Save on 2015 FIAT 500L Car Insurance Quotes

Want lower auto insurance rates for your FIAT 500L? If you’re searching for lower-cost insurance online, are you frustrated by the sheer number of auto insurance sources in your area? Many other people are too. Drivers have so many sources available that it is a chore to find the lowest price.

Consumers need to compare prices at least once a year since insurance prices change quite often. Even if you got the best deal for 500L coverage a year ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to quote online to reduce your cost while increasing coverage.

This information will teach you the most effective way to quote insurance and some tips to save money. If you have car insurance now, you will be able to reduce your rates substantially using these tips. Nevertheless, drivers must comprehend the way insurance companies determine prices and use this information to your advantage.

Affordable insurance coverage rate quotes

There are a lot of ways to compare insurance coverage quotes, but there is one way that is more efficient than others. You could spend the better part of a day talking to agents in your area, or you can utilize online quotes to quickly compare rates.

Most of the best insurance companies participate in a marketplace where prospective buyers submit their information once, and at least one company returns a rated price for coverage. This eliminates the need for quote forms for every insurance coverage company.

To find out how much you can save on insurance coverage click here (opens in new window).

The only downside to using this type of system is you can’t choose the companies to get pricing from. If you prefer to choose individual companies to compare rates, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

How you compare quotes is your choice, just be sure to compare the exact same coverages and limits for every company. If the quotes have different coverage information it will be nearly impossible to make a fair comparison for your FIAT 500L. Just a small difference in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, making a lot of price comparisons helps improve the odds of finding a better price.

Discount car insurance quotes

Insurance can be prohibitively expensive, but you might be missing out on some discounts that you may not even know about. Many discounts should be triggered at quote time, but some must be requested specifically in order for you to get them.

  • Payment Method – By paying your entire bill at once instead of paying each month you could save 5% or more.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a simple method to lower premiums on your next car insurance statement.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
  • No Claims – Drivers who stay claim-free pay much less as opposed to frequent claim filers.
  • Online Discount – A few larger online companies will provide an incentive for buying your policy on the internet.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a discount if you purchase some life insurance too.
  • Student in College – who live away from home to go to college and leave their car at home can receive lower rates.
  • Good Students Pay Less – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
  • Own a Home and Save – Simply owning a home can save a few bucks since owning and maintaining a home is proof that your finances are in order.

Policy discounts save money, but many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, nobody gets a free ride.

A list of companies and a partial list of their discounts are shown below.

  • AAA may have discounts that include good student, education and occupation, multi-car, anti-theft, and AAA membership discount.
  • Progressive offers discounts including online quote discount, good student, continuous coverage, multi-vehicle, homeowner, multi-policy, and online signing.
  • State Farm offers discounts for good student, good driver, safe vehicle, Steer Clear safe driver discount, and driver’s education.
  • Esurance may offer discounts for good student, DriveSense, multi-car, online shopper, renters, and online quote.
  • Nationwide discounts include accident-free, Farm Bureau membership, business or organization, anti-theft, and defensive driving.

Check with every prospective company which discounts you qualify for. Savings might not be offered everywhere. To see car insurance companies that offer discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions can aid in determining whether your personal situation might need professional guidance.

  • Can I afford to pay high deductible claims out of pocket?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How can I find cheaper teen driver insurance?
  • When do I need to add a new car to my policy?
  • Should I rate my 2015 FIAT 500L as pleasure use or commute?
  • Why do I need rental car insurance?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Components of your FIAT 500L insurance premiums

Many factors are used in the calculation when quoting car insurance. Some factors are common sense such as your driving history, but others are more obscure like your vehicle usage and annual miles driven.It’s important that you understand the rating factors that aid in calculating your insurance rates. If you understand what determines premiums, this helps enable you to make changes that may reward you with better insurance rates.

  • Pay more out-of-pocket – Your deductibles are how much the insured will be required to pay before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are a windshield broken by a bird, collision with a deer, or theft of your vehicle. The higher the amount the insured is willing to pay, the lower your rates will be for 500L coverage.
  • Add-on coverages that may not be needed – There are many additional extra coverages that you can get tricked into buying on your 500L policy. Add-on coverages like coverage for rental cars, towing, and membership fees may be wasting your money. These may sound like a good investment when discussing your needs, but if you don’t need them get rid of them and save.
  • Drive less and get lower costs – The higher the mileage driven each year the more it will cost to insure it. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that have high annual mileage. Incorrect rating for your 500L can result in significantly higher rates. Ask your agent if your policy reflects the proper vehicle usage.
  • Cheaper to insure gals? – Statistics have proven females are less aggressive when driving. This data doesn’t prove that men are WORSE drivers than women. Men and women cause at-fault accidents in similar numbers, but men have accidents that have higher claims. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • More traffic equals higher premiums – Residing in a rural area can be a good thing when it comes to insurance. Drivers in populated areas regularly have congested traffic and more severe claims. Less people translates into fewer accident claims.
  • Does your vocation raise your rates? – Did you know your job can affect your rates? Occupations like lawyers, architects and emergency personnel tend to have higher average rates attributed to intense work situations and lots of time spent at work. Other careers like scientists, historians and the unemployed pay the least for 500L coverage.
  • Vehicle features impact premiums – Selecting a car model with an alarm system can save you a little every year. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your vehicle from being stolen.
  • Less chance of injury means lower prices – Safe vehicles tend to have lower insurance rates. Vehicles engineered for safety reduce occupant injuries and fewer injuries translates directly to fewer claims and thus lower rates. If your FIAT 500L earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Truth in insurance advertising

Insurance providers like State Farm, GEICO and Progressive seem to constantly run ads in print and on television. They all seem to seem to make the promise that you can save if you change your coverage. How does every insurance company make almost identical claims? This is the trick they use.

Companies have specific guidelines for the type of insured that earns them the highest profit. For instance, a driver they prefer might be between the ages of 30 and 45, is a homeowner, and drives less than 7,500 miles a year. Any person that meets those criteria will get the preferred rates and will probably cut their rates if they switch.

People who may not quite match the requirements will get higher prices which leads to business going elsewhere. The trick companies use is to say “people that switch” not “everyone who quotes” can save as much as they claim. This is how insurance companies can make the claims of big savings.

This really emphasizes why drivers must compare many company’s premium rates. It is just not possible to predict the company that will be your best fit.

Insurance coverage options for a 2015 FIAT 500L

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses such as EMT expenses, funeral costs, surgery, nursing services and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your 500L caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a parking meter, driving through your garage door, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your FIAT 500L.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Liability coverages – This coverage will cover damage that occurs to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as legal defense fees, loss of income, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive auto coverage – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, damage from getting keyed, hitting a deer, damage from a tornado or hurricane and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

In Summary

Some insurance companies may not have the ability to get quotes online and most of the time these smaller providers work with local independent agencies. More affordable insurance coverage is available both online and from local insurance agents, and you should compare price quotes from both to have the best selection.

When you buy auto insurance online, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed full coverage only to regret at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

In this article, we presented a lot of information how to lower your 2015 FIAT 500L insurance premium rates. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a small mutual company.

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