2018 FIAT 124 Spider Insurance Cost

Searching for cheaper auto insurance rates for your FIAT 124 Spider? Car owners who just recently started comparison shopping online could find buying cheaper auto insurance is harder than it needs to be.

Buy auto insurance online

To get cheap auto insurance quotes, there a variety of ways to compare rate quotes from many auto insurance companies in your state. One of the best ways to find the cheapest 2018 FIAT 124 Spider insurance rates is to perform an online rate comparison. This can be accomplished by using one of the methods below.

If you’re in a hurry, the quickest way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This quick form eliminates the need for separate forms for each company. Just one form gets you coverage quotes from all major companies.It’s the quickest way to get rates.

A more time consuming way to shop for auto insurance online consists of going to each company’s website and fill out their own quote form. For sake of this example, we’ll pretend you want to get rates from Allstate, State Farm and American Family. You would have to go to every website to enter your coverage information, which can take a lot of time. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but do your best to enter equivalent quote information for each quote you get. If your comparisons have different coverage information it will be impossible to determine the best price for your FIAT 124 Spider. Just a small difference in coverage limits could mean much higher rates. It’s important to know that obtaining a wide range of quotes increases your odds of finding the best rates. Some smaller insurers to not give online quotes, so it’s important to also get prices from them, too.

These discounts can slash insurance rates

Insurance is neither fun to buy or cheap, but you may be missing some discounts that may help make it more affordable. Many discounts should be triggered at the time you complete a quote, but some need to be requested specifically prior to getting the savings. If you aren’t receiving every discount available, you are throwing money away.

Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy a life policy as well.
Club Memberships – Being in specific professional or occupational memberships or organizations may earn a discount on your next insurance statement.
Active Military Service – Being deployed in the military could be rewarded with lower rates.
Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course in high school.
E-sign – Many insurance companies may give you up to $50 for buying your policy on your computer.
Multiple Cars – Buying insurance for primary and secondary vehicles with the same insurance company may reduce the rate for each vehicle.
Anti-theft Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more.
Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
Good Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less on 124 Spider insurance than less cautious drivers.
Full Payment Discount – By paying your policy upfront rather than paying monthly you could save up to 5%.

Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business. But all discounts will reduce the cost of your policy.

To see insurance companies offering insurance discounts, follow this link.

When do I need an agent’s advice?

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

Am I covered by my employer’s commercial auto policy when driving my personal car for business?
What is covered by UM/UIM coverage?
Are there companies who specialize in insuring high-risk drivers?
Can I get a multi-policy discount?
If I drive on a suspended license am I covered?
Is pleasure use cheaper than using my 2018 FIAT 124 Spider to commute?
Exactly who is provided coverage by my policy?
Can I rent a car in Mexico?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, attorney fees, loss of income, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, pain medications, nursing services and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

Collision coverage will pay to fix damage to your 124 Spider resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your FIAT 124 Spider.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.