2020 FIAT 500L Insurance Rates
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UPDATED: May 1, 2020
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Average insurance rates for a 2020 FIAT 500L are $1,370 a year with full coverage. Comprehensive costs on average $268, collision insurance costs $482, and liability costs $440. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,956. Teenage drivers receive the highest rates at up to $5,212 a year.
Annual premium for full coverage: $1,370
Rate estimates for 2020 FIAT 500L Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2020 FIAT 500L models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $510 for basic liability insurance to the much higher price of $2,956 for a driver who has had serious violations or accidents.
These differences demonstrate why everyone should compare rates based on a specific location and risk profile, instead of using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2020 FIAT 500L Insurance
Have you finally had enough of sacrificing each month for insurance coverage? You’re in the same situation as many other drivers. Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurance company and uncover the absolute best price available.
You should take the time to get comparison quotes quite often since prices are rarely the same from one policy term to another. Even if you think you had the lowest rate on 500L insurance on your last policy a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance coverage because we’re going to show you one of the easiest ways to properly buy coverages and cut your premium.
If you have a current insurance coverage policy or are shopping for new coverage, you can follow these tips to find better prices while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Drivers only need to know the most effective way to find the lowest price on the web.
Finding insurance coverage
Effectively comparing insurance coverage prices can be a lot of work if you don’t know the most efficient way. You can waste hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.
Most of the best insurance companies belong to a marketplace where prospective buyers complete one form, and each participating company provides a quote based on the submitted data. This prevents consumers from doing repetitive form submissions to every company. To find out how much you’re overpaying now enter your zip code here.
The only downside to comparing rates this way is that you can’t choose the insurers you want to price. So if you prefer to choose specific providers to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click to enter zip code for insurance companies.
It’s up to you which method you use, but make sure you are using exactly the same quote information for each quote you get. If the quotes have unequal deductibles or liability limits you will not be able to determine the best price for your FIAT 500L.
Take advantage of every insurance coverage discount
Auto insurance companies don’t necessarily list every available discount very clearly, so the following is a list of both well-publicized and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you don’t get every credit you qualify for, you’re just leaving money on the table.
- Include Life Insurance and Save – Some insurance companies give a lower insurance coverage rate if you buy auto and life insurance together.
- Anti-theft System – Vehicles optioned with advanced anti-theft systems help deter theft so companies will give you a small discount.
- Professional Memberships – Joining specific professional or occupational memberships or organizations could earn you a nice discount on your next insurance coverage statement.
- Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and will save you 10% or more.
- Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on 500L insurance with some insurance coverage companies.
- Seat Belt Usage – Drivers who require all occupants to buckle up before driving could cut 10% or more off the personal injury premium cost.
While discounts sound great, it’s important to understand that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.
To see a list of insurers that can offer you the previously mentioned discounts, enter your zip code here.
How to know if you need help
When it comes to choosing adequate coverage, there is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can help discover whether you may require specific advice.
- Can I afford low physical damage deductibles?
- Am I covered when driving on a suspended license?
- What is the rate difference between pleasure use and commuting?
- What is high-risk coverage and where do I buy it?
- Can I make deliveries for my home business?
- Does my policy pay for OEM or aftermarket parts?
- What is an SR-22 filing?
If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and enter your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.
Educate yourself about insurance coverages
Knowing the specifics of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.
Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like colliding with another moving vehicle, rolling your car, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.
Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2020 FIAT 500L.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like surgery, EMT expenses, ambulance fees, chiropractic care and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Liability auto insurance – Liability insurance protects you from damage that occurs to other people or property in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.
Liability can pay for claims such as court costs, attorney fees, medical services and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as hitting a bird, a tree branch falling on your vehicle, damage from flooding, vandalism and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Rates by U.S. City
|New York City, NY||$2,163|
|Los Angeles, CA||$2,337|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$97|
|5-yr Claim Free||$87|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.