How Much Does 2017 FIAT 500L Insurance Cost in 2024?

Want the cheapest insurance coverage rates for your FIAT 500L? Trying to find the cheapest insurance for a FIAT 500L can be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to find insurance coverage online and you need to know the proper way to price shop coverage on a FIAT and obtain the cheapest rates from both online companies and local agents.

Do you qualify for discounts?

Some providers don’t always list all their discounts very well, so the list below contains a few of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

• Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction on 500L coverage with certain companies.
• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
• Safety Restraint Discount – Buckling up and requiring all passengers to fasten their seat belts could save 15% off the PIP or medical payment premium.
• Save over 55 – Older drivers can get better auto insurance rates on 500L coverage.
• Driver’s Ed – Require your teen driver to complete a driver education course in school.
• Driver Training Discounts – Participating in a class that teaches defensive driving techniques can save you 5% or more and easily recoup the cost of the course.
• Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, you won’t be that lucky.

If you would like to see a list of auto insurance companies who offer online auto insurance quotes, enter your zip code here.

Ways to get car insurance price quotes

All the larger car insurance companies like GEICO, State Farm and Progressive allow you to get prices for coverage on the web. Doing online quotes is fairly simple as all you need to do is type in your personal and coverage information into the quote form. Once you submit the form, their system automatically orders your driving and credit reports and returns a price determined by many factors.

Being able to quote online makes it easy to compare insurance prices but having to visit many different websites and type in your information is monotonous and tiresome. But it’s very important to compare as many rates as possible in order to find the best price on car insurance.

The better way to compare rates

The preferred way to find cheaper rates uses one simple form that analyzes rates from multiple companies. It’s a real time-saver, requires less work, and makes online shopping a little more enjoyable. Immediately after submitting the form, it gets priced and you are able to buy your choice of the quote results. If a lower price is quoted, you simply finish the application and buy the new coverage. The entire process takes just a few minutes to complete and may result in a nice savings.

To quickly use this form to compare rates, simply enter your zip code here and begin entering your coverage information. If you have coverage now, it’s recommended that you enter your coverages as close as possible to your current policy. This guarantees you’re receiving a fair comparison using the same coverage and limits.

Lower your insurance premiums

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for auto insurance. If you have some idea of what determines base rates, this enables informed choices that may result in better auto insurance rates.

The list below includes some of the major factors used by companies to determine premiums.

• Policy add-ons may not be needed – There are quite a few additional extra coverages that you can buy if you don’t pay attention. Add-on coverages like rental car reimbursement, death and dismemberment, and membership fees are probably not needed. These coverages may sound good when deciding what coverages you need, but now you might not need them so consider taking them off your policy.
• Higher premiums for demanding occupations – Did you know your occupation can influence how much you pay for auto insurance? Jobs like fire fighters, air traffic controllers and stock brokers have higher rates than the rest of us due to stressful work requirements and lengthy work days. Other occupations like scientists, students and retirees pay lower than average rates on 500L coverage.
• Adjust deductibles and save – Your deductibles define how much you are required to pay if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply would be a windshield broken by a bird, damage from fire, or theft of your vehicle. The more expense you have to pay, the bigger discount you will receive on 500L coverage.
• Rural vs Urban Areas – Residing in small towns and rural areas is a positive aspect when talking about auto insurance. Urban drivers tend to have congested traffic and a longer drive to work. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
• Cars with good safety ratings save money – Vehicles with good safety scores tend to be cheaper to insure. The safest vehicles protect occupants better and fewer injuries means your insurance company pays less and more competitive rates for policyholders. If your FIAT 500L is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
• How many coverages with the same company – Lots of companies will give lower prices to policyholders who have multiple policies with them in the form of a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you’re getting this discount you may still want to check prices from other companies to verify if the discount is saving money. Drivers may still find lower rates by buying auto insurance from a different company.

Don’t assume everyone needs the same car insurance coverage

When buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

For example, these questions may help highlight whether or not you may require specific advice.

• Do I need higher collision deductibles?
• Is my 2017 FIAT 500L covered for smoke damage?
• What is no-fault insurance?
• Is my babysitter covered when using my vehicle?
• Do I need replacement cost coverage?
• Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code. It is quick, free and can help protect your family.

Big brands don’t always mean big savings

Consumers can’t get away from all the ads that claim the lowest rates by companies like GEICO, State Farm and Progressive. They all seem to advertise the message that people will save if you move your insurance coverage to their company.

It sounds good, but how can they all give you a lower rate? Here is the trick they use.

Most companies have an ideal profile for the type of customer that earns them the most money. An example of a driver they prefer may need to be a mature driver, has never had a policy lapse, and has excellent credit. A driver that hits that “sweet spot” will qualify for the lowest premium rates and most likely will save when they switch companies.

Potential insureds who may not quite match these standards will be charged higher premiums and this results in the customer buying from a different company. The trick companies use is to say “people that switch” not “everyone that quotes” can get the lowest rates when switching. This is how insurance companies can advertise the savings. This really drives home the point why you really should compare rate quotes every year. It is just not possible to predict which insurance company will have the lowest premium rates for your situation.

Car insurance coverage information

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Collision insurance

Collision insurance pays for damage to your 500L resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your 2017 FIAT 500L.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance

This can cover injuries or damage you cause to other people or property that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, bail bonds and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like surgery, rehabilitation expenses, X-ray expenses, funeral costs and EMT expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Smart shoppers get results

When searching for the cheapest car insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your aim should be to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

Discount 2017 FIAT 500L insurance is definitely available on the web and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and usually these smaller providers provide coverage only through local independent agents.

In this article, we covered a lot of information how to compare 2017 FIAT 500L insurance rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting low cost car insurance. You may be surprised to find that the most savings is with some of the lesser-known companies.