Save on 2016 FIAT 500 Insurance Quotes

Want cheaper insurance rates for your FIAT 500? Trying to find cheaper insurance for a new or used FIAT 500 could be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to shop for insurance and you need to know the proper way to quote coverages for a FIAT and locate the best price possible from both online companies and local agents.

Car insurance quotes comparison

Getting cheap 2016 FIAT 500 car insurance pricing is not rocket science. All you need to do is invest a few minutes comparing price quotes to see which company has low cost car insurance quotes. This can easily be done in several different ways.

  1. One of the fastest ways to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating a different quote for each company you want a rate for. Taking the time to complete one form will return quotes from all major companies. It’s the fastest way to compare.
  2. A slightly less efficient method to find better pricing consists of visiting each company’s website and fill out a new quote form. For instance, let’s say you want to compare prices for Progressive, Esurance and State Farm. You would be required to spend time going to each site individually and repeatedly type in your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

Whichever method you choose, double check that you are using the same quote data for each quote you get. If you use mixed coverages it will be very difficult to determine which rate is truly the best.

You are unique and your car insurance should be too

When buying coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions may help highlight whether you may require specific advice.

  • Is my cargo covered for damage or theft?
  • Can I get a multi-policy discount?
  • What is the ISO rating for a 2016 FIAT 500?
  • When would I need additional glass coverage?
  • How can I get high-risk coverage after a DUI?
  • Which is better, split liability limits or combined limits?
  • Does my personal policy cover me when driving out-of-state?
  • Should I get collision insurance on every vehicle?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages for a 2016 FIAT 500

Knowing the specifics of a car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring.

Collision – Collision insurance covers damage to your 500 resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses like rehabilitation expenses, EMT expenses, dental work, chiropractic care and pain medications. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, 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 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, medical expenses, loss of income, emergency aid and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, hitting a deer and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your FIAT 500.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.