Save on 2015 FIAT 500L Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Jun 5, 2024

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Want better insurance rates for your FIAT 500L? Trying to find better insurance prices for a FIAT 500L can turn out to be an all-consuming task, but you can use our insurance buying tips to find lower rates. There is a better way to shop for insurance and you need to know the proper way to get price quotes for your FIAT and obtain the cheapest rates from local insurance agents and online providers.

You should make it a habit to price shop coverage on a regular basis due to the fact that insurance prices are constantly changing. Just because you found the lowest rate on 500L insurance at your last renewal a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance because I’m going to teach you the best methods to find lower rates on insurance.

The cheapest insurance

Effectively comparing insurance prices can take time and effort if you don’t know the most efficient way to do it. You could waste a few hours talking to insurance agencies in your area, or you could use the web to achieve your goal.

Most car insurance companies enroll in a system where insurance shoppers submit their information once, and every company can provide price quotes based on that data. This prevents consumers from doing quote forms to each individual insurance company.

To fill out one form to compare multiple rates now enter your zip code here.

The single downside to using this type of system is that consumers can’t choose which insurance companies to receive prices from. If you would rather choose from a list of companies to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click to enter zip code for insurance companies.

You can use whichever method you prefer to find lower rates, just double check that you are using exactly the same coverages and limits on every price quote you get. If your comparisons have different liability limits it’s impossible to find the best deal for your FIAT 500L.

Get lower-cost rates with discounts

Auto insurance companies don’t list all discounts very clearly, so the list below gives a summary of both the well known and also the lesser-known credits available to bring down your rates.

  • Active Service Discounts – Having a deployed family member could trigger a small discount.
  • No Claims – Drivers who stay claim-free get the best insurance coverage rates as opposed to bad drivers.
  • Save over 55 – Older drivers can get lower premium rates on 500L insurance.
  • Accident Forgiveness – but certain companies will let one accident slide without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.
  • Memberships – Joining qualifying clubs or civic groups is a good way to get lower rates on your bill.
  • Passenger Safety Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Homeowners Savings – Just being a homeowner can save you money since owning and maintaining a home shows financial diligence.
  • Smart Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
  • Multi-Vehicle Discounts – Buying a policy with all your vehicles on a single policy can reduce the rates for all insured vehicles.

Drivers should understand that many deductions do not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A partial list of companies that may have some of the discounts shown above include:

  • Travelers
  • Nationwide
  • Farmers Insurance
  • Esurance
  • State Farm
  • Progressive
  • Mercury Insurance

If you need cheaper insurance quotes, ask every company what discounts are available to you. All car insurance discounts might not be offered on policies in every state. If you would like to choose from a list of insurance coverage companies with the best insurance coverage discounts, enter your zip code here.

What is the best auto insurance coverage?

When choosing coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your situation might need an agent’s assistance.

  • Who is covered by my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does liability extend to a camper or trailer?
  • What is medical payments coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Informed consumers can reduce their insurance costs

It’s important that you understand the rating factors that come into play when calculating your policy premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that will entitle you to big savings. Many factors are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving record, but others are more transparent such as your credit history or your commute time.

  • Policy add-ons may be wasting money – There are a lot of extra add-on coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like roadside assistance, high-cost glass coverage, and motor club memberships are probably not needed. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.
  • Too many policy claims and you’ll pay more – If you file a lot of claims you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies generally give lower rates to policyholders who are not frequent claim filers. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
  • Better auto insurance rates on safer cars – Safe vehicles cost less to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and any reduction in injury severity means lower claim amounts and cheaper rates on your policy. If the FIAT 500L is rated at least four stars on or an “acceptable” rating on you may be receiving a better rate.
  • Discounts for married drivers – Being married may cut your premiums compared to being single. It may mean you are more financially stable and it’s proven that married drivers tend to file fewer claims.
  • High premiums for youthful drivers – More mature drivers have been proven to be more responsible, tend to cause fewer accidents . Youthful drivers tend to be careless and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher.
  • Multiple policies with one company can save – Many insurers apply discounts for people who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare other insurance prices to help guarantee you have the best rates. You may still find better rates by splitting coverages up.
  • Which gender costs less? – Statistics have proven that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Men and women have accidents in similar numbers, but the male of the species have costlier accidents. Not only that, but men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.

Insurance coverage considerations

Understanding the coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like doctor visits, nursing services and EMT expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, vandalism and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, emergency aid and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Collision protection

This coverage will pay to fix damage to your 500L resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, crashing into a building, colliding with a tree, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your FIAT 500L.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Save your cold hard cash

Drivers change insurance companies for a variety of reasons including poor customer service, questionable increases in premium, lack of trust in their agent and even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.

When searching for affordable insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

You just learned a lot of information how to shop for 2015 FIAT 500L insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may even discover the lowest rates are with a small mutual company.

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