Cheap 2013 FIAT 500e Insurance Cost

Trying to find better insurance rates for your FIAT 500e? Overpriced FIAT 500e insurance can deplete your budget and force you to cut corners elsewhere. Doing a rate analysis is a smart way to slash your bill and have more diposable income.

Big-name insurance companies like GEICO, Progressive and Allstate persitently shower you with ads and it is difficult to ignore the flashy ads and find the best price available.

How to buy insurance

Most larger insurance companies make it easy to get price estimates direct online. This process doesn’t take much effort because you just enter your personal and coverage information into the form. After the form is submitted, their rating system collects credit information and your driving record and generates a price based on the information you submitted. Being able to quote online simplifies rate comparisons, but the process of having to visit multiple sites and type in your information can get tiresome after awhile. But it’s very important to perform this step if you are searching for a lower rate.

The preferred way to find better insurance pricing is to use a quote form to get prices from multiple companies. It saves time, requires less work, and makes online quotes much easier to do. After sending your information, it is rated and you can choose any one of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The whole process can be completed in a matter of minutes and may result in a nice savings.

If you want to get comparison pricing now, click here to open in new window and fill out the form. To compare your current rates, we recommend you type in the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you will be getting rate comparison quotes for exact coverage.

Do I need special coverages?

When it comes to buying coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

  • What if I don’t agree with a claim settlement offer?
  • Do I need replacement cost coverage?
  • Which is better, split liability limits or combined limits?
  • What is the minimum liability in my state?
  • Which companies will insure high-risk drivers?
  • Why is insurance for a teen driver so high?
  • Am I covered if I hit a deer?
  • What if I total my 2013 FIAT 500e and owe more than it’s worth?
  • Is my 2013 FIAT 500e covered for flood damage?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage options for a FIAT 500e

Having a good grasp of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover 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 policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, bail bonds and funeral expenses. How much coverage you buy is your choice, but consider buying as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your 500e from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as nursing services, pain medications, X-ray expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your FIAT 500e.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.