2016 FIAT 500e Car Insurance Quotes

No car owner likes buying car insurance, in particular when the cost is too high.

Having so many choices, it’s difficult to pick the best company.

How to find cheap auto insurance

Shopping for lower auto insurance rates can take hours if you don’t utilize the fastest way to get free quotes. You can spend your afternoon talking about coverages with agents in your area, or you can utilize online quoting to get rates in a matter of minutes.

Most car insurance companies participate in an industry program that allows shoppers to enter their policy data once, and every company returns a rated price. This prevents consumers from doing quote requests for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to using this type of system is that consumers can’t choose which carriers to get quotes from. So if you prefer to pick individual companies to receive pricing from, we have a listing of low cost auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but be sure to compare the same coverage information on every quote. If you enter different deductibles you will not be able to make a fair comparison for your FIAT 500e. Just slight variations in coverage limits can mean a large discrepancy in price. Just keep in mind that comparing a wide range of rates helps you find a lower rate.

Save with these discounts

Auto insurance companies don’t necessarily list every policy discount very clearly, so the list below gives a summary of both well-publicized and also the lesser-known ways to save on insurance coverage. If they aren’t giving you every credit you qualify for, you could be saving more on your insurance coverage.

  • Telematics Discount – Drivers who agree to allow data collection to scrutinize where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as the data is positive.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving could save 15% on medical payment and PIP coverage.
  • Multiple Vehicles – Having primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
  • Theft Deterent System – Cars and trucks with anti-theft systems help deter theft and can earn a small discount on your policy.
  • Claim Free – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
  • Passenger Safety Discount – Options like air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Good Student Discount – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students well after school through age 25.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Discounts for Good Drivers – Safe drivers could pay up to 40% less for 500e coverage than less cautious drivers.

Drivers should understand that some of the credits will not apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, you won’t be that lucky.

A list of insurance coverage companies and their possible discounts include:

  • Progressive may include discounts for continuous coverage, multi-policy, online quote discount, good student, homeowner, and online signing.
  • GEICO offers discounts including daytime running lights, seat belt use, emergency military deployment, defensive driver, good student, five-year accident-free, and driver training.
  • State Farm may have discounts that include multiple autos, good student, student away at school, accident-free, passive restraint, and safe vehicle.
  • Esurance has savings for anti-theft, claim free, paid-in-full, homeowner, and multi-policy.
  • The Hartford includes discounts for good student, air bag, defensive driver, vehicle fuel type, and anti-theft.

Before buying, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered everywhere. If you would like to see a list of insurance coverage companies who offer insurance coverage discounts, click here to view.

Learn how to lower your insurance costs

Lots of things are taken into consideration when you get your auto insurance bill. Some are obvious like your driving record, but others are more transparent such as whether you are married or your financial responsibility.Consumers need to have an understanding of a few of the rating criteria that are used to determine your premiums. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The following are some of the items utilized by car insurance companies to help set your premiums.

  • Always keep your auto insurance policy in force – Allowing your coverage to lapse can be a fast way to increase your rates. Not only will rates go up, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Eliminate unneeded extra coverages – There are a ton of optional add-on coverages that may not really be needed but may not be useful. Things like rental car coverage, accident forgiveness, and additional equipment coverage are some examples. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.
  • Single drivers take more risk – Having a wife or husband can get you a discount compared to being single. It is viewed as being less irresponsible and insurance companies like that married couples file fewer claims.
  • Gender and auto insurance – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both are responsible for accidents in similar numbers, but males tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • Pay more of a claim out-of-pocket – Your deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of covered claims could be colliding with a stationary object, hail damage, and damage caused by road hazards. The more the insured has to pay upfront, the lower your rates will be for 500e coverage.
  • Deter theft and pay less – Driving a car with a theft deterrent system can help lower your rates. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all hinder auto theft.
  • How many coverages with the same company – The majority of insurers apply better rates to insureds who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount, you may still want to comparison shop to confirm you are receiving the best rates possible.

Special considerations

When it comes to choosing the best auto insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Does my policy cover my teen driver if they drive my company car?
  • Why am I required to buy liability insurance?
  • Am I covered when driving someone else’s vehicle?
  • What can I do if my company denied a claim?
  • Should I get collision insurance on every vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Does my insurance cover my expensive audio equipment?
  • Can I still get insurance after a DUI?
  • Is my trailer covered?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage specifics

Having a good grasp of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses such as ambulance fees, prosthetic devices and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your FIAT 500e.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverages – This coverage will pay to fix damage to your 500e resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, backing into a parked car, sideswiping another vehicle, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, vandalism, hitting a deer and theft. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability – Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as loss of income, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Coverage on a shoestring budget

Lower-priced auto insurance is possible on the web in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not have the ability to get a quote online and usually these regional carriers work with independent insurance agents.

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where drivers have reduced liability coverage limits only to regret at claim time that it was a big mistake. The ultimate goal is to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

In this article, we presented some good ideas how to reduce 2016 FIAT 500e insurance prices online. It’s most important to understand that the more you quote insurance coverage, the better likelihood of getting cheap insurance coverage. You may even discover the best prices are with a lesser-known regional company. Smaller companies often have lower rates on specific markets compared to the large companies like State Farm and Allstate.

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