How Much Does 2017 FIAT 500X Car Insurance Cost?

Trying to find low cost auto insurance is always kind of frustrating for drivers who are new to quoting and comparing prices online. With so many options of insurers to choose from, it can quickly become a real challenge to find more affordable prices.

The purpose of this article is to familiarize you with how to get online quotes and some tips to save money. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Although car owners need to learn how companies determine prices and use this information to your advantage.

Where can I get cheap auto insurance?

There are several ways to compare auto insurance quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with agents in your area, or you could save time and use the internet to maximize your effort.

Many companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company can provide price quotes based on that data. This system prevents you from having to do quote requests for each company.

To compare pricing click to open in new window.

The one disadvantage to using this type of system is you don’t know exactly the insurers to receive prices from. So if you want to choose specific providers to request quotes from, we have a page of low cost auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but double check that you are using apples-to-apples information for every quote you compare. If you enter different coverage information then you won’t be able to make a fair comparison for your FIAT 500X. Having just a slight variation in coverage limits may cause a big price difference. And when comparison shopping, comparing a large number of companies gives you a better chance of getting a better price. Some regional insurers cannot provide rate quotes online, so it’s important to also get price estimates from them, too.

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Brand name doesn’t guarantee savings

Well-known insurance companies like State Farm, Allstate and Geico endlessly run television and radio advertisements. All the ads tend to make the same promise that you’ll save big if you just switch your coverage. How does every company charge less that you’re paying now? It’s all in the numbers.

Insurance providers require specific criteria for the type of customer that will generate a profit. An example of this type of driver may be a married male, insures multiple vehicles, and chooses high deductibles. Someone that meets those criteria will get low rates and will also save when switching.

Potential customers who don’t meet the requirements may be forced to pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone who quotes” save that much money. That is how insurance companies can confidently advertise the way they do.

This emphasizes why drivers must compare many company’s prices. It is impossible to guess with any certainty which company will have the best premium rates for your profile.

Why your insurance rates might be higher

Many factors are used in the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, but other factors are not as apparent like your continuous coverage or how safe your car is.When buying car insurance it’s important to understand the different types of things that are used to determine car insurance rates. If you know what impacts premium levels, this enables informed choices that may result in big savings.

• Save money by raising deductibles – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Examples of covered claims could be a broken windshield, hitting a deer, or theft. The deductibles you choose state the amount of money you are required to pay in the event of a claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for 500X insurance.
• Always have car insurance – Driving without insurance is illegal and companies may charge more for letting your coverage have a gap. Not only will you pay more, getting caught without coverage can result in a revoked license or a big fine.
• Women pay lower premiums – Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Males and females cause accidents at about the same rate, but the male of the species get into accidents with more damage. In addition to higher claims, males also get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure so they pay the highest premiums.
• Policy add-ons can waste money – Policies have extra coverages that you can get tricked into buying if you aren’t careful. Add-on coverages like personal injury protection, accidental death, and term life insurance are examples of these. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so consider taking them off your policy.
• Experienced drivers are lower risk – Youthful drivers are known to be inattentive and easily distracted when behind the wheel so car insurance rates are higher. Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.
• Having a spouse can save you money – Being married may save some money on your policy. Having a significant other translates into being less irresponsible and statistics show married couples file fewer claims.

Car insurance discounts are available to lower your rates

Car insurance can cost a lot, but discounts can save money and there are some available that can help lower your rates. Most are applied at the time you complete a quote, but some may not be applied and must be specifically requested before you will receive the discount.

• Paperless Signup – A few larger online companies may give you up to $50 get auto insurance digitally online.
• Accident-Free Discounts – Drivers with accident-free driving histories pay much less in comparison to drivers who are more careless.
• Low Mileage Discounts – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
• Discount for Multiple Policies – If you have multiple policies with the same company they may give you a discount of as much as 10 to 15 percent.
• Braking Control Discount – Cars and trucks that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.

Policy discounts save money, but most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

A few of the larger companies and a summarized list of policyholder discounts can be found below.

• American Family offers discounts for defensive driver, air bags, bundled insurance, accident-free, Steer into Savings, TimeAway discount, and mySafetyValet.
• Nationwide has discounts for Farm Bureau membership, family plan, good student, defensive driving, accident-free, anti-theft, and multi-policy.
• MetLife may include discounts for good driver, multi-policy, accident-free, good student, and claim-free.
• 21st Century may offer discounts for homeowners, theft prevention, air bags, automatic seat belts, driver training, and student driver.
• Farmers Insurance offers discounts including homeowner, youthful driver, mature driver, early shopping, electronic funds transfer, bundle discounts, and good student.
• Allstate may have discounts that include auto/life discount, eSmart discount, early signing, 55 and retired, FullPay discount, utility vehicle, and premier plus.

When comparing rates, check with all the companies how many discounts you can get. Discounts might not be offered in your area. For a list of companies offering car insurance discounts, click here.

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Everyone needs different insurance coverages

When it comes to choosing the best insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your insurance needs might need professional guidance.

• Do I need PIP coverage since I have good health insurance?
• Why am I required to buy high-risk coverage?
• Should I get collision insurance on every vehicle?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my state a no-fault state?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I benefit by insuring my home with the same company?
• If my 2017 FIAT 500X is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverage breakdown

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance covers damage to your 500X from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, hitting a mailbox, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your FIAT 500X.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses for surgery, prosthetic devices, X-ray expenses, funeral costs and doctor visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from getting keyed, hail damage and rock chips in glass. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like court costs, attorney fees, bail bonds, structural damage and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

More quotes mean more savings

Cheaper 2017 FIAT 500X insurance is attainable online and also from your neighborhood agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not offer online quoting and many times these regional carriers work with independent insurance agents.

Drivers change insurance companies for any number of reasons including policy cancellation, extreme rates for teen drivers, not issuing a premium refund or lack of trust in their agent. Regardless of your reason, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

As you quote auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice physical damage coverage to discover at claim time that they should have had better coverage. Your goal is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

To learn more, feel free to visit the following helpful articles:

• Booster Seat Ratings (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)

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