2013 FIAT 500e Insurance Rates
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UPDATED: Apr 14, 2020
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Are you tired of scraping the payment together to insure your FIAT every month? You are no different than many other consumers.
Drivers have so many insurers to insure vehicles with, and though it is a good thing to be able to choose, having more auto insurance companies makes it harder to adequately compare rates.
Policy discounts you shouldn’t miss
The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be asked for prior to getting the savings.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
- Safe Drivers – Safe drivers may receive a discount up to 45% less on 500e insurance than drivers with accident claims.
- 55 and Retired – Mature drivers can possibly qualify for better insurance coverage rates on 500e insurance.
- Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
- Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiring. It’s a savings of about 10%.
- Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
- Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Low Mileage Discounts – Fewer annual miles on your FIAT can qualify you for discounted rates on garaged vehicles.
- Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.
As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will cut your premiums.
For a list of companies offering insurance coverage discounts, click here to view.
Insurance agents can help
When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight if you might need an agent’s assistance.
- Is my state a no-fault state?
- Is motorclub coverage worth it?
- Do I need higher collision deductibles?
- Do I have coverage when making deliveries for my home business?
- Exactly who is provided coverage by my policy?
- When would I need rental car insurance?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
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Do drivers who switch really save?
Insurance companies such as 21st Century, Allstate and State Farm continually stream ads in print and on television. They all seem to make an identical promise of big savings after switching to their company. How can each company make almost identical claims?
Different companies have a preferred profile for the type of customer that earns them a profit. For example, a driver they prefer could be a mature driver, owns a home, and chooses high deductibles. A customer who matches those parameters will get very good rates and most likely will pay quite a bit less when switching companies.
Consumers who don’t meet these standards will have to pay higher rates and ends up with business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that kind of money. That is how companies can advertise the savings.
Because of the profiling, it is so important to get as many comparisons as possible. You cannot predict the company that will have the lowest FIAT 500e insurance rates.
Auto insurance coverage information
Learning about specific coverages of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.
This provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as medical expenses, emergency aid, legal defense fees, pain and suffering and structural damage. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.
Insurance for medical payments
Coverage for medical payments and/or PIP pay for bills for nursing services, chiropractic care, prosthetic devices, dental work and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your FIAT 500e.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like damaging your car on a curb, colliding with a tree, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.
Comprehensive coverage (or Other than Collision)
This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like hail damage, a tree branch falling on your vehicle, fire damage and damage from getting keyed. The most a 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.
More choices the merrier
We’ve covered some good ideas how to reduce 2013 FIAT 500e insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.
As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage for the lowest price.
Cheap insurance can be found from both online companies as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.
To learn more, take a look at the resources below:
- Auto Insurance Basics (Insurance Information Insitute)
- Uninsured Motorist Statistics (Insurance Information Insitute)
- Prom Night Tips for Teen Drivers (State Farm)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
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