Lower Your 2020 FIAT 500L Insurance Quotes in 2024

Searching for lower auto insurance rates for your FIAT 500L? Are you regretting buying an expensive auto insurance policy? You’re preaching to the choir because there are lots of residents who feel the same. Due to the abundance of companies and agents to choose from, it’s nearly impossible to find the lowest price insurer.

Locating affordable protection is simple if you know the tricks. If you are insured now or are just looking to switch companies, you can follow these tips to reduce the price you pay and still get good coverage. Drivers just need to learn the tricks to get comparison rates over the internet.

Ways to get auto insurance quotes

All the larger auto insurance companies give price estimates on the web. This process is very simple as you just enter the amount of coverage you want into the quote form. After the form is submitted, their quoting system will order your driving record and credit report and quotes a price. This streamlines rate comparisons, but the time it takes to visit a lot of sites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to get the lowest possible prices on auto insurance.

The better way to compare rates

The smarter way to compare auto insurance pricing utilizes a single form that analyzes rates from several different companies. The form is fast, eliminates repetitive work, and makes comparison shopping a lot less work. Immediately after you send the form, it is rated and you can select any one of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the policy. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly compare rates now, simply enter your zip code here and enter your information. If you have your current policy handy, we recommend you duplicate the coverage information just like they are on your policy. This ensures you will have a price comparison for exact coverage.

Get cheap rates by taking advantage of discounts

Car insurance is neither fun to buy or cheap, but companies offer discounts to help bring down the price. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be asked about before you will receive the discount.

• Sign Early and Save – Some larger companies give discounts for signing up before your current expiration date. This can save 10% or more.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a break if you buy life insurance.
• Government Employees – Active or retired federal employment could cut as much as 10% off on 500L coverage depending on your car insurance provider.
• Theft Deterrent Discount – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
• Senior Citizen Rates – Older drivers are able to get reduced rates on 500L coverage.
• Distant Student Discount – Older children who are attending college and do not have a car could qualify for this discount.
• Paperless Signup – Some of the larger companies will give you a small discount get insurance coverage on your computer.
• Student Discounts – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
• Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will definitely lower the premium cost.

To see a list of car insurance companies that have a full spectrum of discounts, enter your zip code here.

How much insurance do I need?

When buying coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help highlight if your insurance needs will benefit from professional help.

• Am I covered when driving on a suspended license?
• At what point should I drop full coverage?
• Am I covered when using my vehicle for business?
• How high should my medical payments coverage be?
• Am I covered if I hit my neighbor’s mailbox?
• Are my tools covered if they get stolen from my vehicle?
• Will I be non-renewed for getting a DUI or other conviction?
• Are rental cars covered under my policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete your zip code. It only takes a few minutes and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Liability car insurance – This will cover damages or injuries you inflict on a person or their property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as court costs, repair costs for stationary objects, medical expenses, medical services and attorney fees. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, hitting a deer, damage from a tornado or hurricane, hitting a bird and a broken windshield. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This coverage covers damage to your 500L resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like chiropractic care, hospital visits, funeral costs and prosthetic devices. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your FIAT 500L.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits do not exceed the liability coverage limits.