Compare 2013 FIAT 500e Car Insurance Rates in 2024

Purchasing the lowest price insurance coverage may seem to be problematic for drivers that are relatively new to buying insurance on the internet. With such a big selection of agents and online companies, how can drivers have a chance to compare every company to locate the cheapest rates?

Free insurance coverage rate quotes

The majority of larger companies like Allstate and Progressive provide price estimates from their websites. Getting prices online is quite easy as you simply type in your required coverages on the page. When complete, the company’s rating system requests information on your driving record and credit history and generates a price.

Online price quotes makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same data can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to get the lowest price.

There is an easier way!

An easier way to locate the lowest prices utilizes a single form to get prices from a lot of companies. It saves time, requires much less work on your part, and makes rate comparisons a little more enjoyable. Immediately after you send the form, it gets priced and you can select any or none of the returned quotes.

If you find a better price you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and you will know how your current rates stack up.

To use this form to compare rates, simply enter your zip code here and submit your coverage information. If you have coverage now, it’s recommended you input the limits and deductibles just like they are on your policy. This helps ensure you are getting a price comparison based on similar coverages.

Save $425 a year. For real?

Companies like Allstate and Progressive seem to constantly run ads on TV and radio. All the ads make an identical promise about how much you will save if you change your coverage. But how can every company charge you a lower premium? It’s all in how they say it.

All companies have specific characteristics for a prospective insured that earns them a profit. A good example of this type of driver might be described as between the ages of 30 and 50, has no claims, and drives a safe vehicle. Any new insured who matches that profile will qualify for the lowest premium rates and most likely will save quite a bit of money when switching.

Potential customers who do not meet those criteria may receive a higher premium and this results in business going elsewhere. The trick is to say “customers who switch” not “everyone who quotes” save that much when switching. That is how companies can make the claims of big savings.

Because of these techniques, it’s extremely important to get a wide range of price quotes. Because you cannot predict with any certainty which company will be your best fit.

Get cheap car insurance with discounts

Some companies do not advertise all discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits available to bring down your rates.

• Online Discount – A handful of companies will provide an incentive for completing your application over the internet.
• Pay Early and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your car insurance quote.
• Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a lower price if you buy some life insurance too.
• Accident Forgiveness – Not necessarily a discount, but some companies like Allstate, State Farm and GEICO allow you one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
• Driver Education Discount – It’s a good idea to have your young drivers enroll in driver’s education in school.
• Accident-Free Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote when compared to bad drivers.

One last thing about discounts, most credits do not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, you’re out of luck.

A few popular companies and a selection of discounts are detailed below.

• State Farm policyholders can earn discounts including student away at school, Steer Clear safe driver discount, good student, accident-free, anti-theft, and good driver.
• GEICO includes discounts for anti-lock brakes, daytime running lights, driver training, good student, federal employee, membership and employees, and five-year accident-free.
• SAFECO offers discounts for accident prevention training, bundle discounts, teen safety rewards, multi-car, and drive less.
• Farmers Insurance has discounts for mature driver, teen driver, alternative fuel, electronic funds transfer, and business and professional.
• AAA offers premium reductions for anti-theft, multi-car, good driver, AAA membership discount, multi-policy, and pay-in-full.
• USAA offers discounts including driver training, annual mileage, loyalty savings, multi-policy, and good student.

When comparing rates, check with each insurance company to apply every possible discount. Discounts may not apply to policyholders in your area. For a list of insurers with discount car insurance rates, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

• When can I cancel my policy?
• I don’t drive much so do I pay less?
• Should I put collision coverage on all my vehicles?
• Is my nanny covered when driving my vehicle?
• Is my vehicle covered by my employer’s policy when using it for work?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Can I afford low physical damage deductibles?
• Do I have coverage if my license is suspended?
• How much liability do I need to cover my assets?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete your zip code.

Auto insurance 101

Having a good grasp of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, damage from a tornado or hurricane and theft. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like pain and suffering, loss of income, medical expenses and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, rehabilitation expenses, dental work and surgery. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your FIAT 500e.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Collision protection

This pays for damage to your 500e from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, colliding with a tree, hitting a mailbox, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

The best insurance company isn’t always the cheapest

We covered many tips how you can get a better price on 2013 FIAT 500e insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest prices come from the least-expected company.

Drivers who switch companies do it for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, delays in paying claims or policy non-renewal. No matter why you want to switch, finding a new company is not as hard as you think.

Cost effective 2013 FIAT 500e insurance is possible both online and from local insurance agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who do not offer online price quotes and many times these smaller providers work with independent agencies.