2019 FIAT 500L Insurance Rates 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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Trying to find the cheapest auto insurance rates for your FIAT 500L? Are you drained from trying to scrape together enough money to buy auto insurance? You are no different than the majority of other vehicle owners.

You have so many car insurance companies to choose from, and although it’s a good thing to be able to choose, it can be more difficult to compare rates.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Nevertheless, consumers should learn the way insurance companies compete online and apply this information to your search.

Where can I get low cost insurance?

To get cheaper insurance quotes, there a variety of ways of comparing price quotes from many insurance companies in your state. The simplest method to compare rates is to perform an online rate comparison. This is quite simple and can be completed in a couple minutes as outlined below.

  1. One of the best ways consumers can make multiple comparisons is to use a rate comparison form. This quick form prevents you from having to do separate quotes for every company. One simple form gets insurance cost estimates direct from many companies.
  2. A different way to shop for insurance online is spending the time to visit the website of each company and request a quote. For examples sake, we’ll assume you want rates from Liberty Mutual, Progressive and Travelers. To get rate quotes you would need to go to every website to enter your coverage information, which explains why we recommend starting with the first method.
  3. The least recommended way of comparing rate quotes is to drive around to each insurance agency near you. The ability to get quotes online reduces the need to sit down with an agent unless you’re the type of person who wants the advice and guidance of a local agent. However, consumers can compare the best prices online but buy from a local insurance agent.

The method you choose is up to you, but be certain you are entering nearly identical coverage limits on every price quote you get. If you enter different liability limits it’s not possible to determine the lowest rate for your FIAT 500L. Just a small difference in coverages may result in large price differences. Just remember that quoting more increases your odds of finding a better price.

Car insurance policy discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts to help offset the cost. A few discounts will be applied at the time you complete a quote, but lesser-known reductions have to be specially asked for in order for you to get them. If you aren’t receiving every discount possible, you could be getting lower rates.

  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Telematics Data – Drivers who elect to allow driving data collection to scrutinize vehicle usage by using a telematic data system like Allstate’s Drivewise might get better premium rates if they are good drivers.
  • Professional Memberships – Affiliation with qualifying employment or professional organizations may earn a discount on your next car insurance statement.
  • One Accident Forgiven – Not really a discount, but a few companies such as GEICO, Progressive, and Allstate will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
  • Driver Training Discounts – Taking part in a course teaching driver safety skills is a good idea and can lower rates if your company offers it.

As is typical with insurance, some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

Large car insurance companies and the discounts they provide can be found below.

  • State Farm discounts include Steer Clear safe driver discount, safe vehicle, defensive driving training, Drive Safe & Save, anti-theft, good student, and student away at school.
  • Farmers Insurance offers discounts for homeowner, teen driver, alternative fuel, pay in full, multi-car, and bundle discounts.
  • Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, multi-policy, homeowner, and good student.
  • GEICO has savings for anti-lock brakes, air bags, multi-vehicle, daytime running lights, federal employee, seat belt use, and good student.
  • Auto-Owners Insurance may include discounts for paid in full, student away at school, safe vehicle, group or association, safe driver, and good student.
  • The Hartford may offer discounts for vehicle fuel type, driver training, anti-theft, air bag, defensive driver, and good student.
  • Farm Bureau may have discounts that include 55 and retired, safe driver, multi-policy, multi-vehicle, and good student.
  • USAA offers discounts including defensive driver, multi-policy, new vehicle, good student, and loyalty savings.

If you want cheap insurance quotes, ask all companies you are considering which discounts you may be entitled to. Discounts may not be offered in your area. To find car insurance companies that offer many of these discounts, enter your zip code here.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can help discover if your situation may require specific advice.

  • If my 2019 FIAT 500L is totaled, can I afford another vehicle?
  • Who is covered by my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if hit by an uninsured driver?
  • Where can I get insurance after a DUI in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, take a second and enter your zip code.

Car insurance coverages explained

Learning about specific coverages of car insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages available from car insurance companies.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as repair costs for stationary objects, court costs, pain and suffering and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

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. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like surgery, chiropractic care, EMT expenses, hospital visits and pain medications. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, damage from getting keyed and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

This will pay to fix damage to your 500L from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, scraping a guard rail, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

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