Compare 2020 FIAT 500X 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: Apr 7, 2024

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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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If online insurance coverage comparisons are new to you, chances are good that you are baffled due to the large number insurance agents and companies who claim to have the best insurance coverage rates.

Compare free car insurance price quotes

To get the cheapest insurance quotes, there a variety of ways to obtain and compare prices from local car insurance companies. The easiest way to compare rates involves getting comparison quotes online. This can be done using a couple different methods.

  • The fastest and easiest way consumers can make multiple comparisons would be an industry-wide quote request form. This style of form keeps you from doing a different quote for every prospective company. Filling out one form gets insurance cost estimates from several companies. It’s the quickest way to get rates.
  • A harder way to compare rate quotes is spending the time to visit the website for every company you want to compare to complete a price quote. For instance, let’s assume you want to compare Farmers, GEICO and American Family. In order to compare rates, you need to spend time on each company’s site and enter your policy data, which can get rather old.
  • The most difficult method to shop rates is making phone calls or going to insurance agents’ offices. Comparing rate quotes online has made agencies unnecessary unless your situation requires the personal advice that can only be provided by a licensed insurance agent. Drivers can get prices online and still use a local agent.

The approach you take is up to you, just try to use nearly identical coverage information for each price quote. If you have higher or lower deductibles you can’t possibly find the best deal for your FIAT 500X. Just a small difference in insurance coverages or limits can make a big difference in price. Keep in mind that getting more free quotes helps improve the odds of finding a better price. Some companies don’t provide quotes online, so you also need to get rates on coverage from those companies, too.

Cheaper rates with these discounts

Some insurers don’t always list every possible discount very well, so we break down both the well known in addition to some of the lesser obvious credits available to bring down your rates. If you do not check that you are getting every discount possible, you’re just leaving money on the table.

  • E-sign Discounts – Certain larger companies give back up to $50 for buying your policy digitally online.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to wear their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Multi-car Discount – Drivers who insure multiple vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
  • First Accident Forgiveness – Not really a discount, but a handful of insurance companies will allow you to have one accident before they charge you more for coverage if you have no claims for a certain period of time.
  • Anti-lock Brake System – Cars equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better insurance coverage rates if you take out some life insurance too.
  • Cautious Drivers – Drivers without accidents can save up to 40% or more on their insurance quote for 500X insurance compared to accident prone drivers.
  • Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • New Car Discount – Buying a new car model can be considerably cheaper because newer models have to meet stringent safety requirements.

Just know that some credits don’t apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. Despite the appearance that you can get free auto insurance, you aren’t that lucky.

A few popular companies and a summarized list of policyholder discounts can be found below.

  • Progressive policyholders can earn discounts including online signing, continuous coverage, homeowner, multi-policy, online quote discount, multi-vehicle, and good student.
  • GEICO has discounts for multi-policy, air bags, anti-theft, military active duty, federal employee, and membership and employees.
  • State Farm may include discounts for Drive Safe & Save, defensive driving training, student away at school, Steer Clear safe driver discount, and good student.
  • Esurance has savings for emergency road assistance, good driver, multi-policy, multi-car, renters, Switch & Save, and defensive driver.
  • The Hartford discounts include good student, vehicle fuel type, defensive driver, anti-theft, and bundle.

If you need lower rates, check with each insurance company how many discounts you can get. Savings may not apply to policyholders in your state. For a list of providers that offer multiple discounts, enter your zip code here.

Learn how to lower your insurance rates

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that go into determining the level of your policy premiums. When consumers understand what controls the rates you pay, this allows you to make good choices that will entitle you to lower auto insurance prices.

Listed below are some of the factors companies use to determine prices.

  • Marriage can save you money – Having a wife or husband may earn you lower rates on your auto insurance policy. It demonstrates that you tend to be less irresponsible and statistics prove drivers who are married file infrequent claims.
  • Only buy what you need – There are a ton of additional coverages that you can buy if you aren’t diligent. Add-on coverages like replacement cost coverage, towing coverage, and additional equipment coverage may not be needed and are just wasting money. You may think they are a good idea at first, but if you have no use for them consider taking them off your policy.
  • More than one policy can earn a discount – The majority of insurers afford better rates for people who carry more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount drivers will still want to check prices from other companies to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.
  • Deter theft and pay less – Owning a car that has a built-in theft deterrent system can save you some money. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your car from being stolen.
  • Insurance claims cost money – If you file claims often, don’t be surprised to see either policy cancellation or increased premiums. Insurance companies give most affordable rates to people who are claim-free. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Proper usage rating affects premiums – The more you drive every year the more you will pay for auto insurance. Many insurance companies charge rates based on how the vehicle is used. Cars not used for work or commuting get more affordable rates than vehicles that are driven to work every day. An improperly rated 500X may be wasting your money. Make sure your auto insurance policy states annual mileage, because it can save money.
  • Vocation stress can make you pay more – Did you know that where you work can have an impact on rates? Jobs such as military generals, airline pilots and miners usually pay the highest average rates because of job stress and incredibly demanding work hours. On the other hand, careers such as scientists, historians and retirees receive lower rates for 500X insurance.
  • Liability coverage limits should be high – Liability insurance kicks in if you are found liable for damages from an accident. Liability provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive when compared with rates for comp and collision, so do not skimp.

Auto insurance can be complex

When it comes to buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can aid in determining whether you may require specific advice.

  • Does car insurance cover theft of personal property?
  • What discounts do I qualify for?
  • Can I get a multi-policy discount?
  • Do all my vehicles need collision coverage?
  • I don’t drive much so do I pay less?
  • Is extra glass coverage worth it?
  • Where can I find high-risk insurance?
  • Is my custom paint covered by insurance?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Save $464 a year! What?

Big name companies like GEICO, State Farm and Progressive endlessly run television and radio advertisements. All the ads make the same claim about savings just by switching your policy. It sounds good, but how can they all charge lower premium rates? This is how they do it.

Most companies have a preferred profile for the type of customer that will be a good risk. A good example of a driver they prefer might be described as between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. Anybody that fits those parameters will get the preferred car insurance rates and will save quite a bit of money when switching.

Consumers who don’t qualify for the “perfect” profile will be charged more expensive rates which results in the prospect going elsewhere. If you pay attention, the ads say “customers that switch” not “everyone that quotes” can get the lowest rates when switching. This is how insurance companies can confidently lure you into getting a quote. This illustrates why you should get price quotes at each policy renewal. You cannot predict the company that will have the lowest premium rates for your situation.

Car insurance coverage information

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2020 FIAT 500X.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, falling objects, hitting a deer, a tree branch falling on your vehicle and fire damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for chiropractic care, dental work, hospital visits, prosthetic devices and EMT expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage covers damage to your 500X resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, colliding with a tree, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance provides protection from damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like bail bonds, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

A little work can save a LOT of money

We’ve covered many ways to save on 2020 FIAT 500X insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. You may even find the lowest priced insurance comes from a smaller regional carrier.

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There have been many cases where drivers have reduced liability limits or collision coverage and learned later that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

People switch companies for a variety of reasons including delays in responding to claim requests, being labeled a high risk driver, an unsatisfactory settlement offer or even denial of a claim. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.

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