View 2014 FIAT 500e Insurance Quotes

Looking for better insurance coverage rates for your FIAT 500e? Purchasing cheap insurance coverage over the internet may be somewhat difficult for consumers new to comparing rates online. With so many online companies, how can drivers have a chance to compare them all to find the best price?

If you have car insurance now, you will most likely be able to save some money using these methods. Shopping for the lowest cost protection can be fairly easy. But consumers can benefit by having an understanding of how the larger insurance companies market on the web and apply this information to your search.

Do you qualify for a discount?

Companies do not list all available discounts in a way that’s easy to find, so here is a list both well-publicized and the more hidden car insurance savings.

  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on 500e insurance than less cautious drivers.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up online.
  • Early Switch Discount – Select companies give a discount for switching policies before your current expiration date. It’s a savings of about 10%.
  • Save over 55 – Older drivers can possibly qualify for a discount up to 10% on 500e insurance.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on your policy on 500e insurance.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of insurers with discount car insurance rates, follow this link.

The most recommended method to compare policy rates is to know most larger insurance companies participate in online systems to give rate comparisons. The only thing you need to do is provide information like distance driven, if your license is active, if a SR-22 is needed, and driver details. That rating data gets transmitted to all major companies and you receive quotes instantly.

What coverages do I need?

When choosing coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your insurance needs could use an agent’s help.

  • Does coverage extend to Mexico or Canada?
  • Do I have coverage if my license is suspended?
  • Should I buy additional glass protection?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does insurance cover damages from a DUI accident?
  • Does coverage extend to my business vehicle?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverages 101

Having a good grasp of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your FIAT 500e.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as repair costs for stationary objects, attorney fees, funeral expenses, court costs and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses such as X-ray expenses, rehabilitation expenses, surgery, hospital visits and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, crashing into a building, sustaining damage from a pot hole, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, vandalism, a tree branch falling on your vehicle, theft and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

You can do this!

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate, not the least amount of coverage.

Throughout this article, we presented a lot of information how to lower your 2014 FIAT 500e insurance rates. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from some of the lesser-known companies.

Insureds switch companies for any number of reasons including denial of a claim, lack of trust in their agent, questionable increases in premium or even high rates after DUI convictions. Regardless of your reason for switching companies, switching car insurance companies can be pretty painless.

Additional detailed information is available at these sites: