Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Feb 24, 2018

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It’s all about you. We want to help you make the right coverage choices.

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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No car owner looks forward to paying premiums for insurance coverage, in particular when they are paying too much. Because there are so many insurance companies to choose from, it can be hard to choose the lowest price insurer.

It is always a good idea to do price comparisons before your next renewal since prices fluctuate regularly. Despite the fact that you may have had the lowest price for 500X coverage a couple years back you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to learn one of the easiest ways to reduce your cost while improving coverage.

The cheapest car insurance quotes online

The majority of larger companies give coverage price quotes on their websites. Getting online quotes is easy for anyone as you just type in your coverage information into a form. Behind the scenes, their rating system gets your driving and credit reports and gives you a price quote based on many factors. Online price quotes simplifies rate comparisons, but the work required to visit each company’s website and repetitively type in the same data can be a bit repetitive. But it’s also necessary to perform this step if you want to get the best price possible.

The preferred way to lower your rates uses one form to obtain quotes from many companies. It saves time, eliminates form submissions, and makes online shopping much more enjoyable. As soon as you send your information, it is rated with multiple companies and you can pick any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

To save time and find out how much you’re overpaying now, click here to open in a new tab and submit the form. To compare your current rates, we recommend you copy the limits and deductibles exactly as shown on your declarations page. Doing this assures you will receive an apples-to-apples comparison for similar insurance coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance agents can help

When buying the best insurance coverage coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions can aid in determining if your situation might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my babysitter covered when using my vehicle?
  • Does medical payments coverage apply to all occupants?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if my car is in a flood?
  • Should I sign the liability waiver when renting a car?
  • Why am I required to buy high-risk coverage?
  • Does insurance cover damages from a DUI accident?
  • Is pleasure use cheaper than using my 2016 FIAT 500X to commute?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage breakdown

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like nursing services, dental work and funeral costs. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your FIAT 500X.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Auto liability insurance – This coverage protects you from damage that occurs to other’s property or people. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as bail bonds, medical expenses, structural damage, emergency aid and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, hitting a deer, theft and damage from getting keyed. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – This pays for damage to your 500X from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, colliding with a tree, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.