Fiat 500E Insurance Rates

Finding cheaper auto insurance from online rate quotes is easy, in addition you may find lower rates. The key is getting rates from all companies in order to have the lowest rate quotes.

Consumers who are new to the process of comparing rates may think shopping for low-cost Fiat 500E insurance is more work than they want to put in. The are a couple different ways to compare rate quotes from auto insurance companies in your area. By far the easiest way to compare Fiat 500E insurance rates is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine Fiat 500E insurance rates

Insurance premiums on a Fiat 500E can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new 500E models so the cost to replace them will push premiums down. But new 500E models have more advanced features including pedestrian detection, tire pressure monitors, and autonomous braking that may help lower rates.

Liability insurance

Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your Fiat 500E can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.