Compare 2013 FIAT 500 Insurance Rates

Pricey FIAT 500 insurance can overdraw your family’s budget and possibly require you to analyze your spending habits. Performing a rate comparison can help to lower your bills every month.

Because there are so many choices, it can be hard to find the best insurer.

The quickest way to compare car insurance rates is to know the trick almost all companies will pay a fee to compare their rates. To get started, all you need to do is provide details including which vehicles you own, whether you have decent credit, if you are currently licensed, and how much school you completed. The rating information is instantly provided to multiple different insurance companies and you get price estimates quickly.

To check 2013 FIAT 500 insurance prices now, click here then complete the form.

Tailor your car insurance coverage to you

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you will benefit from professional help.

  • What can I do if my company denied a claim?
  • Should I rate my 2013 FIAT 500 as pleasure use or commute?
  • Is my teen driver covered when they drive my company car?
  • What companies insure drivers after a DUI or DWI?
  • Do I have coverage if my license is suspended?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

What car insurance coverages do you need?

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like X-ray expenses, nursing services, EMT expenses, funeral costs and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your FIAT 500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

Collision insurance will pay to fix damage to your 500 caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like legal defense fees, attorney fees, repair bills for other people’s vehicles, medical services and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.