2017 FIAT 124 Spider Insurance Quotes – 5 Savings Tips

Sick and tired of not being able to scrape enough together to pay your insurance coverage bill each month? You have the same problem as many other consumers.

With so many companies to choose from, it can be hard to locate a lower cost company.

It’s smart to take a look at other company’s rates at least once a year due to the fact that insurance prices change regularly. Just because you had the best rate on 124 Spider coverage at your last renewal you can probably find a lower rate today. Ignore everything you know about insurance coverage because it’s time to teach you how to use the internet to find lower rates on insurance coverage.

Buying car insurance is not that difficult. If you currently have car insurance, you should be able to save some money using this information. Nevertheless, consumers must comprehend the methods companies use to price insurance differently.

You may qualify for discounts

Insurance is neither fun to buy or cheap, but there may be some discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but some must be requested specifically before being credited.

  • Low Mileage Discounts – Low mileage vehicles could qualify for slightly better insurancerates than normal.
  • Online Discount – Some insurance companies may give you up to $50 for buying your policy on your computer.
  • Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems may get savings up to 30%.
  • Service Members Pay Less – Having an actively deployed family member could mean lower rates.
  • Student Driver Training – Require your teen driver to enroll in driver’s education as it can save substantially.

You should keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, nobody gets a free ride.

Large insurance companies and a partial list of their discounts are:

  • State Farm policyholders can earn discounts including good student, defensive driving training, Drive Safe & Save, student away at school, multiple policy, Steer Clear safe driver discount, and safe vehicle.
  • Farmers Insurance offers discounts for youthful driver, multi-car, switch companies, good student, pay in full, homeowner, and business and professional.
  • Progressive offers discounts including multi-policy, good student, continuous coverage, multi-vehicle, homeowner, and online signing.
  • GEICO includes discounts for five-year accident-free, multi-policy, military active duty, good student, and emergency military deployment.
  • Auto-Owners Insurance has discounts for anti-theft, paperless, group or association, company car, paid in full, good student, and safe vehicle.
  • The Hartford may have discounts that include good student, vehicle fuel type, air bag, defensive driver, driver training, and anti-theft.
  • Farm Bureau may offer discounts for multi-policy, good student, safe driver, 55 and retired, renewal discount, and multi-vehicle.
  • USAA may include discounts for vehicle storage, family discount, loyalty savings, multi-policy, and safe driver.

Before purchasing a policy, check with all the companies the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in every state. To see insurance companies with the best insurance discounts, click here.

Save $443 a year. For real?

Well-known insurance companies like Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. All the companies make an identical promise that you can save just by switching to them. How does every company make almost identical claims? It’s all in the wording.

Most companies quote the lowest rates for the driver that will add to their bottom line. For instance, a driver they prefer could be between the ages of 30 and 50, has a clear driving record, and does not commute to work. Someone who fits those characteristics receive the lowest rate quotes and will also save money with a new company.

Drivers who are not a match for these stringent criteria will be quoted higher prices with the end result being the customer buying from a different company. The ads say “customers who switch” not “all people who quote” save that much. That’s why insurance companies can lure you into getting a quote. Because of these techniques, drivers must do a quote comparison often. It’s just not possible to know which insurance company will have the best rates.

There’s no such thing as the perfect insurance policy

When choosing the right insurance coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Should I get collision insurance on every vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if hit by an uninsured driver?
  • Should I sign the liability waiver when renting a car?
  • Will filing a claim cost me more?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Having a good grasp of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers things such as theft, hitting a deer, hail damage, hitting a bird and fire damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

Collision coverage pays for damage to your 124 Spider from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people, 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 values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, court costs, funeral expenses, medical services and emergency aid. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like surgery, chiropractic care, rehabilitation expenses and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your FIAT 124 Spider.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Buy online or local, you save

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. In many cases, someone dropped collision coverage and learned later that the few dollars in savings costed them thousands. The goal is to buy enough coverage for the lowest cost while still protecting your assets.

Lower-priced 2017 FIAT 124 Spider insurance can be sourced online and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some companies may not provide online rate quotes and usually these regional insurance providers sell through independent agencies.

In this article, we covered a lot of ways to save on 2017 FIAT 124 Spider insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable insurance coverage. You may even find the most savings is with a small local company. They may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate, GEICO and Progressive.

Much more information about insurance is located at these links: