How Much Does 2017 FIAT 500L Insurance Cost?

Trying to find lower insurance rates for your FIAT 500L? Do you think you bought an underperforming, overpriced insurance policy? Don’t sweat it because there are many consumers feeling the pinch from expensive insurance.

Since people have many options, it is very difficult to pick the cheapest insurer.

Finding affordable insurance coverage coverage is quite easy. In a nutshell, everyone who buys insurance coverage should be able to find better rates. Nevertheless, car owners must comprehend how the larger insurance companies sell online because it can help you find the best coverage.

The method we recommend to compare insurance rates from multiple companies is to know the fact most larger insurance companies pay for the opportunity to give free rates quotes. To begin a comparison, all you need to do is give them rating details including if it has an anti-theft system, how you use your vehicles, how much coverage you want, and what you do for a living. Your details is instantly submitted to multiple companies and they return quotes immediately.

If you would like to start a quote now, click here and complete the form.

Get cheaper auto insurance rates with discounts

Not too many consumers would say auto insurance is affordable, but there’s a good chance there are discounts that many consumers don’t even know exist. A few discounts will be applied at the time of quoting, but less common discounts must be asked about before you will receive the discount.

• Senior Citizens – Older drivers may qualify for a discount up to 10% on 500L insurance.
• Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Multi-line Discount – Larger insurance carriers have a small discount if you purchase some life insurance in addition to your auto policy.
• No Claims – Drivers who stay claim-free have much lower rates in comparison with drivers who are more careless.
• Good Drivers – Drivers without accidents may receive a discount up to 45% on 500L insurance than drivers with accidents.
• Defensive Driving Course – Passing a defensive driving course could save 5% or more and easily recoup the cost of the course.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Membership in Organizations – Joining a professional or civic organization is a good way to get lower rates on your bill.

You should keep in mind that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

Larger auto insurance companies and the discounts they provide include:

• Progressive discounts include online quote discount, good student, online signing, multi-vehicle, homeowner, multi-policy, and continuous coverage.
• Farmers Insurance includes discounts for multi-car, teen driver, pay in full, alternative fuel, electronic funds transfer, and good student.
• Farm Bureau may have discounts that include driver training, safe driver, youthful driver, multi-policy, and multi-vehicle.
• State Farm has discounts for anti-theft, student away at school, defensive driving training, safe vehicle, driver’s education, and accident-free.
• Geico offers premium reductions for air bags, multi-policy, defensive driver, membership and employees, military active duty, and driver training.
• SAFECO policyholders can earn discounts including accident prevention training, anti-lock brakes, bundle discounts, multi-car, drive less, and teen safety rewards.
• Liberty Mutual has savings for exclusive group savings, new move discount, new vehicle discount, newly married, new graduate, newly retired, and preferred payment discount.

If you need lower rates, check with all companies you are considering which discounts can lower your rates. Some discounts listed above may not apply to policyholders in your area.

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Informed decisions result in lower insurance rates

Many things are taken into consideration when you get your auto insurance bill. Most are fairly basic such as traffic violations, although others are more transparent like where you live or how financially stable you are.

• Extra coverages can waste money – There are a lot of extra bells and whistles you can purchase on your 500L policy. Coverage for things like vanishing deductibles, high-cost glass coverage, and extra life insurance coverage are some examples. They may seem like a good idea when discussing your needs, but your needs may have changed so get rid of them and save.
• Gender impacts prices – Statistics demonstrate that females tend to be a little less risky than males. This data doesn’t prove that men are worse drivers. Men and women tend to get into at-fault accidents at a similar rate, but guys get into accidents with more damage. Men also get more serious tickets such as DWI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
• Cars with good safety ratings lower premiums – Vehicles with good safety scores can get you lower premiums. These vehicles reduce injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy.
• Rates are affected by your address – Residing in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft. People who live in big cities have more traffic problems and longer commute times. Higher commute times translates into higher accident risk.
• Auto insurance rates and age – Beginning drivers tend to be careless and easily distracted behind the wheel so auto insurance rates are higher. If you’ve ever had to add a youthful driver to your policy will cause a huge premium hike. Mature drivers are viewed as being more responsible, cause fewer claims and accidents .
• Drive less and get lower costs – The more miles you rack up on your FIAT in a year the higher the price you pay to insure it. Many insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your 500L may be costing you. Double check that your declarations sheet shows how each vehicle is driven, because improper ratings can cost you money.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

• Why do I only qualify for high-risk insurance?
• Should I drop comprehensive coverage on older vehicles?
• Is a blown tire covered by insurance?
• Should I bundle my homeowners policy with my auto?
• What is no-fault insurance?
• Can I rent a car in Mexico?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is my nanny covered when driving my vehicle?
• Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Don’t listen to company ads

Companies like Allstate, Geico and Progressive constantly bombard you with ads on TV and radio. All the ads advertise the message that drivers can save some big amount if you just switch to them. How is it plausible that every one can give you a better price? This is how they do it.

All the different companies have underwriting criteria for the right customer that will generate a profit. For example, a preferred risk might be described as a married male, has other policies, and drives a car with an anti-theft system. A driver who matches those parameters receives the best prices and therefore will save quite a bit of money when switching.

Insureds who don’t qualify for those criteria will be charged a more expensive rate and ends up with the prospect going elsewhere. The ads say “customers that switch” but not “everyone who gets a quote” can save as much as they claim. That is how companies can make those statements.

Because of the profiling, you should compare free insurance quotes often. It is just not possible to predict the company that will have the lowest rates.

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Insurance coverages and their meanings

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for nursing services, pain medications, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your FIAT 500L.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for liability – This protects you from damage that occurs to other people or property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like structural damage, emergency aid, pain and suffering, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive coverages – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from getting keyed, hitting a bird and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Have the Midas touch

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. There are many occasions where consumers will sacrifice liability coverage limits only to regret that the savings was not a smart move. Your focus should be to buy a smart amount of coverage for the lowest price.

Lower-priced 2017 FIAT 500L insurance is possible on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not offer the ability to get quotes online and many times these smaller providers prefer to sell through independent agents.

More articles

• Car Insurance: When not to Skimp (BankRate.com)
• Rollover Crash FAQ (iihs.org)
• All About Airbag Safety (State Farm)
• Safe Vehicles for Teens (iihs.org)

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