Save on 2019 FIAT 500X Insurance Quotes in 2024

Searching for better insurance rates for your FIAT 500X? Locating the cheapest insurance on the internet can seem to be challenging for drivers new to quoting and comparison shopping on the internet. With literally dozens of companies, how can anyone possibly compare every company in order to find better rates?

Buy insurance coverage online

Performing a rate comparison can be a lot of work if you don’t understand the easiest way. You can spend countless hours talking about coverages with insurance companies in your area, or you can utilize the web to get rates in a matter of minutes.

Most of the best insurance companies enroll in a system where prospective buyers enter their policy data once, and every company returns a rated price determined by their information. This system prevents you from having to do quotation requests for every insurance coverage company.

To compare pricing enter your zip code here.

The one downside to using this type of system is you are unable to specify the providers to get quotes from. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click to enter zip code for insurance companies.

It doesn’t matter which method you choose, just ensure you’re using equivalent coverages and limits for each price quote. If you have mixed coverages you will not be able to decipher which rate is best. Just slight variations in limits may cause a big price difference. Keep in mind that comparing more quotes helps improve the odds of finding a lower rate than you’re paying now. Not every company provides online rate quotes, so you also need to get quotes from them as well.

Cheaper rates by receiving discounts

Companies that sell car insurance do not advertise every discount in a way that’s easy to find, so the list below gives a summary of some of the more common and the more hidden discounts that you may qualify for.

• Discounts for Government Workers – Active or former government employment could cut as much as 10% off for 500X insurance with a few car insurance companies.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
• Pay Upfront and Save – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
• Anti-lock Brakes – Cars with anti-lock braking systems have fewer accidents so you can save 10 percent or more.
• Auto/Home Discount – When you have multiple policies and insure them with the same company you may earn up to 20% and get you the cheapest car insurance.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
• Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get better premium rates on cars that stay parked.
• Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts could see savings as much as 30%.
• Accident Waiver – This one is not really a discount per se, but companies like Progressive, Allstate, and GEICO may permit one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way. Any qualifying discounts will reduce your overall bill.

A few popular companies and their possible discounts are outlined below.

• 21st Century discounts include student driver, driver training, homeowners, air bags, theft prevention, and defensive driver.
• State Farm may have discounts that include multiple autos, multiple policy, driver’s education, student away at school, anti-theft, and good driver.
• AAA may include discounts for education and occupation, AAA membership discount, good driver, anti-theft, and multi-car.
• Liberty Mutual may offer discounts for new move discount, new vehicle discount, good student, new graduate, teen driver discount, multi-policy, and newly married.
• Progressive offers premium reductions for multi-vehicle, multi-policy, good student, online signing, continuous coverage, online quote discount, and homeowner.

When getting free car insurance quotes, it’s a good idea to each company which credits you are entitled to. Some credits might not be offered in your area. If you would like to view insurance companies with significant discounts, enter your zip code here.

Good decisions result in lower insurance premiums

Many things are used in the calculation when quoting car insurance. Some of the criteria are obvious like an MVR report, but other factors are more obscure like where you live or how financially stable you are.

The itemized list below are some of the most rate-impacting factors insurance coverage companies consider when setting your premiums.

• Uninterrupted coverage lowers prices – Having a lapse in insurance coverage will be a sure-fire way to trigger a rate increase. Not only will you pay higher rates, failure to provide proof of insurance could earn you fines or a revoked license.
• Advanced alarm systems – Owning a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft and help lower rates.
• Drive lots and pay more – Driving a lot of miles in a year the more you will pay for insurance coverage. A lot of companies charge rates determined by how the vehicle is used. Vehicles that do not get driven very much get more affordable rates than cars that get driven a lot. Having the wrong rating on your 500X can result in significantly higher rates. It’s a smart idea to ensure your policy is rated on the proper vehicle usage.
• Add-on coverages can cost a lot – Policies have extra coverages that you can buy but may not be useful. Coverages for roadside assistance, towing coverage, and term life insurance may be wasting your money. The coverages may be enticing initially, but if you don’t need them consider taking them off your policy.
• Safer vehicles mean better premiums – Cars with high safety ratings tend to have better insurance rates. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries means lower claim amounts which can mean better rates for you.
• Higher rates for specific vocations – Occupations like lawyers, airline pilots and medical professionals have higher rates than average because of intense work-related stress and long work days. On the other hand, professions such as professors, athletes and homemakers have lower than average premiums for 500X insurance.

Your auto insurance coverage should be tailored to you

When choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether or not you would benefit from professional advice.

• What are the financial responsibility laws in my state?
• Is my teen driver covered when they drive my company car?
• What is UM/UIM insurance?
• Does my car insurance cover rental cars?
• When should I not file a claim?
• Can I drive in Mexico and have coverage?
• When do I need to add a new car to my policy?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code.

Is there truth in advertising?

Popular car insurance providers such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all advertise the message about how much you will save if you just switch your car insurance policy to them. That’s great but how can every company make the same claim? This is the way they can do it.

Insurance companies give the cheapest rates for the type of driver that earns them the most money. An example of a desirable insured might have to be over the age of 50, has no claims, and drives less than 10,000 miles a year. Any driver who matches that profile will most likely get cheap premium rates and will probably save a lot if they switch.

Insureds who cannot meet these stringent criteria will see higher premiums which translates to the customer not buying. The ads say “customers that switch” but not “everyone who gets a quote” save money. This is how insurance companies can advertise the savings. This really drives home the point why you need to quote coverage with many companies. It is impossible to guess with any certainty which company will have the lowest premium rates for your situation.

Car insurance coverages for a 2019 FIAT 500X

Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses like hospital visits, dental work and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a deer and fire damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your FIAT 500X.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability

This coverage protects you from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, court costs and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Best coverage at the best price

Insureds switch companies for any number of reasons including denial of a claim, poor customer service, not issuing a premium refund and even high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

Some insurance providers may not have internet price quotes smaller providers only sell through independent agents. Budget-conscious 2019 FIAT 500X insurance is definitely available on the web as well as from independent agents, so you need to compare both to have the best chance of lowering rates.

In this article, we covered a lot of tips how to lower your 2019 FIAT 500X insurance prices. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest prices are with some of the lesser-known companies.