Cheap 2009 BMW 1 Series Car Insurance Rates

Searching for the cheapest insurance rates for your BMW 1 Series? Comparison shopping for cheaper Driversinsurance is always frustrating for drivers new to quoting coverage rates online. There are so many companies to choose from that it can easily be hard work to find better rates.

It’s a good habit to price shop coverage quite often because rates fluctuate regularly. Just because you had the lowest rate on 1 Series coverage last year you can probably find a lower rate today. There is too much inaccurate information about insurance online, but we’re going to give you some excellent ideas to find affordable insurance.

The most recommended method to get policy rate comparisons is to take advantage of the fact auto insurance companies participate in online systems to compare their rates. The only thing you need to do is take a few minutes to give details like which vehicles you own, whether or not you need a SR-22, whether your vehicle is owned or leased, and deductibles desired. Your insurance information is instantly sent to many highly-rated insurers and you will get price comparisons almost instantly.

To check rates for your 2009 BMW 1 Series now, click here and complete the form.

Insurance buyers beware

Popular insurance providers such as 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to convey the message that you’ll save big if you switch your coverage to them. How is it possible that every company can cost less than your current company? It’s all in the words they use.

Most companies have strict underwriting profiles for the type of customer that will add to their bottom line. One example of this type of driver could possibly be over the age of 45, owns their home, and drives a vehicle with a low ISO rating. Anybody that fits those parameters will most likely get cheap rates and will also cut their rates if they switch.

Consumers who don’t meet those standards will have to pay a more expensive rate and this can result in the customer buying from someone else. The ads state “drivers who switch” but not “all drivers who get quotes” save money. That’s why insurance companies can confidently claim big savings. Different companies use different criteria so you need to do a rate comparison at every renewal. It is just not possible to predict which insurance companies will have better car insurance rates than you’re paying now.

Informed drivers know how to quote insurance more affordably

Many factors are considered when you get a price on insurance. Some of the criteria are obvious such as your driving history, although others are more transparent such as your credit history or your financial responsibility.An important part of buying insurance is that you know some of the elements that help determine the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower premium levels.

Shown below are some of the major factors used by insurance companies to determine rates.

  • Do you have enough liability? – Your insurance policy’s liability coverage provides coverage if you are found liable for causing damage or personal injury in an accident. It will provide legal defense which can cost a lot. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Safer vehicles cost less to insure – Safer cars cost less to insure. The safest vehicles help reduce the chance of injuries in an accident and fewer serious injuries means lower claim amounts and more competitive rates for policyholders.
  • Lower rates for married couples – Having a significant other can actually save you money on your policy. Marriage is viewed as being more stable financially and statistics show being married results in fewer claims.
  • No policy lapses saves money – Allowing your coverage to lapse is a fast way to increase your rates. And not only will your rates increase, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license.

Discount insurance coverage quotes

The price of auto insurance can be rather high, but you may qualify for discounts to help offset the cost. Certain reductions will be credited when you quote, but once in a while a discount must be asked for before being credited.

  • Fewer Miles Equal More Savings – Fewer annual miles on your BMW can qualify you for better prices on cars that stay parked.
  • Defensive Driver Discount – Participating in a course that instructs on driving safety may get you a small discount if you qualify.
  • Discounts for Cautious Drivers – Safe drivers can pay as much as 50% less on 1 Series coverage as compared to drivers with claims.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Mature Driver Discount – Seniors may be able to get a discount up to 10% on 1 Series coverage.
  • Sign Early and Save – A few insurance coverage companies allow discounts for switching policies prior to your current policy expiration. You can save around 10% with this discount.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
  • Federal Government Employee – Having worked for a branch of the government could cut as much as 10% off on 1 Series coverage with a few insurance coverage companies.

One last thing about discounts, most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

If you would like to choose from a list of providers that provide some of the discounts listed above, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

  • Will my rates increase for filing one claim?
  • When should I buy a commercial auto policy?
  • Is a blown tire covered by insurance?
  • When should I remove comp and collision on my 2009 BMW 1 Series?
  • What can I do if my company won’t pay a claim?
  • Do I have coverage if my license is suspended?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when delivering products for my home-based business?
  • Where can I get insurance after a DUI in my state?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage options for a BMW 1 Series

Learning about specific coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision insurance

Collision insurance covers damage to your 1 Series resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, hitting a parking meter, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, legal defense fees, funeral expenses and medical services. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, a tree branch falling on your vehicle and theft. The highest amount a car insurance company will pay at claim time 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.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for prosthetic devices, doctor visits, X-ray expenses and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your BMW 1 Series.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Quote more. Save more.

We just presented many tips how you can shop for 2009 BMW 1 Series insurance online. It’s most important to understand that the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from the smaller companies.

Consumers leave their current company for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, policy non-renewal or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new company can be less work than you think.

When shopping online for auto insurance, you should never skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage and found out when filing a claim that it was a big mistake. Your strategy should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

More tips and info about auto insurance can be read by following these links:

Comments About 1 Series Insurance

  1. Jena Skinner

    What does medical payments cover?

  2. Natosha Frye

    If you’re a decent driver and live around Henderson, NV, check out Progressive. I saved quite a bit. Insured with Sentry before. I get a discount for insuring multiple vehicles. Wish I didn’t have to insure at all.

  3. Kyle Vang

    I’ve insured with State Farm for a long time. Pretty cheap in Great Falls, MT.

  4. Lavern Gilbert

    I live just outside Houston, TX. I got free quotes with AIG Insurance, Safeco, and a few others for my BMW and saved just over $80 a year. Insured with MetLife before. Good savings if you bundle. Full coverage costs too much.

  5. Noriko Lee

    Is State Farm cheap in Davenport, IA?

  6. Devorah Davenport

    I’m in the north part of Saint Paul, Minnesota. Don’t remember every company but I ended up saving about $20 each month. Switched homeowners coverage too. Just go online and compare their rates.

  7. Nancy Rosa

    Quoted with GEICO for my BMW and saved about $80 a year.

  8. Tomika Tanner

    I found pretty cheap rate quotes for a 1 Series in Las Vegas, NV. Ended up at roughly $70 every six months with American Family. A clean driving record helps. It never hurts to quote around.

  9. Karolyn Lang

    Hope my rates come down. From Saint Paul, MN. Compared rates from a lot of places. Saved right around $30 a month. Progressive was the best choice for me. I get a discount for insuring multiple vehicles.

  10. Shelton Powers

    If you have a clean record and are close to Frederick, Maryland, check out Allstate. I saved quite a bit. Moved home policy as well. You can get a rate quote online. I don’t put full coverage on it.

  11. Eboni Sanford

    Got a quote with American Family for my 2009 BMW 1 Series and saved about $70 a year. Might find lower rates online.

  12. Delcie David

    Great site. Located in Rutland, VT. Compared quite a few companies. Saved darn near $20 a month. 21st Century was the most affordable for me. Was with Erie. I have a teen driver too. I used their online quote form to compare rates.

  13. Daniele Goff

    In New York City, New York, State Farm is a good choice. Thankfully I’m not a high risk driver. It’s still not cheap enough.

  14. Onita Newman

    I got decent rates for a 1 Series in Raleigh, North Carolina. Ended up at roughly $120 every six months with American Family. I have a teen driver too. Hardly afford to drive anymore.

  15. Phillis Davidson

    Progressive is cheapest in Virginia! :)

  16. Marin Buckner

    Not sure what I should be paying. I’m from New Orleans, LA. Got car insurance quotes from GMAC, American Family, Sentry, and a couple others for my 1 Series and saved $101 a year. Was with Erie.