2018 FIAT 500X Car Insurance Quotes – 10 Ways to Save

I really doubt anyone likes having to buy insurance, in particular when the cost is way too high.

Consumers have many insurers to purchase coverage from, and although it’s nice to have a choice, having more auto insurance companies makes it harder to get the best deal.

Smart consumers take time to compare premium rates every six months because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best premium rates on 500X insurance a few years ago there may be better deals available now. Block out anything you think you know about insurance because you’re about to learn the only way to lower your rates without sacrificing coverage.

Are you qualifying for every discount?

Buying auto insurance is not cheap, but you may qualify for discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time of quoting, but less common discounts must be requested specifically in order for you to get them.

  • Multi-line Discount – Some companies give a break if you buy a life insurance policy as well.
  • Early Renewal Discounts – Some auto insurance companies give discounts for signing up prior to the expiration date on your current policy. This discount can save up to 10%.
  • Bundle and Save – If you can combine your auto and homeowners policy with the same insurance company you could earn a discount of up to 20% off your total premium.
  • Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for a small discount on rates on 500X insurance.
  • Good Grades Discount – Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Passive Restraint Discount – Factory air bags may earn rate discounts of 20% or more.
  • Save with More Vehicles Insured – Insuring primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
  • Driver Training Discounts – Successfully completing a course in defensive driver could save 5% or more and easily pay for the cost of the class.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Seat Belt Discounts – Requiring all passengers to fasten their seat belts can save up to 15% off the medical payments premium.

Remember that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

To see insurance companies with the best auto insurance discounts, click this link.

How to compare insurance coverage quotes

Performing a rate comparison can be challenging if you aren’t aware of the most efficient way. You can waste a few hours (or days) talking to insurance companies in your area, or you can utilize online quoting to quickly compare rates.

Most of the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and every company returns a rated price based on that information. This eliminates the need for quote forms for each company.

To fill out one form to compare multiple rates now click to open in new window.

The only drawback to getting quotes like this is you cannot specify the insurers you want pricing from. So if you prefer to pick specific insurance companies to compare prices, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

The approach you take is up to you, just try to use identical quote information for every company. If your comparisons have different deductibles you will not be able to make a fair comparison for your FIAT 500X. Quoting even small variations in coverages may result in large price differences. And when quoting insurance coverage, remember that obtaining a wide range of quotes will enable you to find the best rates. Some insurance companies are not set up to provide online price quotes, so you also need to get rates from the smaller companies as well.

When in doubt talk to an agent

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether you might need professional guidance.

  • Does my insurance cover a custom paint job?
  • Should I have a commercial auto policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my car insurance cover rental cars?
  • Do I need rental car coverage?
  • Does having multiple vehicles earn me a discount?
  • Do I pay less for low miles?
  • Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Parts of your auto insurance policy

Understanding the coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like funeral costs, surgery, rehabilitation expenses, prosthetic devices and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, fire damage, damage from flooding, hail damage and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your FIAT 500X.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.

Collision coverage – Collision coverage will pay to fix damage to your 500X from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, damaging your car on a curb, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability – This can cover damage that occurs to other people or property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like bail bonds, legal defense fees and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Don’t be a big spender

Low-cost 2018 FIAT 500X insurance can be purchased from both online companies and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance coverage companies do not offer online rate quotes and these small insurance companies prefer to sell through independent agencies.

We just presented a lot of information how to save on 2018 FIAT 500X insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

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