Save on 2018 FIAT 500X Insurance Quotes 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: Apr 7, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Do you get confused by the sheer number of auto insurance providers in your area? Consumers have so many providers to choose from that it is a chore to find the lowest price.

Auto insurance policy discounts you can’t miss

Auto insurance is easily one of your largest bills, but you may find discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time you complete a quote, but occasionally some discounts must be requested specifically prior to receiving the credit.

  • Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Passive Restraints – Vehicles with factory air bags may earn rate discounts of more than 20%.
  • Online Discount – Certain companies give back up to $50 for signing up over the internet.
  • Discount for Switching Early – Some insurance companies give discounts for switching policies early. This discount can save up to 10%.
  • Telematics Discount – People who choose to allow their insurance company to scrutinize their driving habits through the use of a telematics system like Allstate’s Drivewise could possibly reduce rates if they have good driving habits.
  • First Accident Forgiveness – Not really a discount, but some insurance companies will forgive one accident before hitting you with a surcharge if you have no claims for a certain period of time.
  • Discount for Multiple Policies – When you combine your homeowners and auto insurance with the same company they may give you a discount of at least 10 to 15 percent or more.

Remember that many deductions do not apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, nobody gets a free ride. Any qualifying discounts will lower your overall bill.

Some of the larger companies that have these benefits are:

  • State Farm
  • Esurance
  • Progressive
  • Liberty Mutual
  • Auto-Owners Insurance

When getting free insurance quotes, it’s a good idea to all companies you are considering the best way to save money. Some discounts might not be offered on policies in your area. To see a list of insurance companies with the best discounts, enter your zip code here.

Compare car insurance rates

When shopping for low cost insurance quotes, there are a couple of ways of comparing price quotes from different companies. The simplest method to find competitive FIAT 500X insurance rates consists of obtaining rate quotes online. This can be done in several different ways.

  1. If you are pressed for time, the simplest way to find the lowest comparison rates is a comparison rater form. This quick form eliminates the need for a different quote for each company. A single, simple form gets you coverage quotes from multiple companies. It’s definitely the quickest method.
  2. A less efficient way to analyze rates requires visiting each individual company website and get a separate price quote. For examples sake, we’ll pretend you want to compare State Farm, 21st Century and GEICO. To do that, you would have to take the time to go to each site to input your insurance information, which is not fast way to get rate quotes.

It’s up to you which method you use, but ensure you are comparing nearly identical coverages on every quote you get. If you enter different limits and deductibles on each one you can’t possibly find the best deal for your FIAT 500X. Having just a slight variation in limits can make a big difference in price. And when comparing car insurance rates, know that comparing all the rates in your area increases the change that you will find more affordable insurance.

Insurance agents can help

When choosing proper insurance coverage, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Should I buy more coverage than the required minimum liability coverage?
  • How can I force my company to pay a claim?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered when delivering products for my home-based business?
  • Is my custom paint covered by insurance?
  • Should I have combined single limit or split liability limits?
  • How many claims can I have before being cancelled?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out your zip code.

Detailed coverages of your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your FIAT 500X.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance

Liability coverage provides protection from damage that occurs to other’s property or people. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against things like emergency aid, attorney fees, funeral expenses, court costs and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for nursing services, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, vandalism and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision insurance pays for damage to your 500X from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, damaging your car on a curb, scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

One last thing

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The goal is to buy the best coverage you can find for the lowest price and still be able to protect your assets.

Drivers switch companies for many reasons like lack of trust in their agent, not issuing a premium refund, delays in paying claims or extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

You just learned many ways to compare 2018 FIAT 500X insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the best prices are with some of the lesser-known companies.

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