Buying insurance for multiple vehicles with the same auto insurance company may reduce the rate for each vehicle.
Passive Restraint Discount – Vehicles equipped with air bags can receive discounts as much as 30%.
ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive so you can save 10 percent or more.
Telematics Devices – Drivers who elect to allow driving data collection to analyze their driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they have good driving habits.
Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you will save 10% to 20% off each policy.

Discounts lower rates, but many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will help reduce your overall bill.

The best auto insurance companies and some of the premium reductions they offer can be read below.

Geico may offer discounts for good student, five-year accident-free, multi-vehicle, seat belt use, military active duty, and daytime running lights.
SAFECO discounts include bundle discounts, drive less, homeowner, anti-theft, teen safety rewards, and teen safe driver.
State Farm offers discounts for student away at school, safe vehicle, good driver, anti-theft, and passive restraint.
MetLife has savings for good student, defensive driver, multi-policy, accident-free, good driver, claim-free
21st Century may have discounts that include teen driver, anti-lock brakes, air bags, early bird, student driver, and good student.
Progressive offers discounts including online signing, multi-vehicle, online quote discount, homeowner, continuous coverage, multi-policy, and good student.

Double check with every prospective company which discounts can lower your rates. All car insurance discounts may not be offered in every state. If you would like to choose from a list of auto insurance companies offering auto insurance discounts, click here.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

Can I rent a car in Mexico?
I have health insurance so do I need medical payments coverage?
Is rental equipment covered for theft or damage?
Can I still get insurance after a DUI?
What exactly is covered by my policy?
Are my friends covered when driving my 2016 FIAT 500L?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Can you really save if you switch?

Consumers constantly see and hear ads for cheaper car insurance from companies such as Progressive, Geico, Allstate and State Farm. They all make an identical promise of big savings if you switch your car insurance policy to them.

But how can every company give you a better price? This is the way they can do it.

Insurance companies have an ideal profile for a prospective insured they prefer to insure. For example, a desirable insured should be between 30 and 50, has no tickets, and drives a car with an anti-theft system. A customer who meets those qualifications will most likely get cheap auto insurance rates and will also save when switching.

Potential insureds who cannot meet this stringent profile will be charged a higher rate which results in the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everyone that quotes” will save that much if they switch. That is how companies can truthfully state the savings.

This illustrates why you really should get as many free car insurance quotes as possible. It is impossible to guess which insurance companies will give you lower premium rates than your current company.

The coverage is in the details

Understanding the coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Collision coverage – Collision insurance covers damage to your 500L from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, damage from a tornado or hurricane and falling objects. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance – This coverage will cover injuries or damage you cause to people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like legal defense fees, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for expenses such as pain medications, prosthetic devices, EMT expenses, X-ray expenses and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your FIAT 500L.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Save for a rainy day

Cheaper 2016 FIAT 500L insurance can be bought from both online companies as well as from insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not offer the ability to get a quote online and usually these smaller providers sell through independent insurance agents.

As you quote car insurance, it’s very important that you do not buy poor coverage just to save money. There have been many situations where an accident victim reduced liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find for the lowest cost.