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FIAT 500 Insurance Rates

You have many choices when insurance shopping for your FIAT vehicle. You can either buy through an agent or shop online to check prices from insurance carriers. Finding cheaper car insurance by getting online quotes is easy, in addition you can save money.

Consumers who are new to the process of comparing rates may think buying cut-rate FIAT 500 insurance is nearly impossible. There are several ways to compare quotes and find the best price. The easiest way to find competitive FIAT 500 insurance cost is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine your insurance rates

Car insurance premiums for your FIAT 500 will vary greatly based upon several criteria. A few of these criteria are:

  • The performance level of your 500
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Your occupation
  • Insurance coverage level
  • Owning a home can lower rates

An additional factor which can affect FIAT 500 insurance rates is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the payout to repair will push premiums down. Although newer models may have safety features included like a telematics system, all-wheel drive, and adaptive headlights so those may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your 500 from the following list.

Liability - Liability insurance protects you from injuries or damage you cause to other's property or people that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision - This pays for damage to your FIAT resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper FIAT 500 insurance rates.

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance - Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are FIAT 500 Insurance Rates?