Cheapest 2014 Fiat 500L Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Finding better rates for insurance coverage is hard for beginners to buying insurance online. There are so many choices that it can be a real hassle to compare prices.
Finding Auto Insurance
All major auto insurance companies allow you to get pricing on the web. This process doesn’t take a lot of time as you just enter your personal and coverage information into a form. When complete, the company’s rating system will order credit information and your driving record and returns a price quote based on many factors.
Being able to quote online makes comparing rates easy, but the process of having to visit different websites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this in order to find the lowest price.
The better way to compare rates
A more efficient way to locate the lowest prices uses one simple form that analyzes rates from multiple companies. This type of form saves time, reduces the work, and makes online price comparison much more enjoyable. After sending your information, it gets priced with multiple companies and you can pick your choice of the returned quotes.
If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process only takes a few minutes and you’ll know if lower rates are available.
To find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate the coverages identical to your current policy. Doing this guarantees you will get a rate comparison based on the exact same insurance coverage.
Policy discounts you shouldn’t miss
Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically when you get a quote, but a few must be specially asked for before you will receive the discount.
- Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
- Organization Discounts – Belonging to a qualifying organization could trigger savings when buying insurance coverage on 500L coverage.
- Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
- No Claims – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
- Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Resident Student – Children who are attending college and don’t have a car can receive lower rates.
- Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
It’s important to note that most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free insurance coverage policy, companies don’t profit that way. But all discounts will cut your overall premium however.
For a list of insurance companies who offer insurance coverage discounts, click here to view.
Insurance agents can help
When buying the right insurance coverage, there really is no perfect coverage plan. Each situation is unique.
For instance, these questions could help you determine whether your personal situation may require specific advice.
- How does medical payments coverage work?
- Can I afford to pay high deductible claims out of pocket?
- Should I have combined single limit or split liability limits?
- What is an SR-22 filing?
- Is my babysitter covered when using my vehicle?
- Are my friends covered when driving my car?
- How high should my uninsured/underinsured coverage be in my state?
- Will I lose any money if I cancel my policy before it expires?
- Am I covered when driving someone else’s vehicle?
- Is my vehicle covered by my employer’s policy when using it for work?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.
Car insurance 101
Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.
This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like hitting a deer, damage from flooding, a broken windshield and hail damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as driving through your garage door, hitting a parking meter, rolling your car, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.
Liability car insurance
This can cover damage or injury you incur to 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 liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for claims like attorney fees, repair costs for stationary objects and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like X-ray expenses, ambulance fees and pain medications. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your FIAT 500L.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.
A fool and his money are soon parted
Consumers leave their current company for any number of reasons including denial of a claim, extreme rates for teen drivers, being labeled a high risk driver and even not issuing a premium refund. No matter why you want to switch, finding a new company can be easier than you think.
In this article, we presented a lot of information how to save on 2014 FIAT 500L insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a smaller regional carrier.
When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
To learn more, take a look at the articles below:
- Should I Buy a New or Used Car? (Allstate)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Older Drivers FAQ (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)
- Collision Coverage (Liberty Mutual)
- Auto Insurance Basics (Insurance Information Insitute)
Frequently Asked Questions
What factors determine the insurance rates for a 2014 Fiat 500L?
Insurance rates for a 2014 Fiat 500L are determined by several factors, including the driver’s age, driving record, location, insurance history, coverage options, deductibles, and the value of the vehicle. Other factors that may influence rates include the Fiat 500L’s model, trim level, safety features, repair costs, and theft rates.
Is the insurance rate for a 2014 Fiat 500L higher compared to other vehicles?
The insurance rates for a 2014 Fiat 500L are generally in the mid to higher range compared to other vehicles. The Fiat 500L is a larger compact car, and insurance rates for this type of vehicle can be higher due to factors such as increased repair costs and potentially higher risk of accidents. However, rates can vary among insurance providers, and it’s recommended to compare quotes from different companies to find the most affordable option for the 2014 Fiat 500L.
Are there any specific discounts available for insuring a 2014 Fiat 500L?
Insurance companies may offer various discounts that can help lower the insurance rates for a 2014 Fiat 500L. Some potential discounts include multi-policy discounts, safe driver discounts, discounts for certain safety features on the vehicle, and loyalty discounts for long-term customers. Contact insurance providers to inquire about available discounts specific to the Fiat 500L.
How can I find the cheapest insurance rates for a 2014 Fiat 500L?
To find the cheapest insurance rates for a 2014 Fiat 500L, it’s advisable to shop around and obtain quotes from multiple insurance providers. Contact different insurance companies directly, use online comparison tools, or consult with an insurance broker who can gather quotes on your behalf. Comparing rates and coverage options will help you find the most competitive offer.
Are there any specific insurance providers known for offering competitive rates for larger compact cars like the 2014 Fiat 500L?
Insurance rates can vary among providers, and the competitiveness of rates may change over time. It is recommended to research and compare quotes from various insurance companies that specialize in insuring larger compact cars. Look for providers with experience in insuring similar vehicles to find the best rates for the 2014 Fiat 500L.
Can I adjust my coverage options to lower the insurance rates for a 2014 Fiat 500L?
Adjusting your coverage options can potentially affect the insurance rates for a 2014 Fiat 500L. However, it’s important to carefully consider the potential risks and benefits of reducing coverage. Lowering coverage limits or removing certain types of coverage may leave you financially vulnerable in case of an accident or other incidents. It’s advisable to consult with an insurance professional to determine the appropriate coverage levels for your needs.
Are there any specific precautions I can take to potentially lower the insurance rates for a 2014 Fiat 500L?
While insurance rates are determined by various factors, there are some precautions you can take to potentially lower the insurance rates for your 2014 Fiat 500L. These include maintaining a clean driving record, installing safety features such as anti-theft devices and alarm systems, parking in a secure location, and completing defensive driving courses. Some insurance providers may offer discounts for such precautions.
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