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Fiat 124-Spider Insurance Rates

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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 6, 2023

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Comparing auto insurance through online rate quotes is easy, plus you might just save a little. The key is to compare rates from all companies in order to have the best prices.

Beginners to buying insurance may think buying low-cost Fiat 124-Spider insurance is going to be difficult. Finding a better price on auto insurance can be surprisingly simple. Consumers just need to spend a few minutes to get quotes from different insurance companies. This can be done by comparing rates here.

Rates are determined by...

Auto insurance rates on a Fiat 124-Spider will vary greatly based upon several criteria. Including but not limited to:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Crash test rating for your 124-Spider
  • Claims drive up premiums
  • Having current coverage saves
  • Home ownership saves money

A final factor that can impact Fiat 124-Spider insurance rates is the model year. Newer models have a higher value in comparison to later models so repair costs are higher which will push premiums up. On the flip side, more recent 124-Spider vehicles may have a trim level with safety features like autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights so those may lower rates.

Auto liability - Liability insurance will cover damage or injury you incur to people or other property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverages - This coverage will pay to fix damage to your 124-Spider resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Fiat 124-Spider can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper Fiat 124-Spider insurance rates.

Comprehensive auto coverage - This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your Fiat 124-Spider comprehensive insurance. The maximum amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP is only offered in select states and gives slightly broader coverage than med pay.

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