2023 FIAT 500X Insurance Rates in 2024 – 10 Tricks for Cheaper Quotes

Trying to come up with a payment for pricey insurance coverage can deplete your monthly budget and put the squeeze on your family’s finances.

Online insurance companies like GEICO, Progressive and Allstate all claim big savings, bombarding you with catchy ads and it is difficult to sift through the bull and find the best price available.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Choosing the best insurance company for you is easy if you know what you’re doing. Although consumers must understand how big insurance companies market on the web because it can help you find the best coverage.

Buy car insurance online

The majority of larger companies allow consumers to get price estimates online. Doing online price comparisons is possible for anyone because you just enter your coverage preferences into the quote form. After the form is submitted, the system requests reports for credit and driving violations and returns a price based on these and other factors. Quoting online makes comparing rates easy, but the process of having to visit each company’s website and repetitively enter the same data into a form is a big time waster. But it’s necessary to have as many quotes as possible if you are searching for lower prices.

A less time-consuming method to get multiple rate quotes requires only one form that obtains quotes from several different companies. The form is fast, eliminates form submissions, and makes online quotes a lot less work. As soon as you send your information, it gets priced with multiple companies and you can pick any of the resulting price quotes. If the quotes result in lower rates, you can click and sign and buy the new coverage. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, simply enter your zip code here and enter your vehicle and coverage information. To compare your current rates, we recommend you input identical to your current policy. This way, you are getting a price comparison based on the exact same insurance coverage.

Insurance can get complicated

When choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining if your situation might need professional guidance.

• Should I have combined single limit or split liability limits?
• Am I insured when driving a different vehicle?
• How many claims can I have before being cancelled?
• Is my teenager covered with friends in the car?
• Are there companies who specialize in insuring high-risk drivers?
• Does insurance cover tools stolen from my truck?
• Is a blown tire covered by insurance?
• Am I covered if I wreck a rental car?
• Is extra glass coverage worth it?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, take a second and enter your zip code.

What insurance coverages do you need?

Learning about specific coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

UM/UIM Coverage

This provides 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 and damage to your FIAT 500X.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means 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 insurance covers things such as medical services, loss of income, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your 500X from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, backing into a parked car, driving through your garage door, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like chiropractic care, X-ray expenses and pain medications. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hail damage, vandalism and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.