How Much Does 2015 FIAT 500e Insurance Cost?

Want the cheapest auto insurance rates for your FIAT 500e? Price shopping your Driversauto insurance is hard for beginners to buying insurance online. With literally dozens of online companies, it can be a difficult situation to find more affordable auto insurance rates.

Cheap insurance coverage rates with discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but some need to be requested specifically prior to receiving the credit.

  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. Ten percent is about the average savings.
  • Mature Driver Discount – Older drivers may qualify for a small discount on rates for 500e coverage.
  • Driver’s Education for Students – Teen drivers should enroll and complete driver’s education as it can save substantially.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
  • ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • First Accident Forgiveness – but a handful of insurance companies will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
  • Fewer Miles Equal More Savings – Driving fewer miles may allow you to get discounted prices on garaged vehicles.
  • Military Deployment Discount – Being deployed in the military could be rewarded with lower rates.
  • Discount for Good Grades – Performing well in school may save as much as 25% on a auto insurance quote. You can use this discount normally up to age 25.
  • Theft Deterent – Cars that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.

It’s important to note that most discounts do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount should help reduce your policy premium.

Larger insurance coverage companies and a selection of discounts can be found below.

  • Travelers offers discounts for student away at school, multi-car, driver training, IntelliDrive, and payment discounts.
  • 21st Century may include discounts for 55 and older, theft prevention, driver training, defensive driver, teen driver, good student, and student driver.
  • State Farm may have discounts that include anti-theft, accident-free, student away at school, safe vehicle, and multiple autos.
  • GEICO offers discounts including anti-theft, multi-policy, military active duty, good student, anti-lock brakes, and federal employee.
  • SAFECO has savings for accident prevention training, teen safe driver, anti-theft, anti-lock brakes, drive less, and multi-car.
  • AAA may offer discounts for education and occupation, good driver, good student, multi-policy, AAA membership discount, pay-in-full, and multi-car.

When comparing rates, check with each insurance company how many discounts you can get. Some discounts listed above may not apply to policyholders in your area.

Which auto insurance is cheapest?

Most of the larger companies provide price estimates online. Comparing prices online is possible for anyone as you just enter the amount of coverage you want into the quote form. After you submit the form their rating system sends out for credit information and your driving record and returns a price quote based on many factors.

Online price estimates makes it easy to compare insurance prices but the time required to go to multiple sites and type in your information is a big time waster. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

The preferred way to locate the lowest prices utilizes a single form that obtains quotes from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes online price comparison much more enjoyable and efficient. After sending the form, it is rated and you are able to buy any of the quotes that you receive.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The entire process takes just a few minutes to complete and may save quite a bit of money.

In order to find out if lower rates are available, click here to open in new window and enter your information. If you have coverage now, it’s recommended you enter the coverage information exactly as they are listed on your policy. Doing this assures you will have a rate comparison using the same coverage and limits.

How your 500e insurance costs are determined

Lots of things are used in the calculation when you get a price on insurance. Some are pretty understandable such as traffic violations, but other criteria are more transparent such as your credit history or your commute time.An important part of buying insurance is that you know some of the things that come into play when calculating your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in better insurance rates.

  • Does insurance cost more for men? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. Now that doesn’t mean females are better at driving than males. Females and males have at-fault accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Not only that, but men also get ticketed for serious violations such as reckless driving.
  • Lower stress equals lower rates – Careers like military personnel, architects and accountants usually pay higher rates than average because of high stress levels and lots of time spent at work. Conversely, occupations such as professors, athletes and homemakers get better rates for 500e coverage.
  • Put fewer miles on your vehicle – Driving a lot of miles in a year the higher your rates will be. Many insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars that do not get driven very much get more affordable rates as compared to vehicles used primarily for driving to work. An incorrectly rated 500e is just wasting money. Verify your insurance policy is showing how each vehicle is driven.
  • Married drivers pay less – Your spouse may save some money when buying insurance. Marriage may mean you are more financially stable and it’s proven that married couples file fewer claims.
  • Poor driving means higher rates – Getting just one moving violation can increase the cost of insurance by twenty percent. Careful drivers get better rates as compared to careless drivers. Drivers unfortunate enough to have dangerous tickets like DUI or reckless driving may be required to file a SR-22 with their state in order to legally drive.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

  • How can I find cheaper teen driver insurance?
  • What exactly is covered by my policy?
  • What is covered by UM/UIM coverage?
  • Is my cargo covered for damage or theft?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Why am I required to get a high-risk car insurance policy?
  • What happens if I owe more than my 2015 FIAT 500e is worth?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance 101

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This 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 damage to your FIAT 500e.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses such as dental work, hospital visits, chiropractic care and nursing services. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

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 might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, court costs, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision coverage covers damage to your 500e resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, hitting a mailbox, hitting a parking meter, damaging your car on a curb and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, damage from flooding, falling objects, vandalism and fire damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Make a quick buck

Drivers who switch companies do it for any number of reasons including policy non-renewal, denial of a claim, extreme rates for teen drivers and even an unsatisfactory settlement offer. No matter why you want to switch, switching companies can be pretty painless.

We’ve covered some good ideas how you can save on 2015 FIAT 500e insurance. The most important thing to understand is the more companies you get car insurance rates for, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from a small mutual company.

Some companies may not have online price quotes and usually these smaller providers only sell through local independent agents. The cheapest 2015 FIAT 500e insurance is possible both online and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

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