Shoppers have a choice when shopping for the best price on BMW X1 insurance. You can either spend your time driving around trying to get quotes or use the internet to get rate quotes.
There is a right way and a wrong way to compare auto insurance rates and we’ll show you the absolute fastest way to compare rates for a BMW and find the lowest possible price.
This information will introduce you to how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Drivers just need to learn the best way to get comparison quotes on the web.
There are a lot of ways to compare auto insurance quotes, and some are less labor-intensive and much quicker. You could waste time discussing policy coverages with insurance agencies in your area, or you can utilize the web for quick rates.
Most major companies participate in a marketplace that enables customers to send in one quote, and each participating company then returns a price quote determined by their information. This prevents consumers from doing quote forms to each company.
To compare pricing click here to open in new window.
The one disadvantage to getting quotes like this is you don’t know exactly which insurance companies to get pricing from. If you prefer to choose specific insurance companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click to view list.
Compare rates however you want, just make sure you are using exactly the same deductibles and coverage limits on every price quote you get. If each company quotes different deductibles it will be impossible to decipher which rate is best.
When choosing coverage, there really is no perfect coverage plan. Every insured’s situation is different.
Here are some questions about coverages that may help highlight whether you would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.
Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.
Auto liability insurance
Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.
Medical expense coverage
Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, chiropractic care and X-ray expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims such as crashing into a building, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.
Uninsured or underinsured coverage
This provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your BMW X1.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.
If you have a good history and live in the vicinity of Houston, TX, check out Allstate. You might save some money.
I live just outside Gaithersburg, MD. I compared lots of rates. Saved right around $70 a month. Progressive was the cheapest for me. Insured with State Farm before. Have a couple speeding tickets too.
Just a quick comment on my experience. I live just outside Las Cruces, NM. Quoted quotes with State Farm, Amica, Esurance, and Hanover for my BMW and saved just over $130 a year. I have a couple other vehicles on the policy.
If you have a good history and live near Evansville, IN, check out Allstate. You might get cheaper rates. I think they have home insurance too.
I found pretty cheap rate quotes for a 2013 BMW X1 in Fairbanks, Alaska. Ended up at about $290 every six months with American Family.
If you don’t have tickets and live in the vicinity of Portland, ME, check out GEICO. They seem to be cheaper. I’m a pretty good driver though. Highly recommended.
Is 21st Century cheaper than Auto-Owners in Parkersburg, WV?
I got quite a few price quotes for a 2013 BMW X1 in Bangor, ME. Ended up at right around $220 every six months with AIG Insurance.
Will Progressive give a discount for driver training?
From a town just southwest of Indianapolis, IN. Checked online prices for a 2013 BMW X1. Ended up at about $570 savings annually. Went with State Farm. Ask about discounts.
What are minimum liability limits required in Oregon?
From Rapid City, South Dakota. Got car insurance quotes from Allstate, AIG Insurance, Farmers, and Hartford for my 2013 BMW X1 and saved just over $540 a year. Insured with 21st Century before. Wish I didn’t have to insure at all.
Here’s my info. From Charleston, West Virginia. I quoted with The General, Amica, Nationwide, and a couple others for my BMW and saved just over $440 a year. Hardly afford to drive anymore.