2022 FIAT 500X Car 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: Apr 7, 2024

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Comparing car insurance quotes online may seem to be difficult if you’ve never received online quoting. Don’t let that bother you because we’re going to show you how.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Buying the cheapest protection can be fairly easy. Nevertheless, consumers should learn how companies determine prices and use this information to your advantage.

Auto insurance policy discounts you can’t miss

Companies offering auto insurance don’t always publicize all their discounts very clearly, so the list below gives a summary of a few of the more well known and the more hidden discounts that may be available.

  • More Vehicles More Savings – Buying coverage for primary and secondary vehicles on one policy qualifies for this discount.
  • Low Miles Discount – Keeping the miles down on your FIAT may allow you to get lower rates on the low mileage vehicles.
  • Safety Course Discount – Completing a driver safety course could save 5% or more if your company offers it.
  • Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction on 500X insurance but check with your company.
  • Distant College Student Discount – Kids who are enrolled in higher education away from home and do not have a car could qualify for this discount.
  • Senior Discount – Drivers over the age of 55 may qualify for better auto insurance rates on 500X insurance.
  • Life Insurance Discount – Some companies give a break if you buy a life insurance policy as well.
  • Passenger Safety Discount – Cars that have air bags can qualify for discounts of more than 20%.

As a sidenote, many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will definitely lower your overall premium however.

Large auto insurance companies and a summarized list of policyholder discounts are:

  • GEICO may include discounts for good student, membership and employees, emergency military deployment, daytime running lights, anti-theft, and anti-lock brakes.
  • Travelers includes discounts for student away at school, continuous insurance, new car, save driver, multi-policy, IntelliDrive, and hybrid/electric vehicle.
  • Farm Bureau may offer discounts for multi-policy, good student, renewal discount, safe driver, 55 and retired, and driver training.
  • Liberty Mutual offers discounts including new vehicle discount, exclusive group savings, teen driver discount, preferred payment discount, multi-policy, and newly married.
  • American Family may have discounts that include air bags, defensive driver, good driver, good student, early bird, bundled insurance, and multi-vehicle.
  • Progressive policyholders can earn discounts including online signing, multi-vehicle, homeowner, multi-policy, continuous coverage, and online quote discount.

When quoting, ask every company which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in every state.

The best way we recommend to compare rate quotes is to know the trick almost all companies participate in a system to provide you with a free rate quote. To begin a comparison, all you need to do is provide information including the type of vehicles you drive, distance driven, coverage limits, and the ages of drivers. Those rating factors is then submitted to many highly-rated insurers and they return quotes instantly.

Lower your insurance rates

A large part of saving on insurance is knowing some of the factors that help determine the rates you pay for insurance. If you have some idea of what influences your rates, this allows you to make educated decisions that may result in lower premium levels. Many different elements are considered when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other criteria are not as apparent like where you live or your financial responsibility.

The list below includes a few of the things insurance companies consider when setting your premiums.

  • Car plus home equals more savings – Most larger companies provide lower prices to insureds that have more than one policy such as combining an auto and homeowners policy. If you currently are using one company, it’s always a smart idea to compare other company rates to help guarantee you have the best rates. It’s possible to still save more without the discount by buying insurance from a different company.
  • Liability insurance claims can be big – Your insurance policy’s liability coverage kicks in in the event that you are responsible for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Higher rates for specific employers – Jobs such as judges, air traffic controllers and dentists usually pay the highest rates in part from intense work situations and lengthy work days. On the other hand, careers like farmers, athletes and retirees generally pay rates lower than average on 500X insurance.
  • Buy a safe car and pay less – Safe vehicles tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your FIAT 500X is rated at a minimum four stars on Safercar.gov you may be receiving a better rate.

Insurance agents can help

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions may help highlight if you may require specific advice.

  • Who is covered when they drive my 2022 FIAT 500X?
  • Where can I get insurance after a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Should I have a commercial auto policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When would I need rental car insurance?
  • Which is better, split liability limits or combined limits?
  • What if I total my 2022 FIAT 500X and owe more than it’s worth?
  • What is no-fault insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

But they said I’d save $458 a year!

Well-known insurance companies like 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. They all seem to make the promise that you’ll save big if you just switch your coverage. It sounds good, but how can they all save you money? Here is how they do it.

Most companies quote their cheapest rates for the type of driver that makes them money. For instance, this type of risk profile might be described as between the ages of 30 and 45, has never had a policy lapse, and has a short commute. A customer who fits that profile may get the lowest prices and will probably save money with a new company.

People who fall short of the ideal profile must pay higher prices and ends up with the customer not purchasing. If you listen closely, the ads state “people that switch” but not “all drivers who get quotes” save that much when switching. That is how companies can make those statements.

Because of this risk profiling, you really should do a quote comparison often. It is impossible to guess the company that will fit your personal profile best.

Auto insurance coverages

Having a good grasp of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

This pays for damage to your 500X resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Liability coverage

This will cover damage or injury you incur to people or other property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like emergency aid, funeral expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for prosthetic devices, nursing services and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your FIAT 500X.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

One last thing

You just learned a lot of tips how to save on 2022 FIAT 500X insurance. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. You may be surprised to find that the most savings is with a smaller regional carrier.

People who switch companies do it for many reasons like delays in paying claims, being labeled a high risk driver, not issuing a premium refund or high rates after DUI convictions. Regardless of your reason, finding a new insurance company is not as difficult as it may seem.

Some companies may not have price quotes online and most of the time these smaller companies prefer to sell through independent insurance agencies. Lower-priced 2022 FIAT 500X insurance is definitely available both online as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

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