Step-by-step Guide to Cheaper Fiat 500c Insurance
If buying car insurance was fun, we'd do it as a recreational sport. But more than likely, it's challenging for most people and we always end up paying more than we want. Insuring your Fiat 500c is probably no exception.
Step One: Insurance Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Welcome to the 21st century!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Fiat 500c without even visiting their websites!
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your 500c is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: How to Cut Costs on 500c Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your 500c insurance rates.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- How is your credit rating? The better credit you have, the less insurance will cost for your 500c. If you have bad credit, work on improving your credit score and repair past credit problems.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Newer car models are coming standard with advanced passenger safety systems, and these help reduce the risk of injury in an accident. Less injuries mean lower insurance rates.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your 500c falls into either category, it could cost you.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- If switching companies, always have the effective date of the new policy be identical to the expiration date on the old policy. This prevents a lapse in coverage and companies charge higher rates if you have any lapses.
Step Three: Choose a Company and Bind Coverage
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Fiat off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. Be sure to have a new policy ready to go if you are buying a new 500c. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
For more detailed car insurance topics, visit the Insurance Information Institute.
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