2013 FIAT 500e Insurance Cost – 9 Tips to Save

If you are new to online price comparisons, by this point your are probably baffled of insurers who claim to have the best insurance rates.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Locating cheaper protection is not that difficult. But vehicle owners do need to learn how companies compete online and apply this information to your search.

Drivers save money with these nine discounts

Not too many consumers would say auto insurance is affordable, but there’s a good chance there are discounts that may help make it more affordable. A few discounts will be applied when you get a quote, but some need to be manually applied prior to getting the savings.

• Discounts for Responsible Drivers – Insureds without accidents can pay as much as 50% less on 500e insurance than less cautious drivers.
• No Accidents – Drivers who don’t have accidents get the best auto insurance rates in comparison to bad drivers.
• Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote car insurance on 500e insurance with certain companies.
• Telematics Devices – Drivers who agree to allow their auto insurance company to monitor where and when they drive by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as they are good drivers.
• Full Payment Discount – By making one initial payment as opposed to paying monthly you could save up to 5%.
• Multi-car Discount – Insuring multiple vehicles on a single policy may reduce the rate for each vehicle.
• ABS Brakes – Cars that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Driver Training Discounts – Taking a course teaching driver safety skills may get you a small discount depending on where you live.
• Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

Keep in mind that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Some companies that may have most of these discounts may include but are not limited to:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Double check with every company what discounts are available to you. Some discounts might not apply in your state. To see a list of companies that have a full spectrum of discounts, click this link.

The best way to compare insurance rates from multiple companies is to know the fact car insurance companies actually pay money for the chance to provide you with a free rate quote. To get started, all you need to do is provide details like if it has an anti-theft system, if the car is leased, the make and model of your vehicles, and whether the vehicles are used for commuting. Your rating data is then submitted to all major companies and you will receive price estimates almost instantly.

To find the cheapest 2013 FIAT 500e insurance rates, click here and see if a lower rate is available.

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Special considerations

When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help highlight whether you would benefit from an agent’s advice.

• Do I need more liability coverage?
• Am I covered when driving in Canada or Mexico?
• How do I insure my teen driver?
• Will I lose any money if I cancel my policy before it expires?
• What if I don’t agree with a claim settlement offer?
• What are the financial responsibility laws in my state?
• Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.

Can you really save if you switch?

Progressive, Geico, Allstate and State Farm seem to constantly run ads on television and other media. They all seem to tend to make the same promise that you’ll save big if you switch your coverage. Is it even possible that every company can charge lower premium rates? It’s all in the numbers.

All companies quote the lowest rates for the type of driver that is profitable for them. For example, a profitable risk profile could possibly be over the age of 45, has never had a policy lapse, and does not commute to work. Anyone who fits that profile will most likely get cheap premium rates as well as save money with a new company.

Potential insureds who fall outside these stringent criteria will be quoted higher rates and ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can truthfully state the savings.

Because every company is different, you need to compare quotes as often as possible. It’s not possible to predict the company that will give you the biggest savings.

Auto insurance policy specifics

Learning about specific coverages of auto insurance helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, backing into a parked car, crashing into a building, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as repair costs for stationary objects, legal defense fees, medical services, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, surgery, dental work and nursing services. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, damage from a tornado or hurricane and theft. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

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Saving money is sweet as honey

Drivers leave their current company for many reasons like high prices, high rates after DUI convictions, denial of a claim and even policy cancellation. Whatever your reason, finding the right car insurance provider can be less work than you think.

In this article, we covered a lot of tips how to shop for 2013 FIAT 500e insurance online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest auto insurance rates are with a company that doesn’t do a lot of advertising.

Cheap 2013 FIAT 500e insurance can be purchased both online and from local agencies, so you need to quote car insurance with both to have the best rate selection. Some insurance companies do not provide the ability to get quotes online and most of the time these smaller providers sell through independent insurance agents.

To read more, feel free to browse these articles:

• Property Damage Coverage (Liberty Mutual)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)

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