2017 FIAT 500e Insurance Quotes – 5 Discounts for Best Rates

I can’t think of anyone who enjoys paying for insurance coverage, in particular when they could lower their rates if they shopped around.

Companies like Allstate and Progressive persitently shower you with catchy ads and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

The quickest method we recommend to compare policy rates takes advantage of the fact most larger insurance companies participate in a system to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information such as whether your vehicle is owned or leased, if it has an anti-theft system, whether you drive to work or school, and if you require a SR-22. The rating information is automatically sent to multiple companies and you will receive price estimates instantly.

Insurance coverage companies offer many discounts

Companies offering auto insurance don’t always publicize every discount very clearly, so the following is a list of some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

  • Save over 55 – Older drivers can get better insurance coverage rates on 500e insurance.
  • One Accident Forgiven – This isn’t a discount exactly, but companies like Liberty Mutual and Geico will forgive one accident before raising your premiums so long as you are claim-free for a specific time period.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Savings for New Vehicles – Insuring a new car may earn a small discount because new model year vehicles are generally safer.
  • Multiple Policy Discount – If you can bundle your auto and home insurance with one company you may save up to 20% off your total premium.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will cut your policy cost.

Insurance companies that may offer policyholders these discounts include:

It’s a good idea to ask all the companies how you can save money. Some of the earlier mentioned discounts might not be offered on policies in your state. To view providers who offer discounts, click this link.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Why am I required to buy liability insurance?
  • What is roadside assistance coverage?
  • Does my 2017 FIAT 500e need full coverage?
  • What is UM/UIM insurance?
  • What can I do if my company denied a claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I afford to pay high deductible claims out of pocket?
  • Do all my vehicles need collision coverage?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Collision coverages – This covers damage to your 500e resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, backing into a parked car, sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, damage from a tornado or hurricane and hitting a bird. 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 it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your FIAT 500e.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for liability – Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like loss of income, medical expenses, repair bills for other people’s vehicles, pain and suffering and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, ambulance fees and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

More affordable insurance can be purchased both online and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers don’t offer internet price quotes and most of the time these small insurance companies only sell through independent agents.

As you quote insurance coverage, don’t be tempted to buy poor coverage just to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to find out they didn’t have enough coverage. The goal is to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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