2013 FIAT 500 Insurance Quotes

Trying to find lower auto insurance rates for your FIAT 500? Feel like you’re a prisoner to overpriced auto insurance? Trust us when we tell you you’re not the only one.

Big-name insurance companies like State Farm, Geico and Farmers Insurance increase brand awareness with ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

You should take the time to compare rates every six months since rates go up and down regularly. Just because you found the best deal for 500 coverage last year you can probably find a better price now. There is a lot of bad information regarding auto insurance online but with this article, you’re going to get some great ways to save money.

Automobile Insurance Quotes

All the larger car insurance companies such as Progressive, Allstate and Geico provide prices online. The process is pretty painless as you just type in your personal and coverage information into a form. When complete, the company’s rating system will obtain credit information and your driving record and provides a quote. Quoting online makes it a lot easier to compare rates but having to visit a lot of sites and type in the same information is repetitive and time-consuming. But it’s very important to do this if you want to find the best price possible.

The preferred way to get multiple rate quotes utilizes a single form that gets price quotes from many companies. The form is fast, requires less work, and makes online price comparison a little more enjoyable. After sending the form, it gets priced and you can choose your choice of the quotes that you receive. If you find a better price it’s easy to complete the application and purchase the new policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.

If you want to compare rates now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter the insurance coverages exactly as they are listed on your policy. This way, you will have comparison quotes based on identical coverages.

Take discounts and save

Companies offering auto insurance don’t necessarily list all available discounts very clearly, so we took the time to find both the well known and the harder-to-find savings tricks you should be using.

  • Early Signing – Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for 500 coverage with select insurance companies.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Accident Free – Drivers with accident-free driving histories can save substantially as compared to bad drivers.

It’s important to understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of providers offering insurance coverage discounts, click here to view.

Which policy gives me the best coverage?

When it comes to buying the best car insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help highlight if you could use an agent’s help.

  • Does my medical payments coverage pay my health insurance deductible?
  • Should I rate my 2013 FIAT 500 as pleasure use or commute?
  • Is my custom paint covered by insurance?
  • When should I buy a commercial auto policy?
  • Is my camper covered by my car insurance policy?
  • I have a DUI can I still get coverage?
  • When should I drop full coverage on my 2013 FIAT 500?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What discounts do I qualify for?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Educate yourself about car insurance coverages

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from car insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills like surgery, dental work and funeral costs. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability auto insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as medical services, court costs and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive car insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, hitting a bird, theft, vandalism and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This covers damage to your 500 from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers 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 is very important.

In the end, you save

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where an insured cut physical damage coverage only to find out that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at the best price.

Throughout this article, we presented a lot of tips how to reduce 2013 FIAT 500 insurance prices online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a small local company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or Geico.

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