Are you sick and tired of trying to scrape together enough money to buy car insurance? You’re in the same situation as millions of other consumers. There is such a variety of insurance companies to purchase coverage from, and even though it’s nice to be able to choose, so many choices can make it hard to compare company pricing.
There are a lot of ways to shop for insurance coverage, but some are easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you could use the internet to get prices fast.
Most car insurance companies enroll in a system that allows shoppers to submit one quote, and each company then gives them pricing based on the submitted data. This eliminates the need for form submissions for every insurance coverage company.
To fill out one form to compare multiple rates now click to open in new window.
One minor caviat to pricing coverage this way is you are unable to specify which carriers to get quotes from. So if you prefer to pick individual companies to compare prices, we have a page of companies who write insurance coverage in your area. View list of insurance companies.
It’s your choice how you get your quotes, but compare the exact same deductibles and coverage limits with each company. If each company quotes mixed coverages it’s impossible to find the best deal for your FIAT 500.
Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be specially asked for prior to receiving the credit. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will cut your premiums.
For a list of insurance companies offering insurance coverage discounts, click this link.
When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover whether your personal situation would benefit from professional advice.
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.
Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most auto insurance policies.
Comprehensive auto insurance
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hitting a bird, vandalism, fire damage and damage from getting keyed. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Coverage for medical expenses
Med pay and PIP coverage reimburse you for immediate expenses for things like pain medications, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
This can cover damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability insurance covers things such as funeral expenses, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.
Collision coverage pays for damage to your 500 resulting 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 such as rolling your car, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2013 FIAT 500.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.
We covered some good ideas how you can save on 2013 FIAT 500 insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the most savings is with the smaller companies. They may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.
As you restructure your insurance plan, do not skimp on coverage in order to save money. There are too many instances where an insured dropped collision coverage only to regret that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
Additional information can be found on the following sites: