2017 FIAT 500X Insurance Quotes – 7 Discounts for Cheaper Rates

No one likes buying insurance, especially when they know they are paying too much.

Because there are so many options when it comes to insurance, it is hard for the average consumer to find the cheapest company.

This information will instruct you on the best way to quote coverages and some money-saving tips. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Although drivers do need to know the way companies sell online because it can help you find the best coverage.

Find discounts on auto insurance

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but occassionally some discounts must be requested specifically before you get the savings.

  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Drive Less and Save – Low annual miles could earn slightly better auto insurancerates than normal.
  • Accident Forgiveness – Not a discount per se, but certain companies will let one accident slide without the usual rate increase so long as you are claim-free for a set time period.
  • Home Ownership Discount – Simply owning a home can help you save on auto insurance because maintaining a house means you have a higher level of financial diligence.
  • Distant Student Discount – Children who are attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
  • Drivers Education – Have your child take driver’s ed class in school.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky.

A partial list of companies who might offer these discounts may include but are not limited to:

If you want affordable car insurance quotes, ask each insurance company to apply every possible discount. A few discounts might not be offered on policies in your state. To find companies that have a full spectrum of discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

  • How much liability do I need to cover my assets?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is an SR-22 filing?
  • How can I get my company to pay me more for my totalled car?
  • Do I benefit by insuring my home with the same company?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What vehicles should carry emergency assistance coverage?
  • Should I sign the liability waiver when renting a car?
  • Can I afford to buy a different vehicle if my 2017 FIAT 500X is totaled?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Insurance companies are expert advertisers

Respected companies like State Farm, Geico and Progressive regularly use ads on television and other media. All the ads make the point that drivers can save some big amount if you just switch your insurance coverage to their company. How can each company give you a better price? It’s all in the words they use.

Many companies are able to cherry pick for a prospective insured they prefer to insure. For instance, a preferred risk could be between 25 and 40, has a clean driving record, and drives less than 7,500 miles a year. Any person that matches those criteria receives the best rates and therefore will save a lot of money.

People who fall short of those criteria will have to pay higher prices with the end result being the customer buying from someone else. The ads say “people who switch” not “everyone that quotes” can get the lowest rates when switching. That’s why insurance companies can advertise the savings.

Because of the profiling, you should get as many free car insurance quotes as possible. It is just not possible to predict which company will give you lower prices than your current company.

Car insurance coverages and their meanings

Having a good grasp of a car insurance policy aids in choosing the best coverages for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Collision coverages – Collision insurance will pay to fix damage to your 500X resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2017 FIAT 500X.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, rock chips in glass, damage from getting keyed, damage from flooding and hitting a deer. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance – Liability insurance provides protection from damage that occurs to people or other property that is your fault. This insurance 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. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as medical expenses, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for expenses such as nursing services, dental work, pain medications and EMT expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

What is YOUR best insurance company?

When buying insurance coverage, do not reduce needed coverages to save money. Too many times, an accident victim reduced full coverage to discover at claim time that they should have had better coverage. Your objective should be to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

There are still a few companies who may not have rates over the internet and these smaller providers only sell coverage through independent insurance agencies. Cheaper 2017 FIAT 500X insurance can be found both online in addition to local insurance agencies, so you should compare both so you have a total pricing picture.

We covered a lot of information how to reduce 2017 FIAT 500X insurance rates online. The key thing to remember is the more providers you compare, the better your chances of lowering your car insurance rates. Consumers could even find that the most savings is with a lesser-known regional company. These companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Geico and State Farm.

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