2018 FIAT 500L Insurance Quotes

Buying the lowest cost auto insurance on the internet might appear somewhat difficult for vehicle owners that are relatively new to buying their auto insurance over the internet. Because there are so many companies competing online, how are we expected to have the ability to compare all the different companies and get the best pricing?

It’s a great practice to get comparison quotes quite often because auto insurance prices change frequently. Even if you think you had the best rates on 500L coverage six months ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because we’re going to show you the fastest way to find better rates and still maintain coverage.

Locating cheaper car insurance coverage is simple if you know the tricks. In a nutshell, everyone who shops for car insurance will be able to find better rates. Although consumers do need to know how companies price online insurance and apply this information to your search.

Components of your FIAT 500L insurance premiums

The best way to find cheaper insurance is to take a look at the rating factors that play a part in calculating the level of your policy premiums. If you have a feel for what impacts premium levels, this allows you to make educated decisions that could result in big savings. Multiple criteria are used in the calculation when premium rates are determined. Most are fairly basic like an MVR report, although others are more obscure like where you live or how safe your car is.

Listed below are some of the most rate-impacting factors used by insurance companies to determine your prices.

  • Frequent claims increase rates – If you tend to file frequent claims, don’t be surprised to see higher rates. Auto insurance companies generally give the lowest premiums to insureds who only file infrequent claims. Your car insurance is meant to be used in the event of larger claims.
  • Females tend to be lower risk – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Men and women cause accidents at a similar rate, but the males cause more damage. Men also statistically receive more major tickets such as reckless driving.
  • Amount of liability protection – Liability coverage provides coverage when a jury decides you are liable for personal injury or accident damage. It will provide legal defense which can cost a lot. Liability insurance is pretty cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Avoid tickets and save – A bad driving record impacts your car insurance rates tremendously. Attentive drivers receive lower rates than people who have multiple driving citations. Only having one speeding ticket may cause rates to rise forty percent or more. Drivers who have received severe citations such as DUI or reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.

Lower rates by qualifying for discounts

Car insurance is easily one of your largest bills, but you may qualify for discounts to cut the cost considerably. Certain reductions will be credited at the time you complete a quote, but lesser-known reductions have to be asked for before they will apply. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Defensive Driver Discounts – Taking a course teaching defensive driver skills can save you 5% or more and make you a better driver.
  • No Claim Discounts – Drivers who stay claim-free pay less when compared to insureds who have frequent claims or accidents.
  • Distant College Student Discount – Children living away from home attending college and do not take a car to college may be able to be covered for less.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Early Switch Discount – Some companies reward drivers for buying a new policy before your current coverage expires. It’s a savings of about 10%.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will definitely reduce your policy premium.

A few companies that may have these discounts include:

Check with all the companies how you can save money. All car insurance discounts may not be offered in your state.

But they said I’d save $410 a year!

Insurance coverage providers like Allstate and Progressive consistently run television and radio advertisements. They all seem to advertise the message of big savings if you just switch your insurance coverage policy to them. How do they all give you a lower rate? Here is the trick they use.

Insurance companies have specific guidelines for the right customer that will not have excessive claims. For instance, a profitable insured might be described as over the age of 45, has a clear driving record, and drives a safe vehicle. Anyone that fits those parameters receives the best premium rates and will save a lot of money.

People who are not a match for these criteria will probably be forced to pay a more expensive rate with the end result being business going elsewhere. If you listen to the ad wording, they say “drivers that switch” but not “everyone who gets a quote” save money. That’s why companies can make it sound like they have such great car insurance rates.

This emphasizes why you absolutely need to get a wide range of price quotes. Because without a comparison, you cannot know with any certainty which company will have the lowest rates.

Insurance coverage is unique, just like you

When it comes to choosing the best insurance coverage coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions can aid in determining whether you would benefit from professional advice.

  • At what point should I drop full coverage?
  • How much liability coverage do I need in my state?
  • What is UM/UIM insurance?
  • How can I force my company to pay a claim?
  • Can I rent a car in Mexico?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Insurance policy coverages for a FIAT 500L

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your FIAT 500L.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, ambulance fees, pain medications and funeral costs. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, hail damage, hitting a deer, hitting a bird and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

This will pay to fix damage to your 500L caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, driving through your garage door, scraping a guard rail, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability auto insurance

This coverage will cover damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering, medical services, structural damage and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Never pay more for less

Consumers switch companies for many reasons like policy cancellation, lack of trust in their agent, unfair underwriting practices or even delays in responding to claim requests. No matter why you want to switch, switching companies is easier than you think.

As you quote car insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced liability coverage limits only to regret that it was a big error on their part. The goal is to find the BEST coverage at the best cost while not skimping on critical coverages.

Discount 2018 FIAT 500L insurance can be bought on the web and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies may not have rate quotes online and these small insurance companies only sell coverage through independent insurance agents.

More detailed car insurance information is available in these articles: