2017 FIAT 500 Insurance Quotes

Tired of scraping nickels together to keep your car insured? Your situation is no different than many other consumers.

Online insurance companies like Geico and Progressive constantly blast consumers with ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.

Smart consumers take time to compare prices once or twice a year since rates are constantly changing. Just because you had the best deal on 500 insurance two years ago a different company probably has better prices today. Forget all the misinformation about car insurance because you’re about to learn the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

The fastest way that we advise to compare car insurance company rates is to know the fact all the major auto insurance companies provide online access to provide you with a free rate quote. All you need to do is provide a little information like how much you drive, whether the vehicles are used for commuting, your education level, and if your license is active. That rating data is then sent to many different companies and you will receive price estimates with very little delay.

To start a rate quote now, click here and find out if you can get cheaper insurance.

Smart buyers know how to get insurance coverage for less

Multiple criteria are part of the calculation when premium rates are determined. Some of the criteria are obvious such as your driving record, but others are not quite as obvious like your vehicle usage or how safe your car is.

  • A good credit rating can save money – Having a bad credit score can be an important factor in your rate calculation. If your credit rating is low, you could save money insuring your 2017 FIAT 500 if you clean up your credit. People that have excellent credit scores tend to be more responsible as compared to drivers with lower credit ratings.
  • File claims and pay more – If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Insurance companies generally give discounts to policyholders who are not frequent claim filers. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Liability limits should be high – Your insurance coverage policy’s liability coverage kicks in if ever a court rules you are at fault for physical damage or personal injury to other. It provides you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Do women or men drive better? – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, don’t assume that females are better drivers. Both sexes cause accidents at about the same rate, but guys tend to have more serious accidents. Men also statistically get cited for more serious violations like DUI and reckless driving.
  • Tickets mean higher costs – Even one ticket can boost insurance rates substantially. Drivers with clean records have lower premiums compared to drivers with tickets. People who have license-revoking violations like DUI or reckless driving are required to prove financial responsibility with the DMV in their state in order to continue driving.
  • Costs impacted by your city – Choosing to live in small towns and rural areas can save you money when buying insurance coverage. Less people translates into fewer accidents and a lower car theft rate. Drivers who live in large cities regularly have more aggressive driving styles and much longer commute distances. More time behind the wheel means more chances of being involved in an auto accident.
  • Occupation reflects on prices – Occupational choices like military personnel, social workers and medical professionals are shown to have the highest rates because of intense work situations and incredibly demanding work hours. On the other hand, jobs such as professors, engineers and performers pay lower than average rates on 500 insurance.

Discount insurance coverage quotes

Car insurance can cost a lot, but you can get discounts that many consumers don’t even know exist. A few discounts will automatically apply when you quote, but a few must be asked for in order for you to get them.

  • Student Driver Training – Teen drivers should enroll in driver’s education in high school.
  • Own a Home – Owning a house may trigger a policy discount on insurance coverage because it requires personal responsibility.
  • Early Signing – A few insurance coverage companies give discounts for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Student in College – Children who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
  • Smart Student Discounts – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, nobody gets a free ride.

Popular insurance coverage companies and some of the discounts are:

  • Geico offers discounts including seat belt use, emergency military deployment, air bags, driver training, multi-policy, anti-theft, and good student.
  • Mercury Insurance includes discounts for type of vehicle, professional/association, accident-free, multi-policy, low natural disaster claims, and anti-theft.
  • Farmers Insurance offers discounts for bundle discounts, homeowner, mature driver, youthful driver, and good student.
  • Auto-Owners Insurance offers premium reductions for anti-theft, mature driver, paid in full, teen driver, and anti-lock brakes.
  • Liberty Mutual has savings for new move discount, teen driver discount, good student, new vehicle discount, newly retired, new graduate, and multi-policy.
  • SAFECO may have discounts that include bundle discounts, safe driver, multi-car, teen safety rewards, and teen safe driver.
  • Progressive may offer discounts for online signing, good student, online quote discount, multi-policy, multi-vehicle, homeowner, and continuous coverage.
  • USAA discounts include driver training, family discount, annual mileage, military installation, and new vehicle.

When getting free insurance quotes, it’s a good idea to every company to apply every possible discount. Depending on the company, some discounts might not be offered in your area. If you would like to see a list of companies with discount insurance coverage rates, follow this link.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

  • Am I covered if hit by an uninsured driver?
  • Is upholstery damage covered by car insurance?
  • Is a blown tire covered by insurance?
  • Is rental equipment covered for theft or damage?
  • Is a new car covered when I drive it off the dealer lot?
  • What is medical payments coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverage basics

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on most car insurance policies.

Insurance for medical payments

Med pay and PIP coverage kick in for bills such as EMT expenses, surgery, chiropractic care and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage protection

This covers damage to your 500 resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

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 must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, rock chips in glass, vandalism, damage from flooding and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Auto liability insurance

This coverage provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims. It does not 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. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, medical services and medical expenses. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

One last thing about your coverage

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability coverage limits only to regret at claim time that the savings was not a smart move. Your goal is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

Throughout this article, we presented some good ideas how to compare 2017 FIAT 500 insurance premium rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a lesser-known regional company. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

Additional auto insurance information is available at these links: