2013 FIAT 500e Insurance Quotes – 5 Tips for Cheaper Rates

Looking for lower auto insurance rates for your FIAT 500e? Confused by the wide range of auto insurance company choices? Lot’s of other consumers are too. People have so many options available that it can be a real challenge to find the perfect company for you.

You need to price shop coverage quite often because insurance rates change regularly. Even if you think you had the best price on 500e coverage a couple years back you can probably find a better price now. There is a lot of bad advice regarding auto insurance online but I’m going to show you some proven techniques to quit paying high auto insurance rates.

Are you getting all your discounts?

The price of auto insurance can be rather high, but there are discounts available that many people don’t even know exist. Certain discounts will be applied when you get a quote, but a few must be manually applied prior to getting the savings.

  • Government Employees – Active or retired federal employment may qualify you for a discount on 500e coverage with select insurance companies.
  • Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Senior Citizens – Older drivers may receive reduced rates on 500e coverage.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you could get a free insurance coverage policy, you won’t be that lucky. But all discounts will cut the amount you have to pay.

For a list of insurance companies with discount insurance coverage rates, click here to view.

The quickest method we recommend to get policy rate comparisons is to know auto insurance companies will pay a fee to provide you with free rate quotes. The only thing you need to do is give them rating details including whether the vehicles are used for commuting, any included safety features, if a SR-22 is needed, and whether you have decent credit. Your insurance information is then submitted to multiple top-rated companies and they provide comparison quotes very quickly.

When might I need an agent?

When buying the best car insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if you may require specific advice.

  • What is the rate difference between pleasure use and commuting?
  • Do I need special endorsements for business use of my vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my insurance cover my expensive audio equipment?
  • Is motorclub coverage worth it?
  • What if I owe more than I can insure my car for?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance 101

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like doctor visits, rehabilitation expenses, prosthetic devices, dental work and funeral costs. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your FIAT 500e.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as medical services, pain and suffering, legal defense fees and court costs. How much coverage you buy is your choice, but buy higher limits if possible.

Collision coverage

Collision coverage covers damage to your 500e resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, colliding with a tree, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, hitting a bird, vandalism, theft and hitting a deer. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

The bottom line

We’ve covered some good ideas how to shop for 2013 FIAT 500e insurance online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the biggest savings come from the smaller companies.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. Too many times, someone dropped physical damage coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to buy enough coverage at a price you can afford, not the least amount of coverage.

Drivers change insurance companies for a number of reasons such as lack of trust in their agent, extreme rates for teen drivers, policy cancellation and even being labeled a high risk driver. Whatever your reason, finding a new insurance coverage company is not as difficult as it may seem.

Much more information about insurance coverage is located below: