Cheap 2017 FIAT 500 Insurance Quotes

Comparison shopping for more affordable insurance may be slightly frustrating for beginners to quoting and comparing prices online. There are so many options available that it can easily become a big hassle to compare rates.

It’s a good habit to get comparison quotes every six months because prices are usually higher with each renewal. Despite the fact that you may have had the best deal for 500 insurance a year ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re going to learn the fastest and easiest way to remove unneeded coverages and save money.

How to compare car insurance rate quotes

Most larger insurance companies allow consumers to get prices for coverage direct online. Getting quotes is very simple as you just type in your coverage information as requested by the quote form. Upon sending the form, their quoting system will obtain your credit score and driving record and returns pricing information.

Quoting online makes comparing rates easy, but the process of having to visit different websites and type in the same data is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes if you want to get the lowest possible prices on car insurance.

The easy way to compare rates

A more efficient way to find better car insurance pricing requires only one form that gets price quotes from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much more efficient. Once the form is submitted, it gets priced and you can choose any or none of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process can be completed in a matter of minutes and may save quite a bit of money.

In order to find out how much you can save on car insurance, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you type in the coverages just like they are on your policy. This ensures you will have a price comparison using the exact same coverages.

Cheaper insurance rates with discounts

Car insurance companies do not list their entire list of discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized as well as some of the hidden ways to save on insurance.

Multi-line Discount – Larger companies have better prices if you take out auto and life insurance together.
Defensive Driver Discount – Taking part in a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
Homeowners Pay Less – Simply owning a home can save a few bucks since home ownership demonstrates responsibility.
Payment Method – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
Multiple Policy Discount – If you can bundle your auto and home insurance with the same insurance company you may save over 10 percent off each policy depending on the company.
Active Military Service – Being on active deployment in the military could mean lower insurance rates.

One last thing about discounts, most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Popular insurance companies and some of the discounts are outlined below.

21st Century discounts include defensive driver, good student, teen driver, student driver, theft prevention, and automatic seat belts.
Progressive offers premium reductions for continuous coverage, multi-vehicle, online signing, good student, online quote discount, multi-policy, and homeowner.
State Farm may offer discounts for driver’s education, multiple policy, accident-free, safe vehicle, multiple autos, Drive Safe & Save, and anti-theft.
Nationwide has discounts for multi-policy, defensive driving, good student, Farm Bureau membership, business or organization, and accident-free.
Esurance includes discounts for defensive driver, online quote, anti-theft, multi-policy, and safety device.
The Hartford has savings for anti-theft, good student, defensive driver, driver training, and air bag.

If you need affordable auto insurance quotes, ask every prospective company which discounts you qualify for. All car insurance discounts may not apply to policies in your area. To see a list of insurers offering insurance discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions can help discover if you will benefit from professional help.

Am I covered if I wreck a rental car?
If my pet gets injured in an accident are they covered?
If my 2017 FIAT 500 is totaled, can I afford another vehicle?
Do I need more liability coverage?
I have good health insurance, so how much medical payments coverage do I need?
Do I pay less if my vehicle is kept in my garage?
How can I force my company to pay a claim?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your FIAT 500.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance 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 claims such as fire damage, a tree branch falling on your vehicle, hitting a bird, hail damage and a broken windshield. 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.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, hitting a mailbox 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 older. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as nursing services, X-ray expenses and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Coverage for liability

This can cover damage or injury you incur to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as court costs, repair bills for other people’s vehicles, bail bonds, medical services and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.