Cheap 2016 FIAT 500X Insurance Quotes

Searching for lower car insurance rates for your FIAT 500X? If you’re searching for more affordable insurance online, do you get confused by the wide range of car insurance sources? You’re not alone. Drivers have so many options that it can turn into hard work to compare premium rates.

How to compare insurance quotes

When comparison shopping, there are several ways of comparing rate quotes from many different insurance companies. The easiest way to find the cheapest 2016 FIAT 500X insurance rates is simply to get online rate quotes. This is quite simple and can be completed by using one of the methods below.

The most recommended method consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do multiple quote forms to each individual insurance company. Taking the time to complete one form gets you coverage quotes from multiple companies.It’s the quickest way to get rates.

A harder way to find better pricing requires you to visit each company’s website and fill out a new quote form. For instance, we’ll pretend you want rates from Auto-Owners, Progressive and Liberty Mutual. You would be required to spend time on each company’s site and type in your information over and over, which can get old fast. For a list of links to insurance companies in your area, click here.

The old school method of getting rate comparisons is physically going to all the different insurance agencies. Comparing rate quotes online eliminates the middleman unless you prefer the peace of mind only provided by licensed agents. If you prefer, some companies allow you to compare online quotes and get advice from an agent in your area.

Whichever way you choose to compare rates, make sure you compare equivalent coverages and limits on every quote you get. If you have different deductibles you will not be able to find the best deal for your FIAT 500X. Quoting even small variations in insurance coverages or limits can result in a big premium difference. It’s important to know that more quotes will enable you to find more affordable insurance.

Car insurance ads bend the truth

Car insurance providers like State Farm, Allstate and Geico seem to constantly run ads on TV and radio. They all seem to try to convey promises about savings just by moving to their company. How do they all make almost identical claims? Here is the trick they use.

Most companies give the best rates for the type of driver that earns them the highest profit. An example of a desirable insured might be described as between the ages of 30 and 50, is a homeowner, and has a high credit rating. Someone who matches that profile gets the lowest prices and will probably save when they switch companies.

People who don’t measure up to those criteria will probably have to pay higher premiums and this results in the driver buying from a lower-cost company. The wording the ads use say “people who switch” but not “all drivers who get quotes” can save as much as they claim. That is how insurance companies can claim big savings.

Because every company is different, it’s extremely important to get as many free car insurance quotes as possible. It is just not possible to predict which company will fit your personal profile best.

What impacts FIAT 500X insurance premiums?

Consumers need to have an understanding of some of the factors that play a part in calculating the price you pay for car insurance. When you understand what determines premiums, this allows you to make good choices that will entitle you to big savings. Multiple criteria are used in the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, but other criteria are not as apparent such as your marital status or how financially stable you are.

The factors shown below are some of the most rate-impacting factors used by insurance companies to determine premiums.

  • Occupation can influence rates – Occupations like judges, social workers and miners usually pay higher rates than average attributed to stressful work requirements and lots of time spent away from family. Other professions such as professors, students and the unemployed receive lower rates for 500X coverage.
  • Insure car and home with the same company – The majority of companies apply discounts to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even with this discount applied, it’s still a good idea to compare other insurance prices to ensure the best deal.
  • Male premiums may be higher – Statistics show that females take fewer risks when driving. That doesn’t necessarily mean that females are better drivers. Women and men get in fender benders at about the same rate, but the males get into accidents with more damage. In addition to higher claims, males also receive more costly citations such as DWI and reckless driving. Males from age 16 to 21 generally have the highest accident percentage and therefore have the most expensive car insurance rates.
  • Prevent theft and save – Choosing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft.
  • Where you live is a factor – Having an address in areas with lower population can save you money when insuring your vehicles. People who live in big cities have to deal with more aggressive driving styles and much longer commute distances. Less people translates into fewer accident claims.
  • Improve your credit rating and save – A driver’s credit rating will be a significant factor in determining your rates. Insureds with excellent credit tend to be more responsible as compared to drivers with lower credit scores. If your credit leaves room for improvement, you could save money insuring your 2016 FIAT 500X by repairing your credit.
  • Adjust coverage deductibles and save – Coverage for physical damage, also called comprehensive and collision insurance, insures against damage to your FIAT. Some coverage claims would be colliding with a building, flood damage, or theft. Physical damage deductibles define how much the insured will be required to pay before your car insurance pays a claim. The more damage repair cost you choose to pay out-of-pocket, the better rate you will receive for 500X coverage.

Lower rate quotes by taking advantage of discounts

Some insurance providers don’t always list all available discounts very well, so the list below gives a summary of some of the more common and also the lesser-known credits available to lower your premiums when you buy car insurance online.

  • ABS Braking Discount – Cars and trucks with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Professional Organizations – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount when getting a car insurance quote.
  • Discounts for Good Drivers – Safe drivers can get discounts for up to 45% lower rates for 500X coverage than less cautious drivers.
  • Resident Student – College-age children who live away from home at college and don’t have a car may qualify for this discount.
  • Active Service Discounts – Having an actively deployed family member could qualify you for better premium rates.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.

Larger insurance companies and some of the premium reductions they offer can be found below.

  • Farm Bureau may have discounts that include multi-vehicle, renewal discount, safe driver, 55 and retired, and good student.
  • MetLife may offer discounts for claim-free, good driver, good student, multi-policy, and accident-free.
  • Progressive includes discounts for multi-policy, multi-vehicle, continuous coverage, good student, online signing, homeowner, and online quote discount.
  • AAA may include discounts for good driver, pay-in-full, anti-theft, education and occupation, and multi-car.
  • American Family offers discounts including accident-free, bundled insurance, defensive driver, good driver, multi-vehicle, TimeAway discount, and air bags.
  • Geico policyholders can earn discounts including military active duty, anti-lock brakes, multi-vehicle, multi-policy, defensive driver, and membership and employees.
  • State Farm discounts include Steer Clear safe driver discount, good driver, multiple autos, driver’s education, and safe vehicle.

If you need lower rates, check with each company or agent to apply every possible discount. Some credits might not be available to policyholders in your state. To see a list of insurers with the best discounts, follow this link.

How much insurance do I need?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help highlight if your situation will benefit from professional help.

  • Am I covered when driving on a suspended license?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need replacement cost coverage on my 2016 FIAT 500X?
  • Is a fancy paint job covered?
  • Am I covered by my spouse’s policy after a separation?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my 2016 FIAT 500X need full coverage?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance

This provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical expenses, emergency aid, court costs, structural damage and bail bonds. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your 500X resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, crashing into a ditch, backing into a parked car, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your FIAT 500X.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for surgery, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hitting a deer, a broken windshield, a tree branch falling on your vehicle and falling objects. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Be a penny pincher

Throughout this article, we presented a lot of information how to lower your 2016 FIAT 500X insurance premium rates. The key concept to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Drivers may discover the best premium rates are with some of the smallest insurance companies.

When getting car insurance quotes online, don’t be tempted to buy less coverage just to save a little money. In too many instances, an insured cut collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, policy cancellation, poor customer service or even high rates after DUI convictions. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

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