2017 FIAT 500e Insurance Quotes

Searching for the cheapest insurance rates? Consumers have options when looking for low-cost FIAT 500e insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to get rate quotes.

There are more efficient ways to compare insurance rates so you’re going to learn the best way to price shop coverage for a FIAT and get the cheapest rates from both online companies and local agents.

This article will introduce you to the best way to quote coverages and some tips to save money. If you have car insurance now, you should be able to reduce your rates substantially using these methods. Drivers just need to understand the tricks to shop their coverage around online.

How to compare insurance coverage rate quotes

There are a lot of ways to shop for insurance coverage, and some are less time-consuming than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could use the web to achieve your goal.

Many companies belong to a marketplace that allows shoppers to complete one form, and at least one company can give them a price based on that data. This saves time by eliminating quotation requests for each company you want a rate for.

To enter your information into the quoting system, click to open in new window.

The one downside to using this type of form is you cannot specify which insurance companies to get pricing from. So if you prefer to choose from a list of companies to compare prices, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use nearly identical coverages for each price quote. If you use higher or lower deductibles it will be impossible to determine the lowest rate for your FIAT 500e.

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These discounts can slash insurance rates

Not many people think insurance is cheap, but there could be significant discounts that many consumers don’t even know exist. Some discounts will apply at the time of quoting, but a few must be asked for before you will receive the discount.

• Buy New and Save – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
• Senior Citizens – Mature drivers may receive reduced rates for 500e coverage.
• Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. This discount can apply until age 25.
• Discounts for Responsible Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote for 500e coverage than drivers with accident claims.
• Own a Home and Save – Just being a homeowner can get you a discount since owning and maintaining a home requires a higher level of personal finance.
• Driver Education Discount – Require your teen driver to enroll and complete driver’s education if it’s offered in school.

As is typical with insurance, many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works.

A few popular companies and a partial list of their discounts can be read below.

• The Hartford discounts include air bag, good student, vehicle fuel type, defensive driver, anti-theft, bundle, and driver training.
• American Family offers premium reductions for good driver, mySafetyValet, air bags, TimeAway discount, Steer into Savings, and good student.
• Progressive may have discounts that include continuous coverage, multi-policy, homeowner, online quote discount, good student, and online signing.
• Travelers may offer discounts for payment discounts, IntelliDrive, save driver, multi-car, and multi-policy.
• Farmers Insurance may include discounts for good student, youthful driver, pay in full, switch companies, multi-car, and distant student.
• USAA policyholders can earn discounts including good student, loyalty savings, annual mileage, safe driver, multi-vehicle, and new vehicle.
• Liberty Mutual includes discounts for new graduate, safety features, newly retired, new move discount, and good student.

If you need lower rates, check with all companies you are considering to apply every possible discount. Some discounts might not be available to policyholders in your area. For a list of insurance companies that provide some of the discounts listed above, click this link.

Insurance costs are influenced by these factors

Lots of factors are used when quoting car insurance. Some are obvious such as your driving record, but others are not quite as obvious like where you live or your vehicle rating.When buying car insurance it’s important to understand the different types of things that are used to determine your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with better car insurance rates.

Shown below are a few of the “ingredients” used by insurance companies to determine your rates.

• Improve your credit score and save – Your credit score can be a huge factor in calculating your premium rate. If your credit is low, you could pay less to insure your 2017 FIAT 500e by repairing your credit. Drivers who have excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit.
• Lower car insurance rates by staying claim free – If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Companies give the best rates to insureds who file claims infrequently. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Age of drivers – Mature drivers tend to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.Teen drivers are known to be careless and easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher.
• Gender and auto insurance prices – Statistics demonstrate that females take fewer risks when driving. This data doesn’t prove that females are better at driving than males. Men and women have at-fault accidents at about the same rate, but the men tend to have more serious accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving. Male teenagers have the highest risk to insure and therefore pay the highest rates.
• Where you call home plays a part – Residing in less populated areas of the country has definite advantages if you are looking for the lowest rates. Fewer drivers translates into fewer accident claims in addition to fewer liability claims. Drivers who live in large cities regularly have traffic congestion and much longer commute distances. More time behind the wheel means more chance of being in an accident.
• A policy lapse can increase prices – Driving with no insurance is a misdemeanor and companies may charge more for letting your coverage have a gap. In addition to paying higher premiums, not being able to provide proof of insurance can result in a license revocation or jail time.

When do I need an agent’s advice?

When buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions may help you determine whether or not you might need an agent’s assistance.

• Do I need an umbrella policy?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered if my car is in a flood?
• Can my teen drive my company car?
• Who is covered by my policy?
• Why am I required to buy liability insurance?
• Do I have coverage when making deliveries for my home business?
• Should I have a commercial auto policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

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But the ad said I’d save 15% in 15 minutes!

Consumers can’t get away from all the ads that promise big savings by State Farm, Geico and Progressive. All the companies seem to make the promise of big savings just by moving your coverage to them.

How does every company give you a better price? This is the way they can do it.

Insurance coverage companies have a certain “appetite” for a prospective insured that will generate a profit. For instance, this type of insured could be over the age of 35, has a low-risk occupation, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications receive the lowest rate quotes and as a result will probably save money with a new company.

Consumers who are not a match for these stringent criteria will probably have to pay a more expensive rate and this can result in business not being written. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save that much money. That’s why companies can truthfully make the claims of big savings.

Different companies use different criteria so you really should get price quotes at each policy renewal. It’s just not possible to know the company that will have the best rates.

Insurance coverage specifics

Knowing the specifics of insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, legal defense fees, medical services and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like rehabilitation expenses, chiropractic care, pain medications and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, hail damage, hitting a deer and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a building, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

You can do this!

In this article, we covered some good ideas how to reduce 2017 FIAT 500e insurance premium rates online. The key concept to understand is the more providers you compare, the higher your chance of finding cheaper insurance coverage. You may even find the lowest premium rates come from a smaller regional carrier.

When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Drivers who switch companies do it for any number of reasons including questionable increases in premium, delays in responding to claim requests, poor customer service or unfair underwriting practices. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.

More learning opportunities

• Parking Tips to Reduce Door Dings (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)

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