Save on 2018 FIAT 500L Insurance Rates

Trying to find cheaper auto insurance rates for your FIAT 500L? Searching for cheaper insurance for a FIAT 500L can be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the proper way to quote coverages on a FIAT and obtain the cheapest rates.

How to get free car insurance quotes online

Lowering your 2018 FIAT 500L car insurance rates is pretty simple and can save money. You just have to take a few minutes comparing rates to find. Comparing prices online can be done using a couple different methods.

  • If you don’t have a lot of time, the easiest way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This quick form eliminates the need for separate quotes for each price estimate. Completing one form compares rates direct from many companies. Just one form and you’re done.
  • A slightly less efficient method to get comparison quotes is to take the time to go to each company’s website and fill out their own quote form. For examples sake, we’ll assume you want to view quotes from Auto-Owners, Liberty Mutual and Allstate. To do that, you would have to spend time going to each site individually and enter your information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just be certain you are entering equivalent coverage information for every company. If you compare mixed coverages it will be next to impossible to make a fair rate comparison.

Lower-cost insurance coverage rates with discounts

Some insurers don’t necessarily list their entire list of discounts in an easy-to-find place, so below is a list some of the best known in addition to some of the lesser obvious insurance coverage savings. If you do not check that you are getting every discount available, you’re just leaving money on the table.

  • Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on 500L coverage with a few insurance coverage companies.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save a little off PIP or medical payments premium.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Paperless Signup – Many insurance companies provide a small discount get car insurance on your computer.
  • Accident Waiver – This one is not really a discount per se, but a handful of insurance companies will forgive one accident without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.
  • Discounts for Multiple Vehicles – Having several vehicles on one policy can reduce rates for all insured vehicles.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky.

To find insurance coverage companies with the best insurance coverage discounts, click this link.

Tailor your car insurance coverage to you

When buying coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions may help you determine whether you will benefit from professional help.

  • Should I drop comprehensive coverage on older vehicles?
  • Can I afford low physical damage deductibles?
  • Is business equipment covered while in my vehicle?
  • Is my teenager covered with friends in the car?
  • Why do I need rental car insurance?
  • What is roadside assistance coverage?
  • Will filing a claim cost me more?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Buy lower-cost car insurance with these tips

An important part of buying insurance is that you know the factors that help calculate the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower premium levels. Many things are considered when you quote your car insurance policy. Some are obvious such as your driving record, but other factors are not quite as obvious like your vehicle usage or your vehicle rating.

The itemized list below are some of the items car insurance companies consider when setting your rate level.

  • Excellent credit means lower costs – Credit history is a large factor in determining what you pay for car insurance. Drivers who have good credit tend to file fewer claims than drivers with lower credit ratings. If your credit history can use some improvement, you could save money insuring your 2018 FIAT 500L by taking the time to improve your credit score.
  • Car insurance liability limits – Your car insurance policy’s liability coverage will provide protection in the event that you are determined to be liable for physical damage or personal injury to other. Liability provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Being married pays dividends – Being married may earn you lower rates when shopping for car insurance. Having a significant other usually means you are more mature and responsible and it’s proven that drivers who are married are more cautious.
  • Can a thief steal your car? – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft and help bring rates down.

Insurance coverage advertisements

Consumers can’t ignore all the ads that claim the lowest rates from companies such as Allstate and Progressive. They all make an identical promise that drivers will save a bundle just by switching your insurance coverage policy to them.

How does every insurance coverage company charge lower premium rates? It’s all in how they say it.

Most companies have strict underwriting profiles for the type of driver that earns them a profit. An example of a profitable insured might be over the age of 35, owns their home, and has a high credit rating. Any new insured that fits those parameters will most likely get cheap car insurance rates and therefore will cut their rates if they switch.

Consumers who are not a match for this ideal profile must pay more expensive rates and this results in business not being written. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” save the amount stated. That is how insurance companies can lure you into getting a quote.

This illustrates why you absolutely need to compare as many free car insurance quotes as you can. It’s not possible to predict the company that will have the best prices for your profile.

Car insurance 101

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane, a broken windshield and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your FIAT 500L.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

Collision coverage pays for damage to your 500L resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, sustaining damage from a pot hole, backing into a parked car, hitting a mailbox and rolling your car. 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 bring the cost down.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like emergency aid, structural damage, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, rehabilitation expenses and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

And the best car insurance company is…

People change insurance companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, not issuing a premium refund or even questionable increases in premium. It doesn’t matter why you want to switch finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented some good ideas how to shop for 2018 FIAT 500L insurance online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a smaller regional carrier.

Affordable 2018 FIAT 500L insurance is attainable on the web in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide online quoting and many times these small insurance companies sell through local independent agencies.

More detailed auto insurance information can be found at these sites: