View 2016 FIAT 500X Car Insurance Rates

Using the web to shop for insurance coverage can be difficult if you have never used online quotes. Don’t let that stop you because there is an easy way to compare rates.

The method we recommend to compare policy rates is to know the trick auto insurance companies pay for the opportunity to provide you with a free rate quote. To start a quote, the only thing you need to do is provide the companies a bit of rating information such as marital status, how much coverage you want, whether you drive to work or school, and if you are currently licensed. Your insurance information is instantly submitted to multiple different insurance companies and you will get price comparisons very quickly.

When might I need the advice of an agent?

When it comes to buying the best insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

• Does coverage extend to Mexico or Canada?
• Does having multiple vehicles earn me a discount?
• Does my car insurance cover rental cars?
• Do I have coverage when using my vehicle for my home business?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered when pulling a rental trailer?
• Why is insurance for a teen driver so high?
• Why am I be forced to buy a membership to get insurance from some companies?
• Are split liability limits better than a combined single limit?
• Do I have coverage if my license is suspended?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

The coverage is in the details

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision protection

This coverage covers damage to your 500X from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, colliding with another moving vehicle, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability coverages

This coverage protects you from damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like court costs, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your FIAT 500X.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills like hospital visits, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage