Save on 2017 FIAT 500X Insurance Rates in 2024

Overpriced car insurance can bleed your accounts and require stricter spending habits. Shopping your coverage around can help to slash your bill and have more disposable income.

With people having so many companies to choose from, it can be hard to find the most affordable company.

It’s smart to compare prices yearly due to the fact that insurance prices tend to go up over time. Just because you had the best deal on 500X insurance at your last renewal a different company probably has better rates today. Block out anything you think you know about car insurance because I’m going to teach you how to quote online to save money, get proper coverage and the best rates.

How to compare free insurance coverage price quotes

There are a variety of methods to compare insurance coverage quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could use the internet to get prices fast.

Most of the larger companies are enrolled in a marketplace where insurance shoppers submit one quote, and at least one company then gives them pricing. This system prevents you from having to do form submissions for every insurance coverage company.

To get comparison pricing now enter your zip code here.

The only drawback to getting quotes like this is you are unable to specify the companies you want pricing from. So if you prefer to pick individual companies to compare prices, we have a page of low cost insurance coverage companies in your area. Click to enter zip code for insurance companies.

You can choose any of those ways to find more affordable coverage, but do your best to use the same coverages and limits on every price quote you get. If you enter unequal deductibles or liability limits it’s impossible to make a fair comparison for your FIAT 500X. Just slight variations in insurance coverages or limits could mean much higher rates. And when quoting insurance coverage, remember that comparing a large number of companies increases the change that you will find the best price.

Reduce your auto insurance rates with discounts

The price of auto insurance can be rather high, but you may be missing some discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but some need to be requested specifically prior to getting the savings.

• Discount for Life Insurance – Some auto insurance companies give a break if you buy a life insurance policy as well.
• Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts of 25 to 30%.
• Buy New and Save – Putting insurance coverage on a new car can be considerably cheaper since new vehicles are generally safer.
• Theft Prevention System – Cars and trucks that have factory anti-theft systems are less likely to be stolen and will save you 10% or more.
• Homeowners Pay Less – Owning a home can save you money because maintaining a house is proof of financial responsibility.
• Multi-car Discount – Buying insurance for all your vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. Even though it appears you would end up receiving a 100% discount, it’s just not the way it works.

The best auto insurance companies and some of the premium reductions they offer can be read below.

• State Farm offers discounts including good driver, defensive driving training, accident-free, multiple autos, and good student.
• GEICO includes discounts for anti-theft, good student, anti-lock brakes, daytime running lights, emergency military deployment, seat belt use, and air bags.
• Liberty Mutual offers discounts for multi-car, new move discount, multi-policy, safety features, preferred payment discount, and newly married.
• The Hartford offers premium reductions for vehicle fuel type, anti-theft, driver training, defensive driver, good student, air bag, and bundle.
• MetLife may offer discounts for good student, claim-free, accident-free, multi-policy, good driver, defensive driver
• Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, homeowner, good student, online signing, and multi-policy.

Check with each insurance company which discounts they offer. A few discounts may not apply to policyholders in every state. If you would like to see a list of insurance companies that offer many of these discounts, enter your zip code here.

What affects FIAT 500X insurance prices?

It’s important that you understand the different types of things that come into play when calculating car insurance rates. If you understand what determines base rates, this enables informed choices that could help you find big savings.

The factors shown below are most of the major factors used by companies to determine premiums.

• Bundle and save – Lots of insurance companies allow a discount to customers that have more than one policy. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to shop around to ensure the best deal. Consumers may find lower rates by buying insurance from more than one company.
• With age comes responsibility – Young drivers have a tendency to be less responsible behind the wheel so they pay higher car insurance rates. Adding a first-time driver to your policy can be very expensive. More mature drivers are more cautious drivers, are lower risk to insure and receive fewer citations.
• Drive less and pay lower prices – The higher the miles on your FIAT annually the higher the price you pay to insure it. Most companies calculate prices based on how the vehicle is used. Autos that do not get driven very much get more affordable rates than cars that get driven a lot. Verify your car insurance coverage reflects how each vehicle is driven, because improper ratings can cost you money. Having an incorrect usage rating on your 500X is just wasting money.
• Amount of liability insurance – Liability coverage will provide protection if you are ruled to be at fault for personal injury or accident damage. It will provide you with a defense in court starting from day one. It is affordable coverage compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Don’t buy incidental coverages you don’t use – There are a lot of extra add-on coverages that sound like a good idea at the time if you don’t pay attention. Coverages like rental car reimbursement, accidental death, and motor club memberships could be just wasting money. They may sound like good ideas when talking to your agent, but your needs may have changed so consider taking them off your policy.
• Females tend to be lower risk – Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Both sexes get in accidents at about the same rate, but guys get into accidents with more damage. Men also statistically get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are the most expensive to insure so they pay the highest premiums.

You are unique and your insurance should be too

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might help in determining whether or not you may require specific advice.

• When should I drop full coverage on my 2017 FIAT 500X?
• When can I cancel my policy?
• How much liability coverage do I need in my state?
• Do I need more liability coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• How high should my medical payments coverage be?
• When should my teen driver be added to my policy?
• Who is covered when they drive my 2017 FIAT 500X?
• If my pet gets injured in an accident are they covered?
• When should I not file a claim?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and enter your zip code.

Specifics of your car insurance policy

Understanding the coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, hitting a deer, fire damage and hail damage. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This coverage will pay to fix damage to your 500X from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle, hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things like attorney fees, emergency aid, structural damage, medical services and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your FIAT 500X.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses like funeral costs, chiropractic care, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Coverage on a shoestring budget

Lower-priced 2017 FIAT 500X insurance can be found from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not have online price quotes and these small, regional companies prefer to sell through local independent agents.

As you quote insurance coverage, you should never sacrifice coverage to reduce premiums. In too many instances, an insured cut physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the lowest possible cost.