2014 BMW 6 Series Insurance Quotes – 8 Tips for Best Rates

Looking for cheaper insurance rates for your BMW 6 Series? No car owner loves paying for insurance, especially when the prices are way too high.

There are many insurers to insure vehicles with, and though it is a good thing to have a choice, it can be more difficult to find the lowest rates.

This information will instruct you on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. But drivers benefit from understanding how big insurance companies price online insurance and use this information to your advantage.

Low cost insurance prices

Most of the larger companies allow you to get pricing directly from their websites. The process is very simple as you just type in the amount of coverage you want as requested by the quote form. Once entered, the quote system pulls information on your driving record and credit history and quotes a price based on these factors. Online price estimates makes it easy to compare insurance prices but the time required to go to different websites and enter the same data into a form is a waste of time. But it is imperative to compare as many rates as possible if you are searching for the best price possible.

A less time-consuming method to find lower prices utilizes a single form that analyzes rates from several companies at one time. This type of form saves time, requires much less work on your part, and makes quoting online much simpler. After sending the form, it is rated with multiple companies and you can pick your choice of the quotes that you receive.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The entire process only takes a few minutes and may result in a nice savings.

To quickly find out how much you can save on insurance, click here and submit the form. If you currently have coverage, we recommend you complete the form with coverages and limits identical to your current policy. This guarantees you will get a fair comparison based on similar coverages.

The ad said I’d save $468 a year!

Progressive, Geico, Allstate and State Farm endlessly run television, radio, and online ads. All the companies say the same thing that you can save just by switching your policy. Is it even possible that every company can cost less than your current company? This is how they do it.

Companies are able to cherry pick for a prospective insured that will most likely be profitable. An example of a profitable risk profile could be a mature driver, has a low-risk occupation, and drives a car with an anti-theft system. Anyone who fits those characteristics is entitled to the best price and will save money with a new company.

Consumers who don’t qualify for these criteria must pay higher prices and this results in the prospect going elsewhere. The ads state “customers that switch” not “all people who quote” save that kind of money. That’s why insurance companies can make claims that they all have the best premium rates.

That is why you really need to quote coverage with many companies. Because without a comparison, you cannot know which company will be your best fit.

Double check you’re getting these eight money-saving discounts

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but some must be specifically requested prior to getting the savings.

• Early Signing – A few insurance companies offer discounts for renewing your policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance coverage online.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
• Homeowners Pay Less – Owning a home can earn you a little savings because owning a home is proof of financial responsibility.
• Driving Data Discount – Drivers that enable driving data submission to study vehicle usage by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they have good driving habits.
• Organization Discounts – Joining certain professional organizations could qualify you for a break on your policy.
• Defensive Driver – Successfully completing a course teaching safe driver skills could save 5% or more and easily recoup the cost of the course.
• New Car Discount – Buying a new car model can get you a discount compared to insuring an older model.
• Drive Less and Save – Low annual miles could earn cheaper car insurancerates.

Please keep in mind that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way.

Companies and a selection of discounts can be found below.

• State Farm has discounts for passive restraint, good student, good driver, Steer Clear safe driver discount, multiple policy, student away at school, and accident-free.
• Progressive may include discounts for online signing, multi-vehicle, multi-policy, homeowner, good student, continuous coverage, and online quote discount.
• Travelers includes discounts for multi-policy, hybrid/electric vehicle, multi-car, save driver, new car, home ownership, and driver training.
• American Family discounts include defensive driver, mySafetyValet, multi-vehicle, bundled insurance, good driver, and TimeAway discount.
• Liberty Mutual offers discounts including hybrid vehicle, teen driver discount, newly retired, good student, multi-policy, and exclusive group savings.

Double check with every insurance company to give you their best rates. Some of the earlier mentioned discounts may not be available in your area. To find providers with significant discounts, click here.

Do I need special coverages?

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can aid in determining if your situation will benefit from professional help.

• Should I waive the damage coverage when renting a car?
• Is my cargo covered for damage or theft?
• Is business equipment covered while in my vehicle?
• Should I buy additional glass protection?
• Am I covered when driving in Canada or Mexico?
• Will I be non-renewed for getting a DUI or other conviction?
• Is my custom paint covered by insurance?
• How can I get high-risk coverage after a DUI?
• Does insurance cover tools stolen from my truck?
• Do I have coverage if my license is suspended?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage options for a 2014 BMW 6 Series

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Comprehensive auto insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, hail damage, vandalism, falling objects and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as doctor visits, ambulance fees, rehabilitation expenses, hospital visits and surgery. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your BMW 6 Series.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, rolling your car, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Auto liability

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, pain and suffering and emergency aid. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

A little work can save a LOT of money

We just presented a lot of tips how to shop for 2014 BMW 6 Series insurance online. It’s most important to understand that the more you quote insurance coverage, the better chance you’ll have of finding cheaper insurance coverage. You may even discover the biggest savings come from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.

When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. Too many times, drivers have reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find for the lowest price and still be able to protect your assets.

Some insurance providers do not offer the ability to get a quote online and these regional carriers only sell coverage through independent insurance agents. Affordable 2014 BMW 6 Series insurance can be sourced on the web and with local insurance agents, and you need to price shop both to have the best rate selection.

Additional car insurance information can be found at the links below

• Shopping for a Safe Car (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Learn About Car Insurance (Geico)