View 2017 FIAT 500X Car Insurance Cost

Trying to find better insurance coverage rates for your FIAT 500X? Having to pay for overpriced insurance coverage can diminish your monthly budget and require stricter spending habits. Doing a rate analysis is a fast and free way to make ends meet.

Consumers have multiple insurance companies to pick from, and although it’s nice to be able to choose, lots of choices makes it harder to compare rates and find the lowest cost insurance coverage.

Components of your FIAT 500X insurance costs

Multiple criteria are used in the calculation when premium rates are determined. Some of the criteria are obvious such as traffic violations, but other criteria are more transparent like your vehicle usage or your financial responsibility.

The following are some of the most common factors used by companies to determine your prices.

  • City dwellers may pay more – Living in less populated areas is a good thing when shopping for auto insurance. Residents of big cities have more traffic problems and a longer drive to work. Lower population corresponds to lower accident rates in addition to fewer liability claims.
  • Gender and auto insurance premiums – Over time, data shows that women are safer drivers than men. However, this does not mean females are better at driving than males. Women and men tend to get into at-fault accidents at about the same rate, but men have accidents that have higher claims. They also get higher numbers of serious violations such as DWI and reckless driving.
  • Safety first – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles built for safety reduce injuries and better occupant protection means less claims paid and more competitive rates for policyholders.
  • Accidents can increase rates – How you drive influences premium rates substantially. Drivers who don’t get tickets get better prices compared to bad drivers. Just one citation can increase rates by twenty percent. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence might be required by their state to complete a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
  • Lower rates with theft deterrents – Purchasing a vehicle that has an advanced theft prevention system can help lower your premiums. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Your career may increase prices – Occupations such as real estate brokers, architects and financial analysts tend to have higher average rates in part from job stress and extremely grueling work hours. Conversely, professions such as farmers, athletes and the unemployed generally pay rates lower than average on 500X coverage.

Discounts for affordable auto insurance rates

Car insurance is not cheap, but there could be significant discounts that you may not know about. Larger premium reductions will be automatically applied when you purchase, but occassionally some discounts must be requested specifically before being credited.

  • Bundle and Save – When you have multiple policies with one insurance company you could save 10% to 20% off each policy.
  • Senior Discount – Older drivers could receive lower premium rates on 500X coverage.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents so you can save 10 percent or more.
  • Memberships – Having an affiliation with a qualifying organization is a simple method to lower premiums on your next auto insurance statement.
  • Paper-free Discount – A handful of larger companies provide a small discount get insurance over the internet.

As a footnote on discounts, some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

Car insurance companies that possibly offer these money-saving discounts include:

Check with all the companies to give you their best rates. Some discounts may not apply to policyholders everywhere. If you would like to view insurance companies that offer discounts, click here.

The insurance bait and switch

Consumers can’t escape the ads that promise big savings by companies like Progressive, Allstate and Geico. All the ads convey the message about savings if you move your coverage.

How does each company make the same claim? Here is how they do it.

Insurance companies have an ideal profile for the right customer that will most likely be profitable. A good example of a profitable insured could possibly be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Any person that meets those criteria will most likely get cheap prices and is almost guaranteed to save when switching.

Potential insureds who cannot meet this ideal profile may receive higher premium rates and this results in business not being written. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently make the claims of big savings. Because every company is different, drivers must compare free insurance quotes often. It’s not possible to predict the company that will have the lowest rate quotes.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you may require specific advice.

  • Do I need rental car coverage?
  • What if I total my 2017 FIAT 500X and owe more than it’s worth?
  • Do I need motorclub coverage?
  • Do I need an umbrella policy?
  • Can my babysitter drive my car?
  • Why do I only qualify for high-risk insurance?
  • How can I get high-risk coverage after a DUI?
  • Should I have a commercial auto policy?
  • Is my ex-spouse still covered by my policy?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

The coverage is in the details

Understanding the coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for rehabilitation expenses, ambulance fees and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision – This coverage will pay to fix damage to your 500X resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverages – This coverage provides protection from damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things such as emergency aid, repair costs for stationary objects, funeral expenses, loss of income and medical expenses. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive protection – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from flooding, hail damage and a tree branch falling on your vehicle. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2017 FIAT 500X.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Save for a rainy day

More affordable insurance is attainable online and with local insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not provide the ability to get quotes online and these small, regional companies sell through independent agents.

We just presented many ways to compare 2017 FIAT 500X insurance prices online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices are with a company that doesn’t do a lot of advertising. These smaller insurers often have lower rates on specific markets compared to the large companies like Allstate, Geico and Progressive.

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