2017 FIAT 124 Spider Insurance Quotes – 6 Tricks for Best Rates
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UPDATED: Jan 6, 2020
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Consumers have options when looking for low-cost FIAT 124 Spider insurance. They can either spend hours contacting agents trying to get quotes or leverage the internet to compare rates. There is a right way and a wrong way to compare insurance rates so you’re going to learn the quickest way to price shop coverage on a FIAT and get the lowest price.
Buying car insurance is not that difficult. If you currently have car insurance, you will most likely be able to save some money using these methods. Drivers only need an understanding of the most efficient way to shop on the web.
Compare insurance rates
Most of the larger companies provide prices on the web. Doing online price comparisons is fairly simple as you just enter your coverage information into the form. Behind the scenes, their system will obtain your driving and credit reports and generates pricing information based on these and other factors.
Online quotes helps simplify price comparisons, but the work required to visit many different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible in order to find better insurance pricing.
The preferred way to get multiple rate quotes uses just one form that analyzes rates from many companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. Immediately after you send the form, it gets priced with multiple companies and you can pick any one of the pricing results. If a lower price is quoted, you simply finish the application and purchase coverage. This process takes less than 15 minutes and may save quite a bit of money.
To quickly find out how much you’re overpaying now, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you type in the limits and deductibles identical to your current policy. This helps ensure you are getting a price comparison using the same coverage and limits.
Find hidden discounts to get affordable car insurance rates
Some companies don’t always advertise all their discounts in an easy-to-find place, so we researched both the well known as well as some of the hidden credits that you can use to lower your rates.
- Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving could save 15% off PIP or medical payments premium.
- Own a Home and Save – Owning your own home or condo can earn you a little savings because maintaining a house requires a higher level of personal finance.
- Discount for Swiching Early – A few car insurance companies allow discounts for buying a new policy prior to your current policy expiration. This discount can save up to 10%.
- No Claim Discounts – Drivers with accident-free driving histories have much lower rates as opposed to insureds who have frequent claims or accidents.
- ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.
If you would like to see a list of insurance companies that offer some of these discounts, follow this link.
Tailor your insurance coverage coverage to you
When it comes to buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.
For example, these questions could help you determine if your situation might need professional guidance.
- Am I covered if my car is in a flood?
- Is my state a no-fault state?
- Where can I get insurance after a DUI in my state?
- Do I need PIP coverage since I have good health insurance?
- Is a fancy paint job covered?
- Do I have coverage when making deliveries for my home business?
- Does my 2017 FIAT 124 Spider need full coverage?
- Do I need motorclub coverage?
- When would I need additional glass coverage?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
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If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.
Insurance coverage specifics
Understanding the coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.
Auto collision coverage
Collision coverage will pay to fix damage to your 124 Spider caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision can pay for things like damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.
This coverage can cover injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.
Liability coverage protects against claims like legal defense fees, bail bonds and court costs. 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.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive auto coverage
This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, rock chips in glass and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance reimburse you for expenses such as X-ray expenses, pain medications, doctor visits and surgery. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Pennies from heaven
Drivers leave their current company for any number of reasons including being labeled a high risk driver, high prices, denial of a claim and even an unsatisfactory settlement offer. No matter why you want to switch, finding a new insurance company is less work than it seems.
We just presented many ways to compare 2017 FIAT 124 Spider insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the best car insurance rates are with a small mutual company.
Affordable 2017 FIAT 124 Spider insurance can be purchased online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not offer rate quotes online and usually these regional carriers only sell coverage through independent agents.
For more information, take a look at these articles:
- Auto Theft Statistics (Insurance Information Insitute)
- Uninsured Motorist Statistics (Insurance Information Insitute)
- Choosing a Car for Your Teen (State Farm)
- Airbag FAQ (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Insitute)
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