How Much Does 2010 BMW 6 Series Insurance Cost?

Searching for better auto insurance rates for your BMW 6 Series? Trying to come up with a payment for pricey auto insurance can consume your accounts and make it impossible to make ends meet. Comparing rates annually is a fast and free way to lower your monthly bill.

Online insurance companies like State Farm, Allstate, Geico and Progressive increase brand awareness with advertising and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

You should make it a habit to do rate comparisons once or twice a year since rates change regularly. If you had the best premium rates on 6 Series insurance six months ago you can probably find a better price now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.

If you are paying for car insurance now, you should be able to cut costs considerably using these tips. Finding affordable coverage is quite easy. Nevertheless, vehicle owners need to learn the way companies market on the web because it can help you find the best coverage.

How to buy car insurance online

There are multiple methods you can shop for car insurance but one way is less labor-intensive and much quicker. You could waste time talking to insurance agencies in your area, or you can stay home and use online quoting for quick rates.

Many of the larger companies participate in an industry program that enables customers to only type in their quote data once, and each participating company returns a rated price for coverage. This system prevents you from having to do quote requests to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The only downside to comparing rates this way is you cannot specify which companies you will receive quotes from. So if you prefer to pick specific providers to compare prices, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using identical coverage limits and deductibles for each comparison quote. If you have different deductibles then you won’t be able to determine the best price for your BMW 6 Series. Having just a slight variation in coverages may cause a big price difference. And when comparison shopping, comparing more company’s prices increases the change that you will find a lower rate than you’re paying now.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise every discount very clearly, so here is a list some of the best known as well as the least known credits that you can use to lower your rates.

  • Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you can actually save on your bill.
  • Professional Organizations – Belonging to a professional or civic organization can get you a small discount when getting a auto insurance quote.
  • ABS Brakes – Cars with ABS and/or traction control are safer to drive so companies give up to a 10% discount.
  • Drive Less and Save – Low mileage vehicles can qualify you for cheaper rates.
  • Good Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on 6 Series insurance than drivers with accident claims.
  • Driver Training Discounts – Completing a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
  • Employee of Federal Government – Active or former government employment may reduce rates when you quote auto insurance on 6 Series insurance with certain companies.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, insurance companies aren’t that generous. But all discounts will positively reduce the amount you pay for coverage.

Some of the insurance companies who may offer many of the previously listed discounts include:

If you are trying to find inexpensive auto insurance quotes, ask each company or agent the best way to save money. Some of the discounts discussed earlier might not be offered on policies in your area. To see a list of insurance companies who offer online insurance quotes, follow this link.

Auto insurance is unique, just like you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions may help you determine if you might need an agent’s assistance.

  • Am I covered when driving on a suspended license?
  • What if I don’t agree with a claim settlement offer?
  • Is my babysitter covered when using my vehicle?
  • Why am I required to buy liability insurance?
  • Is my cargo covered for damage or theft?
  • When should I not file a claim?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

What affects BMW 6 Series insurance prices?

Many different elements are part of the calculation when quoting car insurance. Some are pretty understandable like your driving record, but other criteria are more transparent like where you live or how financially stable you are.

The items below are some of the factors utilized by car insurance companies to help set premiums.

  • Prices for males may be higher – Statistics demonstrate that females take fewer risks when driving. The data does not necessarily mean that females are better at driving than males. Both sexes cause at-fault accidents at a similar rate, but males get into accidents with more damage. They also get cited for more serious violations such as reckless driving. Males from age 16 to 21 are the most expensive to insure so they pay the highest premiums.
  • Car insurance liability insurance limits – Liability coverage will protect you if you are found liable for personal injury or accident damage. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Bump up comp and collision deductibles to lower rates – Your deductibles represent how much money you are required to spend out-of-pocket if the claim is covered. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some coverage claims are colliding with a stationary object, damage caused by hail, and damage from wind. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be on 6 Series insurance.
  • Responsible credit equals lower rates – An insured’s credit score can be an important factor in calculating your premium rate. Insureds that have high credit scores tend to file fewer claims than those with poor credit. If your credit rating is not that good, you could save money insuring your 2010 BMW 6 Series by spending a little time repairing your credit.

Car insurance policy specifics

Knowing the specifics of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.

Comprehensive car insurance

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, rock chips in glass, vandalism, damage from getting keyed and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your BMW 6 Series.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liablity limits.

Liability car insurance

This coverage can cover damages or injuries you inflict on other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, emergency aid, loss of income and pain and suffering. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your 6 Series caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, scraping a guard rail, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like hospital visits, prosthetic devices, pain medications, nursing services and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

And the best car insurance company is…

We just showed you some good ideas how to reduce 2010 BMW 6 Series insurance car insurance rates online. The key concept to understand is the more you quote auto insurance, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates are with some of the lesser-known companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

Some insurance providers may not have the ability to get quotes online and these small, regional companies only sell through independent insurance agencies. Affordable 2010 BMW 6 Series insurance can be sourced on the web in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The proper strategy is to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

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Comments About 2010 BMW 6 Series Insurance

  1. Lise Matthews

    Cheap is not always the best policy. From a town just southwest of Missoula, Montana. Quoted with AAA, Sentry, and some smaller one I can’t remember the name of for my 6 Series and saved $515 a year. Was with Nationwide. Have an at-fault accident tho. :)

  2. Tandra Townsend

    I found cheap 2010 BMW 6 Series insurance in Warren, Michigan with GEICO.

  3. Fae Bryant

    I compared a lot of rate quotes for a 2010 BMW 6 Series in Kansas City, Kansas. Ended up at darn near $570 every six months with AAA. I increased coverages a little too. You can get a rate quote online.

  4. Maria Bradford

    Lifelong resident of Minneapolis, MN. Got quotes from AAA, Esurance, and Sentry for my BMW and saved $531 a year. They have a lot of discounts available. I recommend comparing lots of rates.

  5. Iraida Sampson

    If you have a good history and live in the vicinity of Boston, MA, check out State Farm. They seem to be cheaper.

  6. Loren Sosa

    Just a quick comment on my experience. Lifelong resident of Concord, NH. Received prices from Western Auto Insurance, AAA, The General, and Nationwide for my 6 Series and saved $575 a year.

  7. Jennie Brennan

    In Cranston, RI compare State Farm with Progressive and see which is best.

  8. Jutta Bradshaw

    It’s all a rip off. I live on the west side of Great Falls, MT. Can’t remember who all I quoted but I ended up saving about $70 each month. Did it all online.

  9. Cristal Waller

    Will Allstate cancel me if I have an accident?

  10. Lucila Cooley

    I live just outside West Valley City, Utah. Got rates from Allstate, AIG Insurance, and some I forget for my BMW and saved around $540 a year. Was with Encompass. Teenage drivers are expensive!

  11. Ethelene Kerr

    I live in Columbus, Georgia. Quoted with Progressive, Encompass, and Hanover for my 6 Series and saved $256 a year. They have a lot of discounts available.

  12. Clinton Goodman

    All companies are crooks. Quoted with Nationwide for my BMW and am saving around $340 a year. Insured with Safeco before. I’m a pretty low risk driver. It never hurts to quote around.

  13. Gerry Cline

    I compared a lot of rate quotes for a 2010 BMW 6 Series in Paterson, New Jersey. Ended up at roughly $340 every six months with Auto-Owners. Left Progressive to switch.

  14. Burl Mcfarland

    Good site, thanks. Lifelong resident of Frederick, MD. I got free prices from Progressive, Auto-Owners, and Eastwood for my 2010 BMW 6 Series and I think I saved around $30 each month. I even had a DUI years ago. LOL