Lower Your 2015 BMW 4 Series Gran Coupe Insurance Quotes

Buyers have many options when searching for the lowest priced BMW 4 Series Gran Coupe insurance. You can either waste hours contacting agents trying to get quotes or utilize the internet to compare rates.

There is a better way to compare insurance rates so we’re going to tell you the quickest way to price shop coverage on a BMW and obtain the cheapest rates from local insurance agents and online providers.

The purpose of this post is to familiarize you with the best way to quote coverages. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these techniques. Drivers just need to learn the tricks to compare company rates on the web.

How to lower your insurance costs

When buying insurance coverage it’s important to understand a few of the rating criteria that come into play when calculating insurance coverage rates. If you have some idea of what determines base rates, this enables informed choices that could result in lower rates.

• Advanced alarms and GPS tracking – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft.
• Traffic violations can be expensive – Careful drivers tend to pay less for car insurance than bad drivers. Having just one ticket can increase the cost of insurance by as much as thirty percent. Drivers who have serious tickets such as reckless driving or DUI may find they need to complete a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
• Never let your insurance coverage policy lapse – Having a gap between insurance policy dates is a fast way to increase your renewal premiums. In addition to paying higher rates, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state DMV.
• Physical damage deductibles are a factor – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your BMW. Examples of some claims that would be covered could be collision with another vehicle, flood damage, or theft. Your deductibles are how much the insured will be required to pay in the event of a claim. The more the insured has to pay upfront, the better rate you will receive on 4 Series Gran Coupe coverage.
• An active insurance claims history can cost more – Auto insurance companies generally give better rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher rates. Auto insurance is meant to be used in the event of the large, substantial claims.
• Where do you drive? – The more miles you rack up on your BMW each year the higher your rate. The majority of insurers apply a rate based upon how much you drive. Autos not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your declarations sheet properly reflects the right rating data, because it can save money. Having the wrong rating on your 4 Series Gran Coupe is just wasting money.
• You might pay higher rates if you are single – Having a spouse may save some money on your policy. Having a spouse usually means you are more responsible and statistics show married drivers get in fewer accidents.
• Prices and occupation – Careers like real estate brokers, business owners and stock brokers generally pay the highest average rates due to high stress levels and long work hours. Conversely, occupations such as professors, students and performers pay the least on 4 Series Gran Coupe coverage.

Finding insurance

There are several ways to compare insurance quotes, but there is one way that is easier and takes less work. You could waste a few hours talking about coverages with insurance agencies in your area, or you could use online quotes to achieve your goal.

Many insurance companies take part in a program where prospective buyers submit one quote, and at least one company then gives them pricing based on that information. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To find out what other companies charge click here (opens in new window).

One minor caviat to doing it this way is that consumers can’t choose which companies you will receive quotes from. So if you prefer to pick from a list of companies to request quotes from, we have a listing of companies who write insurance in your area. View list of insurance companies.

Whichever way you use, be sure you’re using identical quote data for each comparison quote. If you use unequal deductibles or liability limits then you won’t be able to make a fair comparison for your BMW 4 Series Gran Coupe.

Affordable insurance coverage rates with discounts

Insurance can cost an arm and a leg, but you may be missing some discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but occassionally some discounts must be specially asked for before you get the savings. If you’re not getting every credit possible, you could be paying more than you need to.

• Good Students Pay Less – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
• Sign Online – A few larger online companies provide a small discount get car insurance online.
• Bundled Policy Discount – If you insure your home and vehicles and insure them with the same company you could save approximately 10% to 15%.
• Clubs and Organizations – Participating in qualifying employment or professional organizations is a good way to get lower rates when getting a car insurance quote.
• Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
• Sign Early and Save – A few insurance companies give discounts for switching companies before your current expiration date. You could save around 10% when you buy car insurance online.

As a sidenote, most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way.

Companies and some of the premium reductions they offer are detailed below.

• State Farm may have discounts that include multiple policy, good driver, good student, defensive driving training, and anti-theft.
• American Family has discounts for mySafetyValet, defensive driver, multi-vehicle, good driver, bundled insurance, and good student.
• Geico offers discounts for air bags, anti-lock brakes, anti-theft, emergency military deployment, driver training, and military active duty.
• 21st Century includes discounts for teen driver, early bird, driver training, homeowners, good student, automatic seat belts, and 55 and older.
• Progressive discounts include online signing, good student, continuous coverage, online quote discount, multi-policy, homeowner, and multi-vehicle.

When getting a coverage quote, ask each insurance company how many discounts you can get. Some discounts may not apply to policies everywhere. To see insurance coverage companies who offer cheap insurance coverage quotes, click here to view.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

• Is my BMW 4 Series Gran Coupe covered if I use it for business?
• Does my car insurance cover rental cars?
• Is a fancy paint job covered?
• How high should my medical payments coverage be?
• What are the best liability limits?
• What is the rate difference between pleasure use and commuting?
• Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but you think they might apply to your situation, 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. It only takes a few minutes and may give you better protection.

Insurance coverages 101

Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your BMW 4 Series Gran Coupe.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage pay for bills like nursing services, X-ray expenses, chiropractic care and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, colliding with a tree, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This coverage can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as legal defense fees, structural damage, repair costs for stationary objects, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

And the best car insurance company is…

In this article, we presented a lot of information how to reduce 2015 BMW 4 Series Gran Coupe insurance prices online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.

People change insurance companies for many reasons like extreme rates for teen drivers, policy cancellation, an unsatisfactory settlement offer and high rates after DUI convictions. No matter why you want to switch, finding a new company is less work than it seems.

Discount 2015 BMW 4 Series Gran Coupe insurance is possible on the web and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies don’t offer online rate quotes and these small, regional companies only sell through local independent agents.

To read more, take a look at these articles:

• Collision Coverage (Liberty Mutual)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)