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2014 FIAT 500e Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 14, 2020

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Trying to find lower car insurance rates for your FIAT 500e? Are you overwhelmed by the wide range of car insurance companies? Many other drivers are as well. Consumers have so many choices that it can quickly become a big hassle to find lower rates.

It’s a good idea to get comparison quotes occasionally since rates change frequently. Despite the fact that you may have had the lowest price for 500e insurance two years ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about car insurance on the web, but by reading this article, you’re going to learn some solid techniques on how to find cheap car insurance.

Finding cheaper car insurance is easy if you know what you’re doing. In a nutshell, everyone who buys car insurance will be able to reduce their rates. But car owners do need to understand the way companies sell online because it can help you find the best coverage.

Finding Car Insurance Deals

Most major insurance companies like State Farm, Allstate and GEICO allow you to get coverage price quotes directly from their websites. Getting online rates is pretty painless as you simply type in the amount of coverage you want as requested by the quote form. Once you submit the form, their rating system will order your credit score and driving record and generates pricing information.

Quoting online makes comparing rates easy, but having to visit each company’s website and repetitively type in the same information can get tiresome after awhile. But it is imperative to have as many quotes as possible if you are searching for the best price on car insurance.

The better way to compare rates

A more efficient way to lower your rates uses one simple form that obtains quotes from a bunch of companies at once. The form is fast, requires less work, and makes quoting online much easier to do. After sending your information, it gets priced and you are able to buy your choice of the returned quotes.

If you find a better price it’s easy to complete the application and buy the new coverage. The whole process just takes a couple of minutes and may result in a nice savings.

If you want to find out how much you’re overpaying now, click here and input your coverage information. If you currently have coverage, we recommend that you enter the coverages as shown on your current policy. Doing this assures you will get rate comparison quotes for exact coverage.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even be aware of. Some trigger automatically when you complete an application, but some may not be applied and must be specially asked for before they will apply.

  • Club Memberships – Participating in a qualifying organization may earn a discount on your policy for 500e insurance.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Drive Less and Save – Fewer annual miles on your FIAT can earn discounted rates on garaged vehicles.
  • E-sign – Some insurance companies will give a small break for buying your policy digitally online.
  • Senior Discount – Mature drivers may be able to get reduced rates for 500e insurance.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous. Any amount of discount will reduce the amount you have to pay.

A partial list of companies that may have these benefits include:

Double check with each company what discounts are available to you. Some discounts may not be available everywhere.

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When might I need an agent?

When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Can my teen drive my company car?
  • What is the minimum liability in my state?
  • Will my rates increase for filing one claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when pulling a rental trailer?
  • Am I covered when driving on a suspended license?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverages explained

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, damage from flooding and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

Collision coverage pays for damage to your 500e caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, scraping a guard rail, rolling your car, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as attorney fees, legal defense fees, repair bills for other people’s vehicles, court costs and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses for things like EMT expenses, funeral costs and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2014 FIAT 500e.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Use our FREE quote tool to compare rates now!

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