2013 FIAT 500 Insurance Rates

Average insurance rates for a 2013 FIAT 500 are $1,228 a year including full coverage. Comprehensive insurance costs approximately $190 each year, collision costs $338, and liability coverage costs $520. Buying a liability-only policy costs as little as $576 a year, with high-risk insurance costing $2,662 or more. Teenage drivers receive the highest rates at $4,910 a year or more.

Annual premium for full coverage: $1,228

Rate estimates for 2013 FIAT 500 Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2013 FIAT 500 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

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These differences highlight why all drivers should compare rates using their specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Searching for better insurance rates for your FIAT 500? Having to pay for overpriced FIAT 500 insurance can drain your savings account and make it hard to pay other bills. Comparison shopping is a great way to make sure you’re not throwing money away.

Drivers have multiple car insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it can be more difficult to find a good deal.

It’s a good idea to compare rates quite often because prices fluctuate regularly. Despite the fact that you may have had the lowest rates on 500 insurance last year other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to find out the best methods to get good coverage at a lower rate.

Buying the lowest cost protection is quite easy. Basically, everyone who is shopping for insurance should be able to find lower rates. Although vehicle owners must comprehend how big insurance companies determine prices and use this information to your advantage.

FIAT 500 insurance rates can be determined by these details

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for car insurance. Knowing what determines base rates enables informed choices that can help you get big savings.

• Optional equipment can affect rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
• Rates may be lower depending on your job – Occupations like judges, business owners and dentists have the highest average rates in part from stressful work requirements and lots of time spent at work. Other jobs such as farmers, historians and retirees get better rates on 500 insurance.
• Lower miles equals lower premium – The more miles you rack up on your FIAT every year the more you will pay for car insurance. Most companies rate vehicles based on their usage. Cars used primarily for pleasure use can get a lower rate compared to those used for work or business. If your policy improperly rates your 500 can cost quite a bit. Double check that your car insurance policy properly reflects how each vehicle is driven, because it can save money.
• Never allow your policy to lapse – Allowing your car insurance policy to lapse is a fast way to trigger a rate increase. Not only will you pay more, but not being able to provide proof of insurance can result in a license revocation or jail time.You may then be required to file a SR-22 with your state motor vehicle department.
• Being married is a good thing – Getting married can get you a discount on car insurance. Marriage translates into being more mature and responsible it has been statistically shown that being married results in fewer claims.
• Bump up deductibles to save – Deductibles for physical damage represent how much money you are willing to pay before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, collision with an animal, and windstorm damage. The more money you are required to pay out-of-pocket, the lower your rates will be on 500 insurance.
• Do you know you’re credit rating? – Credit score is a important factor in determining what you pay for car insurance. If your credit score is lower than you’d like, you could pay less to insure your 2013 FIAT 500 by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.
• Safer occupants lowers premiums – Safer cars are cheaper to insure. Safe vehicles reduce injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If the FIAT 500 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Discounts to lower FIAT 500 insurance rates

Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be specially asked for prior to receiving the credit.

• E-sign – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
• Multi-policy Discount – If you have multiple policies with the same company you may save up to 20% off your total premium.
• Passive Restraints and Air Bags – Cars that have air bags can get savings up to 30%.
• More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
• No Claims – Claim-free drivers pay much less compared to accident-prone drivers.
• Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on 500 insurance with select insurance companies.
• 55 and Retired – Older drivers can possibly qualify for reduced rates on 500 insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will reduce your overall premium however.

A partial list of companies that may have these money-saving discounts may include but are not limited to:

• State Farm
• GEICO
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

Before buying, ask all companies you are considering which discounts they offer. Discounts may not apply everywhere.

Tailor your coverage to you

When buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

• Should I buy more coverage than the required minimum liability coverage?
• Do I have coverage when making deliveries for my home business?
• Do I need PIP (personal injury protection) coverage in my state?
• Does my policy pay for OEM or aftermarket parts?
• How do I insure my teen driver?
• What can I do if my company denied a claim?
• Am I covered if I drive in a foreign country?
• Can my teen drive my company car?
• Do I benefit by insuring my home with the same company?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Parts of your car insurance policy

Having a good grasp of car insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most car insurance policies.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses such as doctor visits, pain medications, ambulance fees and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your FIAT 500.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from a tornado or hurricane, hail damage, hitting a deer and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

Collision coverage will pay to fix damage to your 500 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability

Liability coverage protects you from injuries or damage you cause to other’s property or people. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, structural damage, loss of income and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

The best insurance company isn’t always the cheapest

When buying insurance coverage, you should never buy poor coverage just to save money. In too many instances, someone sacrificed uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your aim should be to get the best coverage possible at the best price while still protecting your assets.

We covered many ways to reduce 2013 FIAT 500 insurance prices online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

More information can be found below:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Auto Insurance Learning Center (State Farm)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Teen Driving and Texting (State Farm)

Use our FREE quote tool to compare rates now!