2019 FIAT 124 Spider Insurance Rates in 2024 – 7 Tricks for Best Quotes

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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: May 22, 2024

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Are you regretting buying an overpriced auto insurance policy? You’re preaching to the choir because many drivers feel the same as you.

Because there are so many choices of insurance companies, it can be hard to choose the lowest cost auto insurance provider.

It’s a good habit to check auto insurance prices yearly because auto insurance prices are variable and change quite frequently. Despite the fact that you may have had the best deal on 124 Spider insurance six months ago the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online, but you can learn a lot of great tips on how to lower your auto insurance bill.

Discount auto insurance quotes

Some insurers do not list every discount they offer very well, so we researched a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates.

  • Homeowners Discount – Simply owning a home may earn you a small savings because maintaining a house means you have a higher level of financial diligence.
  • Early Renewal Discounts – Some companies reward drivers for buying a new policy before your current expiration date. It’s a savings of about 10%.
  • Onboard Data Collection – Drivers who agree to allow companies to spy on driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they exhibit good driving behavior.
  • Driver Training Discounts – Taking time to complete a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
  • Memberships – Being in qualifying employment or professional organizations could qualify you for a break on your next renewal.
  • Student in College – Children who are enrolled in higher education away from home and do not have a car could qualify for this discount.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on 124 Spider insurance depending on your company.

Keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.

The best auto insurance companies and the discounts they provide can be read below.

  • State Farm policyholders can earn discounts including anti-theft, Drive Safe & Save, good driver, good student, and student away at school.
  • Progressive offers discounts for homeowner, online quote discount, good student, multi-vehicle, continuous coverage, and multi-policy.
  • Progressive includes discounts for good student, online signing, continuous coverage, multi-vehicle, multi-policy, online quote discount, and homeowner.
  • MetLife may include discounts for defensive driver, good student, accident-free, good driver, claim-free, and multi-policy.
  • Farm Bureau offers discounts including safe driver, youthful driver, good student, 55 and retired, driver training, and multi-vehicle.
  • GEICO may offer discounts for defensive driver, anti-lock brakes, good student, military active duty, and federal employee.
  • SAFECO discounts include multi-car, teen safe driver, teen safety rewards, homeowner, anti-lock brakes, drive less, and safe driver.

Before you buy a policy, ask each insurance company to give you their best rates. Some of the earlier mentioned discounts may not be available in your area. To see a list of providers that have a full spectrum of discounts, enter your zip code here.

The easiest way to compare car insurance company rates is to realize all the major auto insurance companies provide online access to compare rate quotes. All consumers are required to do is provide the companies a bit of rating information like if you have an active license, driver details, an estimate of your credit level, and any included safety features. The rating information is instantly provided to multiple companies and they provide comparison quotes immediately.

To compare rates for your 2019 FIAT 124 Spider now, click here and enter the information requested.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover whether or not you will benefit from professional help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I bundle my homeowners policy with my auto?
  • Is there coverage for injuries to my pets?
  • When would I need additional glass coverage?
  • What if I owe more than I can insure my car for?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and enter your zip code.

Insurance coverage specifics

Having a good grasp of insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Auto collision coverage

This covers damage to your 124 Spider caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, damage from a tornado or hurricane, hail damage, rock chips in glass and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for chiropractic care, ambulance fees and prosthetic devices. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

This provides protection from damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, pain and suffering, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2019 FIAT 124 Spider.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Be a Smart Shopper

Throughout this article, we presented many ideas to lower your 2019 FIAT 124 Spider insurance prices. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

Lower-priced auto insurance can be sourced from both online companies in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide online price quotes and most of the time these smaller providers sell through local independent agents.

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