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Fiat Insurance

Cheap Fiat Car Insurance

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Fiat Car Insurance


Types of car insurance for a Fiat

Fiat insurance provides financial protection for your vehicle on UK roads. The minimum legal requirement is third-party insurance. You can choose one of three options for cover, as well as adding additional coverage to suit your needs. 

Comprehensive car insurance for a fiat

Comprehensive car insurance offers the most protection. It covers your Fiat against damage, theft, and claims from others. This means your car has protection if it gets damaged in a crash, catches fire, or someone steals it. It also includes third party coverage, which pays for harm or damage your car causes to other people or their property.  

Third party only Fiat insurance

Third-party only insurance is the bare minimum UK law requires. It pays for harm or damage your Fiat causes to other people and their property, but it doesn’t cover any damage to your own car. Given third party only insurance is the lowest level of coverage you can get in the UK, you would be forgiven for thinking that it is the cheapest option. However, that’s not always the case. Our latest research shows that third party policies are now 73% more expensive than fully comprehensive car insurance for an average driver.  

Third party, theft and fire car insurance

Third party, theft, and fire insurance gives you the same protection as third party, but it also covers your Fiat if someone steals it or if a fire damages it. This option can strike a balance giving you more safety than just third party coverage, but less coverage than a fully comp policy.  

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Additional coverage available for a Fiat

Protecting your Fiat can go beyond the basic insurance policies. Here are some additional coverage options that can enhance your policy. 

How can I get cheap fiat insurance quotes?

Getting cheap Fiat insurance quotes involves a few key strategies. By following these tips, you could lower your premiums and find a cheaper deal. 

Give an accurate annual mileage

Be realistic about your estimated mileage to avoid overpaying for coverage you don’t need. If you’re planning to use your Fiat as a second car then make sure you let your insurer know.  Often lower mileage correlates with a lower risk of accidents which can lead to a discount on your insurance quote.  

Improve the security of your car

Taking steps to improve the security features on your Fiat will not only help to add to your peace of mind but could also mean discounts on your insurance. Insurance quotes are always about calculating risk so any measures to reduce the risk of your car being stolen or vandalised will typically be rewarded by an insurer. 

Avoid making modifications

Changing your Fiat often has an impact on your insurance rates. Tweaks to the engine, body, or even adding custom wheels can cause your premium to go up. Keeping your car in its original state can help to maintain lower costs. 

Pay your premium annually

Opting to pay your insurance premium once a year instead of monthly can help you save money. Monthly payments often include extra interest, which makes your policy more expensive overall. 

Increase the excess on your policy

Raising your voluntary excess can reduce your premium. But keep in mind that you’ll need to cover this amount if you make a claim. So pick an excess you can manage. 

Choose appropriate coverage

Choosing extra add-ons for your policy can be nice to have, but some simply won’t match your insurance requirements. Take a close look at what you need and pick coverage that fits your needs and budget. This way, you won’t end up paying for features that aren’t essential for your Kia insurance.  

Shop around and compare Fiat insurance quotes

Make sure to check insurance prices from different companies. Using websites that compare prices like Quotezone.co.uk can help you find a cheap deal for your Fiat insurance. Our customers found they were able to save up to £530* when comparing car insurance with Quotezone.co.uk.  

How much does it cost to insure a Fiat 500?

Your age, driving experience, and location all play a role in determining the cost to insure a Fiat 500. While Fiat 500 insurance tends to be budget-friendly, it’s smart to shop around and compare different quotes to get the best deal. 

Fiat car insurance groups

Understanding the insurance group of your Fiat can help you estimate insurance costs. Each model is assigned to a group based on factors like market value, performance and repair costs. 

Fiat Model Insurance Group  Comments  
Fiat 500 Lower (Group 1-6) One of the cheaper Fiats to insure due to its small size and lower engine power. 
Fiat Punto Mid-range (Group 7-14) Relatively inexpensive to insure; costs vary based on the specific model and engine size. 
Fiat Panda Lower to Mid-range (Group 1-10) Compact size and safety features help keep insurance costs reasonable. 
Fiat 500X Higher (Group 15-20) Larger and more powerful vehicle, resulting in higher insurance costs compared to Fiat 500. 
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Fiat car insurance FAQs

Is a Fiat 500 cheap to insure?

Yes, the Fiat 500 is generally cheap to insure due to its small size, low engine power, and good safety features. However, insurance costs are based on more than just the car’s model. Your age, driving history, location and no claims bonus all dictate what you’ll pay. So, it’s best to compare personalised quotes to get accurate costs for Fiat 500 insurance. 

Can i get fiat insurance for a 17 year old?

Yes, but it can be expensive. Young drivers are seen as high risk, so insurance costs are higher. Young drivers in the UK face some of the steepest insurance premiums. According to our latest research, in London, young drivers could expect to pay a whopping 78% more than a motorist aged 45 to 65 in the same area. However, some insurers offer specific policies designed to help reduce costs for young Fiat drivers. These can include telematics or black box insurance, which keeps an eye on how you drive and rewards safe driving with cheaper premiums. 

Is a fiat 500 a good first car?

Yes, the Fiat 500 is a popular choice for new drivers. It’s affordable to buy, cheap to run, and usually has lower insurance costs when compared to more powerful and expensive cars.  

*51% of consumers could save £529.95 on their car insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier. 

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*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.