Lower Your 2015 FIAT 500e Insurance Rates

Trying to find cheaper insurance rates for your FIAT 500e? I can’t think of a single person who fancies paying their premiums for insurance, especially when they know they could lower their rates if they shopped around. Numerous insurers battle for your hard-earned dollar, so it’s not easy to compare every provider and get the best coverage at the lowest rate

You need to do price comparisons quite often since insurance prices are rarely the same from one policy term to another. Just because you had the best quotes for 500e insurance at your last renewal you can probably find a better rate now. There is a lot of bad information regarding insurance online but by reading this article, you’re going to learn some good information on how to find cheap insurance.

Quote auto insurance online

Getting a more affordable price on 2015 FIAT 500e insurance doesn’t have to be difficult. Just invest a little time to get quotes online from several insurance companies. Rate comparisons can be done using one of these methods.

  1. If you’re in a hurry, the quickest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for multiple quote forms for each company. One quote request gets you coverage quotes from several companies.
  2. A more difficult way to analyze rates requires a trip to each individual company website to complete a price quote. For example, we’ll pretend you want to compare prices for Nationwide, Liberty Mutual and GEICO. To get each rate you have to spend time going to each site individually and repeatedly enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

Whichever method you choose, be sure you’re using nearly identical quote information on every price quote you get. If you enter different limits and deductibles on each one it will be nearly impossible to make a fair rate comparison.

Discount auto insurance quotes

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but a few must be manually applied in order for you to get them.

  • Defensive Driver Discounts – Taking part in a course that instructs on driving safety could cut 5% off your bill and make you a better driver.
  • Accident-Free Discounts – Drivers who stay claim-free have much lower rates when compared to accident-prone drivers.
  • Early Signing – A few insurance companies give discounts for switching to them before your current coverage expires. You could save around 10% when you buy insurance online.
  • Club Memberships – Participating in a qualifying organization is a good way to get lower rates on your next renewal.
  • Data Collection Discounts – Drivers that enable driving data collection to spy on when and where they use their vehicle remotely such as State Farm’s In-Drive could possibly reduce rates if their driving habits are good.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

Large auto insurance companies and some of the discounts include:

  • State Farm may have discounts that include anti-theft, passive restraint, Drive Safe & Save, defensive driving training, multiple policy, Steer Clear safe driver discount, and multiple autos.
  • GEICO offers discounts including air bags, military active duty, seat belt use, multi-policy, emergency military deployment, and five-year accident-free.
  • SAFECO policyholders can earn discounts including teen safe driver, anti-lock brakes, safe driver, multi-car, bundle discounts, anti-theft, and homeowner.
  • Farmers Insurance discounts include switch companies, youthful driver, homeowner, distant student, alternative fuel, good student, and pay in full.
  • AAA has savings for multi-car, multi-policy, good driver, anti-theft, good student, and education and occupation.
  • USAA offers premium reductions for driver training, new vehicle, family discount, military installation, defensive driver, and multi-policy.

If you need cheaper insurance quotes, ask each company which discounts you qualify for. Some of the discounts discussed earlier might not be offered in every state.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out whether your personal situation might need professional guidance.

  • When would I need rental car insurance?
  • What is PIP insurance?
  • How much can I save by bundling my policies?
  • What is roadside assistance coverage?
  • Am I covered when driving someone else’s vehicle?
  • What is UM/UIM insurance?
  • Is pleasure use cheaper than using my 2015 FIAT 500e to commute?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

What affects FIAT 500e insurance costs?

Lots of things are part of the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving record, although some other factors are more obscure like your continuous coverage or your financial responsibility.

  • Occupation stress can affect rates – Did you know your auto insurance rates can be affected by your occupation? Occupations such as judges, social workers and dentists usually pay higher rates than average due to stressful work requirements and extremely grueling work hours. On the flip side, careers such as farmers, historians and the unemployed generally pay rates lower than average for 500e insurance.
  • Annual mileage and car insurance prices – The more you drive your FIAT every year the more you’ll pay to insure your vehicle. A lot of insurance companies calculate rates determined by how the vehicle is used. Cars and trucks that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. It’s always a good idea to double check that your vehicle rating is showing how each vehicle is driven. A policy that improperly rates your 500e is throwing money out the window.
  • How credit rating affects auto insurance costs – Your credit score is a big factor in determining premium rates. If your credit rating is low, you could potentially save money when insuring your 2015 FIAT 500e if you clean up your credit. Drivers with excellent credit scores tend to be more responsible than drivers with poor credit scores.
  • Driver age impacts prices – More mature drivers are more responsible, tend to file fewer claims , and are generally more financially stable.Inexperience drivers are statistically shown to be careless and easily distracted in a vehicle so auto insurance rates are higher.
  • Consolidate and save – Most major insurers give better rates to customers that buy multiple policies. It’s known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even with this discount, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible.
  • Better auto insurance rates for continuous auto insurance coverage – Having an insurance coverage lapse can be a quick way to pay more for auto insurance. And not only will your rates increase, the inability to provide proof of insurance might get you a steep fine or even jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Car insurance policy specifics

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by car insurance companies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your FIAT 500e.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for things like EMT expenses, funeral costs, rehabilitation expenses and prosthetic devices. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, hail damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability car insurance

This protects you from damages or injuries you inflict on people or other property that is your fault. This insurance 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 per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as medical services, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

A tidy conclusion

Budget-friendly insurance coverage is attainable from both online companies as well as from insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies prefer to sell through local independent agencies.

In this article, we covered many tips how you can save on 2015 FIAT 500e insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest prices come from an unexpected company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. There have been many cases where someone dropped full coverage and learned later they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

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