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FIAT 124 Spider Insurance Rates

Comparing auto insurance by getting online quotes is easy and at the same time you may find lower rates. The key is to take the time to get rates from all providers so you can compare the lowest priced insurance.

Beginners to comparison shopping may think purchasing affordable 124 Spider insurance is nearly impossible. Getting better 124 Spider insurance cost can be relatively painless. Just take time to compare quotes from different insurance companies. This can be done by visiting this page.

What factors impact your insurance rates?

Insurance premiums paid to insure a FIAT 124 Spider can vary widely based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older FIAT models so repair costs are higher which can inflate annual premiums. But newer models have more advanced features including lane departure warning system, pedestrian detection, and tire pressure monitors which can provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability - Liability insurance protects you from damages or injuries you inflict on a person or their property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverage - This coverage pays for damage to your FIAT from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance - Med pay and PIP coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not available in all states but can be used in place of medical payments coverage.

How Much are FIAT 124 Spider Insurance Rates?