Cheaper 2018 FIAT 500X Insurance Quotes

Drivers have a choice when trying to find the lowest priced FIAT 500X insurance. They can either waste time contacting agents getting price quotes or use the internet to compare rates. There is a right way and a wrong way to buy car insurance and you need to know the quickest way to get price quotes on a FIAT and find the best price possible.

Finding affordable coverage is not rocket science. If you have car insurance now, you will be able to lower your premiums substantially using these methods. Vehicle owners just need to know the most efficient way to compare company rates on the web.

Informed consumers can reduce insurance rates

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that are used to determine auto insurance rates. When you understand what influences your rates, this helps enable you to make changes that could help you find much lower annual insurance costs. Lots of things are used when quoting car insurance. Some are obvious like your driving record, but some are not as apparent such as your credit history or how safe your car is.

The factors shown below are some of the most common factors companies use to determine your rate level.

  • Consolidate home and auto and save – Many auto insurance companies will give a discount to buyers who consolidate policies with them such as combining an auto and homeowners policy. The discount can add up to ten percent or more. Even though this discount sounds good, you may still want to compare other insurance prices to ensure the best deal.
  • Your location is a factor – Living in less populated areas of the country is a good thing when insuring your vehicles. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims. Drivers in populated areas have more aggressive driving styles and much longer commute distances. More time on the road means a statistically higher chance of an accident.
  • Low physical damage deductibles can be expensive – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your FIAT. A few examples of covered claims could be a windshield shattered by a rock, collision with an animal, and damage from a fallen tree branch. The deductibles you choose are how much you are willing to pay in the event of a claim. The more money the insured is willing to pay, the lower your rates will be on 500X coverage.
  • Gender and insurance – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Both genders get in fender benders at about the same rate, but the males have accidents that have higher claims. Men also receive more costly citations like driving under the influence (DUI). Teenage male drivers have the highest risk to insure and are penalized with high auto insurance rates.
  • Liability protection – Liability insurance will protect you if a jury decides you are liable for physical damage or personal injury to other. It provides legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • What’s your car’s crash test rating? – Safer cars can get you lower premiums. Highly rated vehicles reduce occupant injuries and lower injury rates means less claims paid and more competitive rates for policyholders. If the FIAT 500X earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • The more you drive the more you pay – The more you drive your FIAT every year the higher your rates will be. Most companies calculate prices based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates than those that get driven frequently. Having an incorrect usage rating on your 500X can result in significantly higher rates. Make sure your policy shows the correct usage, because it can save money.
  • Premiums are lower the older you get – Youthful drivers tend to get distracted easily behind the wheel so they pay higher auto insurance rates. Having to add a teen driver onto your auto insurance can really hurt. Older insureds are viewed as being more responsible, cause fewer claims and accidents and are safer drivers.

More discounts mean affordable premiums

Car insurance companies don’t always list every discount in an easy-to-find place, so the below list has both the well known as well as some of the hidden credits available to bring down your rates.

  • Safety Restraint Discount – Drivers who require all occupants to buckle their seat belts can save 10% or more off PIP or medical payments premium.
  • Smart Student Discounts – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school.
  • Own a Home – Owning your own home or condo can get you a discount because of the fact that having a home demonstrates responsibility.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • ABS Brakes – Cars with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
  • Professional Organizations – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on insurance coverage.

Discounts lower rates, but most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and their offered discounts are included below.

  • Travelers offers discounts including home ownership, good student, early quote, student away at school, hybrid/electric vehicle, multi-policy, and multi-car.
  • 21st Century offers premium reductions for theft prevention, driver training, student driver, defensive driver, good student, 55 and older, and automatic seat belts.
  • State Farm has discounts for safe vehicle, Drive Safe & Save, passive restraint, driver’s education, multiple policy, and good student.
  • Geico may offer discounts for multi-vehicle, anti-lock brakes, federal employee, seat belt use, and membership and employees.
  • SAFECO includes discounts for safe driver, anti-lock brakes, drive less, accident prevention training, and bundle discounts.
  • AAA may include discounts for pay-in-full, good driver, good student, AAA membership discount, and multi-car.

Before buying, ask every insurance company which discounts you qualify for. Savings may not apply everywhere. If you would like to choose from a list of insurance companies who offer free insurance coverage quotes, follow this link.

Don’t believe everything you hear

Consumers can’t get away from all the ads for cheaper insurance from the likes of Allstate, Geico and Progressive. They all seem to make the promise that people will save if you move your insurance coverage to their company.

How is it possible that every company can charge lower premium rates? This is the way they can do it.

Companies are able to cherry pick for the type of driver that will be a good risk. A good example of a profitable customer should be over the age of 50, has a low-risk occupation, and insures a new vehicle. A customer who matches that profile will get very good rates and will probably save money with a new company.

Insureds who fall short of this ideal profile will probably have to pay higher premium rates which results in business going elsewhere. If you listen closely, the ads state “customers who switch” not “all people who quote” can save as much as they claim. That is how companies can advertise the way they do. Because of these techniques, it’s extremely important to do a price quote comparison at every renewal. It is just not possible to predict which insurance company will fit your personal profile best.

It’s not one size fits all

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions might point out if your situation might need professional guidance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • What is no-fault insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Do all my vehicles need collision coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I afford to buy a different vehicle if my 2018 FIAT 500X is totaled?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance policy specifics

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, damage from flooding and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your 500X resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle, driving through your garage door, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, surgery and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability

This coverage can cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, funeral expenses and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2018 FIAT 500X.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Don’t be a big spender

Consumers who switch companies do it for a variety of reasons including denial of a claim, extreme rates for teen drivers, high prices and even high rates after DUI convictions. No matter why you want to switch, finding a great new company can be pretty painless.

Cheap 2018 FIAT 500X insurance is attainable both online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide online rate quotes and these regional carriers work with independent insurance agencies.

As you quote car insurance, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

For more information, feel free to browse the articles below: