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FIAT 124 Spider Insurance Rates

Finding cheaper auto insurance through online companies is easy and there is a good chance you will probably save money. The key is to compare as many rate quotes as possible in order to have the lowest prices.

Consumers who are new to the process of shopping for insurance may think buying cheap 124 Spider insurance is difficult. Cutting your 124 Spider insurance cost is not a difficult process. Drivers just need to take a couple of minutes comparing rates from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

Insurance rates for a FIAT 124 Spider will vary greatly based upon several criteria. Some of these factors include:

  • Your driving record
  • Your credit history
  • Male rates may be higher
  • Deductible amount directly impacts your rate
  • Safety rating of your 124 Spider
  • No claims lowers premiums
  • Having current coverage saves
  • Whether you own your home

One last important factor which can affect the rate you pay on your FIAT is the year of manufacture. Newer models have a higher actual cash value so repair costs are higher which will push premiums up. On the flip side, newer vehicles may have options like a rollover prevention system, forward-collision avoidance, and dual-stage airbags so those may lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Coverage for liability - Liability insurance can cover damage that occurs to other people or property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision - This covers damage to your FIAT caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. 124 Spider collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper 124 Spider insurance rates.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP is not an option in every state and gives slightly broader coverage than med pay.

How Much are FIAT 124 Spider Insurance Rates?