Fiat FIAT 124 Spider Insurance Rates

There are many options when shopping for car insurance for your Fiat FIAT 124 Spider. You can either contact a local agent or shop online to compare rates from lots of different providers. Shopping for car insurance through online providers is easy and there is a good chance you might just save a little.

Consumers not familiar with shopping for insurance may think finding cheap Fiat FIAT 124 Spider insurance is hard and time consuming. Lowering your Fiat FIAT 124 Spider insurance rates is surprisingly easy. You just need to take a few minutes to get quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Auto insurance rates for a Fiat FIAT 124 Spider can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your FIAT 124 Spider
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Young drivers cost more
• Whether you are married
• Extra coverages like towing and rental
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor that will help determine Fiat FIAT 124 Spider insurance cost is the model year. Newer models have a higher replacement value in comparison to later models so repair costs are higher which may result in higher rates. Conversely, more recent FIAT 124 Spider vehicles may have a trim level with safety features such as forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification which may lower rates.

Liability auto insurance

Liability insurance will cover damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your FIAT 124 Spider caused by collision with another car or object. A deductible applies and then insurance will cover the remainder. Fiat FIAT 124 Spider collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your Fiat FIAT 124 Spider comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance program or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.