Cheaper 2014 FIAT 500L Car Insurance Rates

Are you burned out from being strong-armed to insure your FIAT every month? You are no different than many other drivers. Multiple auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to get the best rate

If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to understand the most efficient way to compare prices on the web.

Components of your FIAT 500L insurance prices

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for insurance. If you understand what determines premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.

  • Your address can modify price – Being located in a rural area may provide you with better prices if you are looking for the lowest rates. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. City drivers tend to have traffic congestion and more severe claims. Higher commute times means a statistically higher chance of an accident.
  • Use one insurance company and save – Most insurance companies provide lower prices for people who buy several policies from them such as combining an auto and homeowners policy. The amount of the discounts can be 10 percent or more. Even with this discount applied, you may still want to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by buying insurance from more than one company.
  • Prices for guys may be higher – The statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better at driving than males. They both cause fender benders in similar percentages, but the male of the species have costlier accidents. Not only that, but men also receive more costly citations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and are penalized with high insurance rates.
  • Having a spouse can save on insurance – Having a spouse can actually save you money when shopping for insurance. Marriage generally demonstrates drivers are more financially stable and it’s statistically proven that drivers who are married are more cautious.
  • Experienced drivers pay less – Teen drivers are known to be inattentive with other occupants in the car so they pay higher insurance rates. Mature drivers are viewed as being more responsible, cost insurance companies less in claims , and usually have better credit.

Insurance coverage quotes and discounts

Insurance coverage is not an enjoyable expense, but you might already qualify for some discounts that you may not know about. A few discounts will be applied at the time of purchase, but less common discounts must be asked for in order for you to get them.

  • Save with More Vehicles Insured – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Accident-Free Discounts – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote as opposed to insureds who have frequent claims or accidents.
  • Telematics Data Discounts – Drivers who agree to allow their company to scrutinize driving patterns remotely such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will qualify for a discount on a insurance quote.
  • Driver Training Discounts – Taking a course teaching driver safety skills may get you a small discount if you qualify.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Clubs and Organizations – Joining a qualifying organization could qualify you for a break on your policy.

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way.

Auto insurance companies that may offer quotes with many of the previously listed discounts are:

If you need lower rates, check with each insurance company the best way to save money. Some discounts may not be offered in your area. If you would like to see a list of insurers that can offer you the previously mentioned discounts, click this link.

Situations that may require an agent’s advice

When buying the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • How much liability do I need to cover my assets?
  • I have a DUI can I still get coverage?
  • Am I covered when driving in Canada or Mexico?
  • Do I need replacement cost coverage on my 2014 FIAT 500L?
  • Which companies will insure high-risk drivers?
  • Do I benefit by insuring my home with the same company?
  • What is PIP insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Detailed coverages of your insurance policy

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from flooding and hitting a deer. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses like dental work, X-ray expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your FIAT 500L.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.

Liability coverage

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

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 liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as medical services, funeral expenses, pain and suffering and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, driving through your garage door, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Make a quick buck

More affordable car insurance is available from both online companies and from local insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some car insurance companies do not provide online price quotes and usually these regional insurance providers work with local independent agencies.

You just read a lot of information how to save on 2014 FIAT 500L insurance. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with some of the smallest insurance companies. They may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or GEICO.

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