Cheaper 2014 FIAT 500e Insurance Quotes in 2024

Want the cheapest insurance coverage rates for your FIAT 500e? Trying to find the cheapest insurance for a FIAT 500e can be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to find insurance coverage online and you need to know the best way to price shop coverage on a FIAT and obtain the cheapest rates from both online companies and local agents.

Shopping for affordable insurance coverage is simple if you know the tricks. If you are insured now or need a new policy, you can use these techniques to shop for the lowest rates while maximizing coverage. Vehicle owners only need an understanding of the most efficient way to compare rates on the web.

The quickest method we recommend to compare rates is to take advantage of the fact auto insurance companies pay for the opportunity to provide you with free rate quotes. All you need to do is provide the companies a bit of rating information such as coverage limits, whether the vehicles are used for commuting, how many miles driven, and if you are currently licensed. Your details is sent automatically to all major companies and they return quotes almost instantly.

Verify you’re applying every discount

Not many people think insurance is cheap, but there may be some discounts to help offset the cost. A few discounts will automatically apply when you quote, but some may not be applied and must be specially asked for in order for you to get them.

• Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Club Memberships – Joining qualifying employment or professional organizations could qualify you for a break on your next car insurance statement.
• Multiple Cars – Purchasing coverage when you have multiple vehicles on one policy can reduce the rates for all insured vehicles.
• Claim-Free Discount – Drivers with accident-free driving histories pay much less in comparison with insureds who have frequent claims or accidents.
• Low Miles Discount – Maintaining low annual mileage could qualify for lower car insurance rates on the low mileage vehicles.
• Life Insurance Discount – If the company offers life insurance, you could get better prices if you take out life insurance.
• Defensive Driving Course – Taking a defensive driving class could save 5% or more and easily recoup the cost of the course.

We need to note that most credits do not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will lower your overall bill.

A list of companies and a selection of discounts are shown below.

• GEICO has discounts for emergency military deployment, anti-theft, air bags, membership and employees, multi-policy, and federal employee.
• Travelers may have discounts that include continuous insurance, driver training, multi-policy, save driver, student away at school, new car, and home ownership.
• Farm Bureau may offer discounts for youthful driver, good student, multi-policy, safe driver, renewal discount, driver training, and multi-vehicle.
• Liberty Mutual discounts include new vehicle discount, new move discount, multi-policy, preferred payment discount, good student, and multi-car.
• American Family offers premium reductions for TimeAway discount, mySafetyValet, Steer into Savings, good student, air bags, early bird, and defensive driver.
• Progressive has savings for homeowner, online signing, multi-policy, continuous coverage, good student, online quote discount, and multi-vehicle.

If you want the cheapest car insurance quotes, ask every company which credits you are entitled to. Some credits might not apply in your area. To choose providers with discount rates, enter your zip code here.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions can help discover if you may require specific advice.

• Am I covered when driving a rental car?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is a fancy paint job covered?
• Am I covered when driving in Canada or Mexico?
• Are my friends covered when driving my car?
• Can I rent a car in Mexico?
• Can I still get insurance after a DUI?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out your zip code. It’s fast, free and you can get the answers you need.

Why your insurance premiums might be higher

When buying car insurance it’s important to understand some of the factors that help determine your premiums. When consumers understand what determines base rates, this enables you to make decisions that could result in lower car insurance prices.

• More than one policy can earn a discount – Most larger car insurance companies apply better rates to insureds who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even with this discount applied, drivers will still want to get quotes from other companies to confirm you are receiving the best rates possible. You may still be able to save even more by buying car insurance from a different company.
• Too many car insurance claims will drive car insurance rates up – If you file a lot of claims don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies generally give the best rates to insureds who file claims infrequently. Your insurance policy is intended for claims that you cannot pay yourself.
• Five star safety rating saves money – Safer cars get lower rates. Safe vehicles reduce injuries and reduced instances of injuries translates directly to fewer claims and thus lower rates. If your FIAT 500e has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
• Coverage lapses lead to higher premiums – Driving any period of time without insurance is illegal and you may have a hard time finding new coverage because you let your coverage have a gap. Not only will you pay higher rates, getting caught without coverage can result in a license revocation or jail time.
• Job reflects on rates – Did you know your job can affect your rates? Jobs like judges, business owners and miners usually pay higher average rates due to intense work situations and lots of time spent away from family. Conversely, occupations like scientists, engineers and retirees have the lowest average rates for 500e insurance.
• City traffic equals higher premiums – Residing in less populated areas can be a good thing when talking about car insurance. City drivers have traffic congestion and more severe claims. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.

The ad said I’d save $490 a year!

Consumers can’t ignore all the ads for car insurance savings by GEICO, State Farm and Progressive. They all advertise the message of big savings after switching to them.

How can each company give you a better price? This is how they do it.

Insurance providers quote their cheapest rates for the type of customer that makes them money. A good example of a profitable insured might be described as over age 30, has a clean driving record, and drives a lower-performance vehicle. Any person that meets those criteria will get low premium rates and will probably cut their rates substantially.

People who fall short of these standards will have to pay higher prices and this results in the customer not purchasing. The trick is to say “drivers that switch” not “everyone who quotes” save the amount stated. This is how companies can claim big savings.

Because of the profiling, you need to do a price quote comparison at every renewal. Because you never know with any certainty which company will give you lower rates than your current company.

Insurance coverage specifics

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, chiropractic care and dental work. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like loss of income, medical services and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, damage from a tornado or hurricane, hail damage and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision – This coverage pays for damage to your 500e resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, sustaining damage from a pot hole, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Best coverage at the best price

Throughout this article, we presented a lot of techniques to get a better price on 2014 FIAT 500e insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best price on insurance is with a lesser-known regional company.

Budget-conscious 2014 FIAT 500e insurance is attainable from both online companies as well as from insurance agents, and you need to price shop both to have the best selection. Some companies may not provide online price quotes and these regional insurance providers work with independent insurance agencies.

When searching for cheaper car insurance quotes, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.