Save on 2015 FIAT 500 Insurance Quotes in 2024

I can’t think of anyone who likes buying insurance, especially when they know they could find better rates elsewhere. Due to the large number of options, it’s difficult to locate the best insurance provider.

It’s a great practice to do price comparisons every six months since prices trend upward over time. Just because you had the best deal on 500 insurance six months ago the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because we’re going to demonstrate how to use the internet to find the best coverage while lowering your premiums.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you will be able to save some money using these tips. Drivers just need to learn the most efficient way to shop for car insurance over the internet.

How to find cheap auto insurance

There are multiple methods to shop for auto insurance, but some are less time-consuming than others. You could waste a few hours talking to agents in your area, or you can stay home and use the internet to quickly compare rates.

Most major companies enroll in a system that allows shoppers to only type in their quote data once, and each company can give them a price determined by their information. This saves time by eliminating repetitive form submissions for every auto insurance company.

To enter your information into the quoting system, enter your zip code here.

The single downside to getting quotes like this is you can’t choose the companies to receive prices from. So if you prefer to pick individual companies to compare, we put together a list of the cheapest auto insurance companies in your area. Click to enter zip code.

You can choose any of those ways to find more affordable coverage, but ensure you’re using apples-to-apples information on every price quote you get. If each company quotes differing limits it’s not possible to determine which rate is truly the best.

Auto insurance policy discounts

Car insurance companies don’t always publicize every discount they offer in an easy-to-find place, so we took the time to find a few of the more common as well as the least known credits available to you.

• Drivers Ed for Students – It’s a good idea to have your young drivers complete a driver education course in school.
• Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems can get savings up to 30%.
• Active Service Discounts – Having an actively deployed family member can result in better prices.
• Own a Home – Owning a home may trigger a policy discount on auto insurance due to the fact that maintaining a home requires a higher level of personal finance.
• Discount for Good Grades – Excelling in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
• Senior Citizen Rates – If you’re over the age of 55, you may receive lower premium rates on 500 insurance.
• Fewer Miles Equal More Savings – Fewer annual miles on your FIAT could earn substantially lower rates.
• Defensive Driver – Taking part in a defensive driver course is a good idea and can lower rates if your company offers it.
• Multiple Vehicles – Purchasing coverage when you have multiple vehicles on the same auto insurance policy can get a discount for every vehicle.
• Pay Early and Save – By making one initial payment rather than paying in monthly installments you could save up to 5%.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky.

Insurance companies that may offer quotes with some of the above discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

If you need low cost auto insurance quotes, ask every insurance company what discounts are available to you. Savings might not be offered in your area. To see a list of providers with the best auto insurance discounts, enter your zip code here.

How do I know if I need professional advice?

When choosing coverage, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether you could use an agent’s help.

• Are rental cars covered under my policy?
• Am I covered if I drive in a foreign country?
• How much liability insurance is required?
• Is my teenager covered with friends in the car?
• Does my medical payments coverage pay my health insurance deductible?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is roadside assistance coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete your zip code. It’s fast, free and you can get the answers you need.

FIAT 500 insurance cost factors

It’s important that you understand the rating factors that are used to determine your premiums. If you understand what determines premiums, this empowers consumers to make smart changes that can earn you better insurance coverage rates. Lots of things are considered when pricing auto insurance. Some factors are common sense such as your driving history, but other factors are more transparent such as your marital status or your financial responsibility.

• Marriage can save you money – Having a wife or husband can get you a discount when buying insurance coverage. Having a significant other means you’re more mature than a single person and it’s statistically proven that married couples file fewer claims.
• Safer vehicles save money – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and lower injury rates means less claims paid which can mean better rates for you. If the FIAT 500 has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• Lower prices by staying claim free – If you’re an insured who likes to file claims you can expect much higher rates or policy non-renewal. Auto insurance companies award the best rates to insureds who do not file claims often. Auto insurance is designed for more catestrophic claims.
• Are men or women drivers cheaper? – Over the last 30 years, statistics show females are less aggressive when driving. This data doesn’t prove that males are worse at driving than females. Men and women are responsible for at-fault accidents at a similar rate, but the males tend to have higher claims. Men also statistically get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are most likely to cause an accident and therefore have the most expensive insurance coverage rates.

Coverage specifics

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses like nursing services, doctor visits and funeral costs. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability coverage pays for things such as medical services, legal defense fees, court costs, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision insurance pays for damage to your 500 caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto insurance

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

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a bird and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Stretch your dollar

When you buy auto insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, someone dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your objective should be to get the best coverage possible at the best possible price while not skimping on critical coverages.

Cheaper auto insurance is attainable both online and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not offer online quoting and these smaller providers only sell coverage through independent agents.