2018 FIAT 500 Insurance Quotes in 2024 – 7 Ideas for Cheaper Rates

Searching for the cheapest insurance for a FIAT 500 could be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to find insurance online so we’re going to tell you the quickest way to price shop coverage for a FIAT and get the cheapest rates either online or from local insurance agents.

Free auto insurance quotes

Finding cheaper auto insurance prices is surprisingly easy. You just have to take a few minutes comparing free auto insurance quotes from different insurance companies. This is very easy and can be done in several different ways.

The single most time-saving way consumers can analyze rates would be an industry-wide quote request form. This quick form eliminates the need for boring form submissions for each company you want a rate for. A single, simple form gets coverage cost estimates from auto insurance companies with the best prices. Just one form and you’re done.

A harder way to find better pricing requires visiting each individual company website and fill out a new quote form. For example, we’ll pretend you want to view quotes from Progressive, Safeco and Travelers. You would have to take the time to go to each site and enter your information, which is why the first method is more popular.

Compare rates however you want, just try to use exactly the same quote information for every quote you compare. If you enter different data you will not be able to truly determine the lowest rate.

More affordable rates with these seven insurance coverage discounts

Companies that sell car insurance don’t list all possible discounts in a way that’s easy to find, so the below list has some of the best known as well as the least known discounts that you can inquire about if you buy auto insurance online. If you are not receiving all the discounts possible, you are just wasting money.

• Safety Course Discount – Taking a class that teaches defensive driving techniques may get you a small discount if you qualify.
• Clubs and Organizations – Belonging to a civic or occupational organization is a simple method to lower premiums when shopping for insurance coverage.
• Multi-car Discount – Having all your vehicles on the same insurance coverage policy can reduce the rates for all insured vehicles.
• Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote as opposed to frequent claim filers.
• ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
• Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies permit an accident without raising rates if you are claim-free prior to being involved in the accident.
• Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save 10% or more off the personal injury premium cost.

Policy discounts save money, but most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A list of companies and their offered discounts can be found below.

• American Family may include discounts for mySafetyValet, good driver, accident-free, bundled insurance, Steer into Savings, and good student.
• Farm Bureau offers premium reductions for 55 and retired, safe driver, driver training, multi-policy, renewal discount, and multi-vehicle.
• State Farm may offer discounts for passive restraint, driver’s education, defensive driving training, multiple policy, student away at school, and good driver.
• Travelers may have discounts that include IntelliDrive, multi-policy, good student, new car, and payment discounts.
• The Hartford offers discounts including bundle, vehicle fuel type, defensive driver, driver training, and air bag.
• GEICO has discounts for five-year accident-free, seat belt use, good student, anti-theft, and multi-vehicle.
• Progressive offers discounts for online quote discount, good student, multi-vehicle, continuous coverage, homeowner, and multi-policy.

It’s a good idea to ask every insurance company the best way to save money. All car insurance discounts may not apply to policies in your area. To locate insurers that offer discounts, enter your zip code here.

Insurance coverage can get complicated

When it comes to buying the best insurance coverage coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

• Am I covered when driving in Canada or Mexico?
• Am I covered by my spouse’s policy after a separation?
• How high should deductibles be on a 2018 FIAT 500?
• Why does it cost so much to insure a teen driver?
• What is no-fault insurance?
• Will my rates increase for filing one claim?
• Do I need medical payments coverage since I have good health insurance?
• I don’t drive much so do I pay less?
• Do I need to file an SR-22 for a DUI in my state?
• What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like nursing services, dental work and doctor visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your FIAT 500.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance

This provides protection from damages or injuries you inflict on people or other property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, court costs, legal defense fees, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

This covers damage to your 500 resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, backing into a parked car, sideswiping another vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, fire damage, rock chips in glass, hail damage and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Save your cold hard cash

We’ve covered a lot of tips how to save on 2018 FIAT 500 insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest prices are with a small mutual company.

While you’re price shopping online, never buy less coverage just to save a little money. Too many times, an insured dropped liability coverage limits only to regret that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at the best price.

Insureds change insurance companies for many reasons like high prices, an unsatisfactory settlement offer, being labeled a high risk driver and even high rates after DUI convictions. Whatever your reason, choosing a new company can be less work than you think.