2016 FIAT 500L Car Insurance Quotes

Trying to find better car insurance rates for your FIAT 500L? Searching for discount car insurance on the web may be challenging for beginners to shopping for insurance on the web. With so many insurance agents and online companies, how can consumers have a chance to compare every one to find the best available price?

Finding the best rates is not rocket science. Basically, every vehicle owner who is required by state law to have insurance coverage most likely will be able to reduce their rates. But vehicle owners should learn the way companies determine prices and apply this information to your search.

Pay discount rates with these discounts

Car insurance is not cheap, but companies offer discounts that can dramatically reduce your bill. Certain discounts will be applied when you purchase, but a few must be asked for before they will apply.

  • Defensive Driving Course – Taking time to complete a course in defensive driver is a good idea and can lower rates if your company offers it.
  • 55 and Retired – If you’re over the age of 55, you can get reduced rates for 500L insurance.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Drivers Education – Have your child take driver’s ed class as it can save substantially.
  • Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
  • Military Deployment Discount – Being deployed in the military could mean lower car insurance rates.
  • Multi-Vehicle Discounts – Buying coverage for multiple cars with one company may reduce the rate for each vehicle.
  • Discount for Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
  • Accident Forgiveness – This one is not really a discount per se, but companies like Allstate and GEICO allow you one accident without the usual rate increase if your claims history is clear for a certain period of time.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

To see providers with significant discounts, follow this link.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help highlight if your situation would benefit from professional advice.

  • Do I have coverage if my license is suspended?
  • Does coverage extend to my business vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Are my friends covered when driving my car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is no-fault insurance?
  • Why is insurance for a teen driver so high?
  • How high should my medical payments coverage be?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Misconceptions in insurance coverage advertisements

Insurance coverage companies such as GEICO, State Farm and Progressive constantly bombard you with television, radio, and online ads. All the ads seem to make the promise of big savings just by moving to them. How is it possible that every company can lower your prices? This is the trick they use.

Insurance companies are able to cherry pick for the driver they prefer to insure. A good example of a profitable insured might be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. A customer getting a price quote that matches those criteria gets the lowest car insurance rates and will save a lot of money.

Drivers who don’t meet this stringent profile will probably have to pay higher prices and ends up with the customer not purchasing. The ads say “customers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can make it sound like they have such great car insurance rates. Because of the profiling, you need to compare quotes as often as possible. It’s just not possible to know which insurance companies will have the best rates at this point in time.

Insurance coverage basics

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

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

Comprehensive can pay for things such as damage from getting keyed, hail damage, damage from a tornado or hurricane, falling objects and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your 500L resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, backing into a parked car, damaging your car on a curb, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your FIAT 500L.

Because many people 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 is a good idea.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for things like chiropractic care, prosthetic devices, hospital visits, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Liability

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as pain and suffering, emergency aid and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Have money to burn

Some companies may not offer the ability to get quotes online and most of the time these small insurance companies provide coverage only through independent agents. Cost effective 2016 FIAT 500L insurance can be found online and from local agencies, and you should compare price quotes from both to have the best selection.

When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

Consumers who switch companies do it for many reasons like poor customer service, lack of trust in their agent, extreme rates for teen drivers and denial of a claim. Regardless of your reason for switching companies, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

More tips and info about auto insurance can be read by following these links: