Cheaper 2021 FIAT 500X Car 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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Drivers have options when trying to find low-cost FIAT 500X insurance. They can either spend hours driving around trying to get quotes or leverage the internet to find the lowest rates.

There is a better way to shop for car insurance and you need to know the absolute fastest way to compare rates for your FIAT and get the lowest price from local insurance agents and online providers.

You should make it a habit to price shop coverage before your policy renews because prices go up and down regularly. If you had the best rates for 500X coverage two years ago you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to teach you the things you must know in order to find lower rates on car insurance.

The purpose of this article is to tell you how car insurance quotes work and some tips to save money. If you have car insurance now, you will be able to lower your premiums substantially using these tips. Vehicle owners just need to understand the best way to get comparison quotes on the web.

The easiest way to compare policy rates is to take advantage of the fact auto insurance companies actually pay money for the chance to compare rate quotes. The one thing you need to do is give them some information such as whether your vehicle is owned or leased, an estimate of your credit level, how much education you have, and the make and model of your vehicles. Those rating factors gets sent immediately to multiple companies and you should receive rate quotes immediately.

To get price quotes for your 2021 FIAT 500X now, click here and find out if you can get cheaper insurance.

Can switching companies really save?

Consumers constantly see and hear ads for the lowest price auto insurance by State Farm and Allstate. They all state the claim about saving some big amount just by moving your auto insurance policy to them.

Is it even possible that every company can lower your premium rates? This is the way they can do it.

Different companies give the best rates for the driver that earns them the most money. An example of a desirable risk might be a married female, has had continuous coverage, and has a short commute. Anybody who fits that profile gets the lowest car insurance rates and have a good chance to save quite a bit of money when switching.

Insureds who may not quite match these standards will probably have to pay a higher rate which translates to the customer not purchasing. The trick is to say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can confidently claim big savings.

Because of the profiling, drivers must do a quote comparison often. You cannot predict with any certainty which company will fit you best based on your risk profile.

Cheaper rates with these discounts

Auto insurance companies don’t list all discounts in a way that’s easy to find, so the next list breaks down a few of the more common as well as some of the hidden ways to save on insurance coverage.

  • Switch and Save Discount – Select insurance companies give a discount for signing up prior to your current policy expiring. You may see this discount when you get auto insurance quotes online.
  • Bundled Policy Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you will save nearly 15% which can help you find cheap auto insurance.
  • Safe Driver Discount – Insureds without accidents could pay up to 40% less for 500X coverage than their less cautious counterparts.
  • Defensive Driving Course – Completing a defensive driver course could cut 5% off your bill and also improve your driving technique.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
  • Waiver for an Accident – but some insurance companies will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
  • Telematics Data – Drivers that enable their company to track driving manner remotely such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if their driving habits are good.
  • Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Professional Organizations – Joining qualifying clubs or civic groups is a simple method to lower premiums on your bill.

Please keep in mind that many deductions do not apply to the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you aren’t that lucky. Any amount of discount will definitely reduce your policy premium.

A few popular companies and the discounts they provide are shown below.

  • Farmers Insurance offers discounts including electronic funds transfer, multi-car, pay in full, business and professional, mature driver, bundle discounts, and homeowner.
  • Esurance offers premium reductions for defensive driver, good student, emergency road assistance, Switch & Save, online quote, and claim free.
  • State Farm offers discounts for good student, Steer Clear safe driver discount, passive restraint, multiple policy, multiple autos, and student away at school.
  • GEICO may have discounts that include multi-vehicle, five-year accident-free, multi-policy, anti-lock brakes, federal employee, seat belt use, and defensive driver.
  • Allstate has discounts for eSmart discount, multi-policy, passive restraint, premier plus, and farm vehicle.

Before purchasing a policy, check with each company which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in your area.

Insurance can be complex

When it comes to buying proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions can help discover whether or not you might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • How high should my medical payments coverage be?
  • Am I covered when pulling a rental trailer?
  • How do I file an SR-22 for a DUI in my state?
  • Should I have a commercial auto policy?
  • What is UM/UIM insurance?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out your zip code. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your FIAT 500X.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Liability coverage – This coverage provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, bail bonds and loss of income. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like prosthetic devices, X-ray expenses, chiropractic care, funeral costs and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – Collision insurance covers damage to your 500X resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, hail damage, a broken windshield and a tree branch falling on your vehicle. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Quote more. Save more.

People who switch companies do it for many reasons like not issuing a premium refund, high prices, policy cancellation and extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.

Budget-friendly car insurance can be purchased online and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not have internet price quotes and many times these small insurance companies work with independent agents.

Throughout this article, we presented some good ideas how to reduce 2021 FIAT 500X insurance premium rates online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding cheap auto insurance. Consumers may even find the lowest premium rates come from some of the lesser-known companies.

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