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FIAT 500 Insurance Rates

You have many choices when insurance shopping for your FIAT vehicle. You can get prices from a local agent or price shop online to compare insurance costs of car insurance companies. Finding cheaper auto insurance from online rate quotes is simple to do, in addition you might just save a little.

Finding the best direct price on auto insurance can be complicated if you have never used online quoting. But relax because comparing prices is actually very simple. Cutting your FIAT 500 insurance cost doesn't have to be difficult. Drivers just need to take a couple of minutes to get quotes online with multiple companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a FIAT 500 can fluctuate considerably subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • Accidents raise premiums
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Optional coverages like vehicle replacement
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

A final factor which can affect FIAT 500 insurance rates is the model year. Models that are new have a higher actual cash value in comparison to later models so the payout to repair may result in higher rates. But newer models may have a trim level with safety features including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which may help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your 500 from the following list.

Liability insurance - FIAT 500 liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision - This pays for damage to your FIAT from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive protection - This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your FIAT 500 comprehensive insurance. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This coverage provides protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage - Med pay and PIP coverage reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not available in all states and may carry a deductible.

How Much are FIAT 500 Insurance Rates?