2014 FIAT 500L Insurance Cost – 8 Tips for Cheapest Prices

Trying to find lower car insurance rates for your FIAT 500L? Have you fallen victim to overpriced car insurance? Trust us when we tell you you’re not the only one. Big-name insurance companies like State Farm, Allstate, Geico and Progressive increase brand awareness with fancy advertisements and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

If you have a policy now or need new coverage, you can learn to get lower rates and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to understand the proper way to shop for car insurance over the internet.

Don’t pay full price with these eight discounts

Companies don’t always publicize every discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could save 15% off your PIP or medical payments premium.
  • Clubs and Organizations – Being a member of certain professional organizations could trigger savings when buying auto insurance on 500L insurance.
  • Driver’s Ed – Have your child enroll in driver’s education in school.
  • Accident Forgiveness – A few companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums on 500L insurance.
  • Homeowners Savings – Owning a home can save you money because owning a home demonstrates responsibility.
  • Early Signing – Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.

Drivers should understand that some credits don’t apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

Companies who might offer some of the above discounts may include but are not limited to:

Double check with each company what discounts are available to you. All car insurance discounts might not apply in your state.

Your personal situation dictates your coverage

When choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • How high should deductibles be on a 2014 FIAT 500L?
  • How can I force my company to pay a claim?
  • Am I better off with higher deductibles on my 2014 FIAT 500L?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Having a good grasp of a auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive protection

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

Comprehensive insurance covers claims such as hail damage, hitting a deer and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for 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 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as medical expenses, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses such as rehabilitation expenses, pain medications, nursing services, dental work and ambulance fees. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays for damage to your 500L resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, crashing into a ditch, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Take this to the bank

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, someone dropped liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at the best price while not skimping on critical coverages.

In this article, we presented many ideas to compare 2014 FIAT 500L insurance prices online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the most savings is with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

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