text: Quote Fiat 124 Spider Insurance in Plano
  Vehicle options that lower premiums - Buying a car with a theft deterrent system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.
  High performance equals high costs - The performance level of the car, truck or SUV you are insuring makes a huge difference in your rates. Smaller low performance passenger cars generally receive the lowest base rates, but many other things help determine your insurance rates.
  Save money with excellent credit - A driver's credit score can be a huge factor in determining premium rates. Drivers who have high credit ratings tend to file fewer claims and have better driving records as compared to drivers with bad credit. So if your credit history is lower than you'd like, you could pay less to insure your Fiat 124 Spider by repairing your credit.
  What are your comp and collision deductibles? - Coverage for physical damage, also called comprehensive and collision insurance, protects your Fiat from damage. Some examples of claims that would be covered are a windshield shattered by a rock, flood damage, and damage from a fallen tree branch. Physical damage deductibles tell how much you are willing to pay out-of-pocket if a claim is determined to be covered. The larger the amount the insured has to pay upfront, the less your auto insurance will be.
  Prices can change based on your address - Choosing to live in smaller towns and rural areas of the country may provide you with better prices when talking about auto insurance. Lower population translates into fewer accidents in addition to fewer liability claims. Drivers who live in large Texas cities regularly have congested traffic and more time behind the wheel. Longer commute distances means higher likelihood of an accident.
  Gender matters - Over the last 30 years, statistics show that women are safer drivers than men. It does not mean males are worse at driving than females. Males and females cause at-fault accidents at about the same rate, but the male of the species tend to have more serious accidents. Not only are claims higher, but men have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Young males are the most expensive to insure and therefore pay the highest rates.
  How your age affects premiums - Older people have been proven to be more responsible, cost insurance companies less in claims, and usually have better credit. Inexperience drivers are known to be careless and easily distracted with other occupants in the car so they pay higher auto insurance rates.
  Do you really need roadside assistance? - Insurance companies have many add-on coverages you can purchase when buying auto insurance. Insurance for things like rental car coverage, better glass coverage, and extra life insurance coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but if you have no use for them consider taking them off your policy.
  Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even know about. Many of these discounts will be applied automatically when you complete an application, but less common discounts must be asked for before being credited. If you aren't receiving every discount possible, you are throwing money away.
  Home Ownership Discount - Simply owning a home can get you a discount because maintaining a house requires personal responsibility.
  College Student - Kids who live away from home to go to college without a vehicle on campus can receive lower rates.
  Data Collection Discounts - Insureds who allow data collection to look at their driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
  Good Student - Excelling in school may save as much as 25% on a Plano car insurance quote. The good student discount can last up to age 25.
  No Charge for an Accident - Not a discount per se, but some companies like Progressive, Allstate, and Liberty Mutual permit an accident without the usual rate increase with the catch being you have to be claim-free for a particular time prior to the accident.
  As a sidenote, some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you aren't that lucky. But any discount will help lower your policy premium.
  Drivers leave their current company for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, poor customer service and even delays in responding to claim requests. It doesn't matter what your reason, choosing a new company can be easy and end up saving you some money.