2018 FIAT 500L Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2024

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Looking for lower insurance rates for your FIAT 500L? Did you make the mistake of buying overpriced insurance? Believe me, many consumers feel financially strained by their insurance policy. Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

If you have a current insurance policy or are shopping for new coverage, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Finding the best rates is not rocket science. Consumers only need an understanding of how to find the lowest price over the internet.

How you can control FIAT 500L insurance costs

Part of the insurance buying process is learning the factors that go into determining the rates you pay for insurance. If you have a feel for what impacts premium levels, this allows you to make educated decisions that will entitle you to lower rates.

The list below includes just a few of the factors used by your company to calculate your rates.

  • Proper usage rating affects rates – Driving more miles every year the higher your rate. Most insurance companies charge rates partially by how you use the vehicle. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. An incorrectly rated 500L may be costing you higher rates. Verify your vehicle rating is rated on the correct driver usage.
  • Do you work long hours in a demanding vocation? – Occupations like real estate brokers, police officers and emergency personnel generally pay higher rates than average due to high stress levels and lots of time spent away from family. Other jobs such as actors, engineers and homemakers pay the least for 500L coverage.
  • Rates can drop if you have more than one policy – Most companies give lower prices to clients that buy multiple policies, otherwise known as a multi-policy discount. The discount can add up to ten or even fifteen percent. Even though this discount sounds good, it’s in your best interest to comparison shop to help guarantee you have the best rates.
  • Get a ticket, pay higher rates – A bad driving record impacts premiums far more than you think. Just one speeding ticket or other violation can boost insurance rates twenty percent or more. Careful drivers get better prices than bad drivers. Drivers who get license-revoking citations like reckless driving or DUI are required to file a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.

Don’t miss these money-saving discounts

Some companies don’t always advertise all their discounts in an easy-to-find place, so the below list has a few of the more well known and also the lesser-known ways to save on insurance. If you do not check that you are getting every discount possible, you’re just leaving money on the table.

  • Defensive Driver – Taking time to complete a driver safety course is a good idea and can lower rates if your company offers it.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Own a Home and Save – Just being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
  • No Claim Discounts – Good drivers with no accidents pay less in comparison to accident-prone drivers.
  • Senior Citizen Discount – If you’re over the age of 55, you may receive a small discount on rates for 500L coverage.
  • Accident Waiver – This isn’t a discount exactly, but some companies like Progressive, State Farm and GEICO may permit one accident without the usual rate increase as long as you don’t have any claims for a specific time period.
  • Pay Upfront and Save – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.
  • Telematics Data Discounts – People who choose to allow data collection to track vehicle usage remotely like Allstate’s Drivewise could possibly reduce rates if they have good driving habits.
  • E-sign Discounts – Many insurance companies will give you a small discount for completing your application on the internet.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts can receive discounts as much as 30%.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky. But all discounts should definitely cut the cost of coverage.

Companies that possibly offer some of the discounts shown above include:

  • State Farm
  • American Family
  • 21st Century
  • Progressive

When getting a coverage quote, ask each company which credits you are entitled to. A few discounts might not be available to policyholders everywhere. To choose insurance companies that have a full spectrum of discounts, enter your zip code here.

Do I need special coverages?

When it comes to choosing coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover whether your personal situation might need professional guidance.

  • Should I put collision coverage on all my vehicles?
  • Can I rent a car in Mexico?
  • Am I covered when delivering products for my home-based business?
  • Is a new car covered when I drive it off the dealer lot?
  • How much can I save by bundling my policies?
  • Am I covered if I break a side mirror?
  • Do I need to file an SR-22 for a DUI in my state?
  • When can I cancel my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages 101

Having a good grasp of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverages found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your FIAT 500L.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like hospital visits, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability – Liability insurance can cover damages or injuries you inflict on other’s property or people. It 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 per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, bail bonds, loss of income, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – Collision coverage covers damage to your 500L from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, vandalism, fire damage, hitting a deer and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Make a quick buck

We’ve covered some good ideas how you can get a better price on 2018 FIAT 500L insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with a lesser-known regional company. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as Progressive or GEICO.

More affordable car insurance can be found from both online companies as well as from independent agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers may not offer rates over the internet and usually these regional insurance providers only sell through independent agencies.

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