2015 FIAT 500e Car Insurance Quotes

Buyers have options when searching for the lowest priced FIAT 500e insurance. You can either spend your time contacting agents getting price quotes or leverage the internet to compare rates.

There is a better way to shop for insurance coverage so we’re going to tell you the quickest way to quote coverages on a FIAT and get the lowest possible price from local insurance agents and online providers.

The purpose of this post is to introduce you to how to effectively get price quotes and some tricks to saving. If you have car insurance now, you will most likely be able to save some money using these methods. Consumers just need to learn the best way to shop on the web.

How to Get Insurance Coverage Comparison Quotes

Getting a lower price on 2015 FIAT 500e insurance is actually quite simple. Consumers just need to take the time to compare quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form keeps you from doing separate forms for each company. One form submission will get you rate comparisons from all major companies. It’s the fastest way to compare.
  2. A different way to compare prices requires visiting the website for every company you want to comare to request a price quote. For instance, we’ll pretend you want to compare Allstate, Geico and American Family. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is more popular. To view a list of companies in your area, click here.

Whichever method you choose, compare exactly the same coverages for each price quote. If you enter different liability limits it will be impossible to decipher which rate is best.

Pay less by taking advantage of discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but some must be asked for in order for you to get them. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Low Mileage – Keeping the miles down on your FIAT could qualify for a substantially lower rate.
  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Student in College – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.

Keep in mind that some of the credits will not apply the the whole policy. Most cut individual premiums such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. But any discount will reduce your premiums.

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

Your coverage should be tailored to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help you determine whether you might need professional guidance.

  • Should I have a commercial auto policy?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when driving a rental car?
  • How high should my medical payments coverage be?
  • Can I rent a car in Mexico?
  • Should I bundle my homeowners policy with my auto?
  • Is my babysitter covered when using my vehicle?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance coverage considerations

Understanding the coverages of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverages

This will cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as repair bills for other people’s vehicles, loss of income, legal defense fees, attorney fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision)

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

Comprehensive can pay for things such as a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and hail damage. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

This coverage covers damage to your 500e resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, crashing into a building, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers 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 a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are identical to your policy’s liability coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as X-ray expenses, prosthetic devices, chiropractic care and nursing services. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage