Save on 2014 BMW ActiveHybrid 7 Insurance Cost

Want cheaper car insurance rates for your BMW ActiveHybrid 7? I doubt anyone looks forward to paying for car insurance, especially when they know the cost is too high. Lots of insurance companies contend to insure your vehicles, so it can be very hard to choose a provider to find the absolute best price available.

You need to quote other rates on a regular basis because car insurance prices are variable and change quite frequently. Even if you got the best deal for ActiveHybrid 7 coverage on your last policy other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to find out how to use the internet to find the best coverage while lowering your premiums.

Discount car insurance rates

Insuring your vehicles can cost a lot, but there are discounts available to reduce the price significantly. Many discounts should be triggered at the time of purchase, but less common discounts must be asked for prior to getting the savings.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
  • Federal Employees – Active or former government employment may qualify for a discount when you quote car insurance for ActiveHybrid 7 coverage with certain companies.
  • Driver Education Discount – Require your teen driver to enroll in driver’s education in school.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can pay as much as 50% less for ActiveHybrid 7 coverage compared to rates paid by drivers with frequent claims.
  • Lower Rates for Military – Being deployed in the military could qualify you for better prices.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. So even though you would think adding up those discounts means a free policy, it’s just not the way it works.

If you would like to choose from a list of car insurance companies that offer discounts, follow this link.

Buy insurance coverage online

There are a lot of ways to compare insurance coverage quotes, and some are less time-consuming than others. You could spend the better part of a day talking to agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many popular insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company then gives them pricing based on that information. This prevents consumers from doing quotation requests to each individual insurance coverage company.

To find out what other companies charge click here to start a free quote.

The single downside to doing it this way is you can’t choose which providers to get quotes from. So if you prefer to pick individual companies to compare prices, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but be sure to compare the exact same coverage limits and deductibles on every price quote you get. If your comparisons have higher or lower deductibles it’s impossible to determine which company has the best rates.

How you can control BMW ActiveHybrid 7 insurance rates

Many different elements are part of the calculation when quoting car insurance. Some factors are common sense such as your driving record, although others are not as apparent like your continuous coverage or how financially stable you are.

  • Get married and pay lower prices – Being married can actually save you money on auto insurance. Marriage translates into being more mature and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Men drivers tend to cost more – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Both genders are in fender benders at about the same rate, but the males tend to have higher claims. Not only that, but men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Poor credit can mean higher prices – Having a bad credit rating is likely to be a major factor in calculating your auto insurance rates. Therefore, if your credit rating can use some improvement, you could pay less to insure your 2014 BMW ActiveHybrid 7 by improving your rating. Insureds that have excellent credit tend to file fewer claims than those with poor credit.
  • City dwellers may pay more – Being located in less populated areas is a good thing when trying to find low car insurance rates. City drivers regularly have much more traffic and longer commutes to work. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates.
  • Five star IIHS safety rating saves money – Vehicles with good safety scores are cheaper to insure. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection translates into fewer and smaller insurance claims which can mean better rates for you. If your BMW ActiveHybrid 7 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Bad drivers pay high rates – Being a careful driver impacts your car insurance rates tremendously. Good drivers get better rates as compared to those with violations. Having a single driving citation may increase your cost by twenty percent. People who have serious citations such as DUI or reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to drive a vehicle legally.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if you might need an agent’s assistance.

  • Do I need rental car coverage?
  • Is my state a no-fault state?
  • Does coverage extend to a rental car in a foreign country?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when pulling a rental trailer?
  • Can I drive in Mexico and have coverage?
  • Do I have newly-aquired coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

Will you really save $482 on insurance?

Drivers can’t ignore all the ads that claim the lowest rates by companies like State Farm and Allstate. They all seem to state the claim that you’ll save big if you switch your insurance policy to them.

How does every company offer drivers better rates? It’s all in how they say it.

Insurance companies provide the lowest rates for the type of customer that will not have excessive claims. For instance, a preferred risk might be described as between 30 and 50, carries high limits, and does not commute to work. Any person that matches those criteria will probably get cheap rates as well as pay quite a bit less when switching companies.

Insureds who may not quite match this ideal profile will be charged higher prices which results in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can confidently make the claims of big savings. Because of this risk profiling, you really need to do a rate comparison at every renewal. Because you cannot predict which insurance company will give you the biggest savings.

Auto insurance coverage information

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like surgery, chiropractic care and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from getting keyed and a broken windshield. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability – This can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as repair bills for other people’s vehicles, medical services, medical expenses and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – This will pay to fix damage to your ActiveHybrid 7 from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 2014 BMW ActiveHybrid 7.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

One last thing about your coverage

In this article, we presented some good ideas how you can reduce 2014 BMW ActiveHybrid 7 insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding low cost car insurance. Consumers may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. These companies can often provide lower car insurance rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.

There are still a few companies who may not offer online quoting and usually these small, regional companies provide coverage only through independent agents. Cheap 2014 BMW ActiveHybrid 7 insurance can be found on the web in addition to many insurance agents, and you need to price shop both so you have a total pricing picture.

Additional information is available on the following sites:

Comments About 2014 BMW ActiveHybrid 7 Insurance

  1. Janae Preston

    Mine is so expensive. I’m from Bridgeport, Connecticut. I quoted with AAA, Mercury, and some smaller one I can’t remember the name of for my 2014 BMW ActiveHybrid 7 and saved $213 a year. Highly recommended.

  2. Corrinne Merritt

    I’ve bought from State Farm forever. Cheapest rates in Chicago, IL.

  3. Carola Cunningham

    Liked the article. I’m in the west part of Bangor, Maine. Got car insurance quotes from Safeco, Encompass, GEICO, and AAA for my 2014 BMW ActiveHybrid 7 and cut my rates about $200 a year. LOL

  4. Daryl Nicholson

    Good detail in your article. I live in a small town just outside of Boise, ID. Checked online prices for a 2014 BMW ActiveHybrid 7. Ended up at about $190 savings annually. Went with State Farm. Left MetLife to switch. Got better coverage too.

  5. Cecil Herman

    I chose to switch to GEICO from AIG Insurance. I live in Pittsburgh, PA. :P

  6. Hyon Ellison

    If you’re from Gaithersburg, Maryland get quotes from State Farm and Progressive and you might save.

  7. Demarcus Joyce

    Where is cheaper car insurance? Proud to be from Bangor, ME. Not sure of all the companies but I ended up saving about $50 each month. Are quotes cheaper online?

  8. Shani Butler

    From northwest of Montgomery, Alabama. Quoted prices from AAA, Encompass, and Sentry for my BMW and I’m now saving $31 a month. Left The General to switch. Highly recommended.

  9. Katherin William

    Compared rates with State Farm and AIG Insurance but still pricey.

  10. Twanna Harper

    Is State Farm or Farmers cheap in Tulsa, Oklahoma?