Compare 2016 BMW 6 Series Car Insurance Cost

Comparing and finding cheap coverage rates for car insurance may be very difficult for beginners to comparing prices online. Since there are so many online companies, it can easily become more work than you anticipated to find cheaper car insurance rates.

It’s smart to get comparison quotes at least once a year because car insurance prices fluctuate regularly. Even if you think you had the lowest rate on 6 Series insurance a few years ago you may be paying too much now. Block out anything you think you know about car insurance because you’re going to learn one of the best ways to save on car insurance.

The purpose of this article is to tell you the best way to quote coverages 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 this information. But consumers do need to know the way companies market on the web and apply this information to your search.

Ways to get car insurance quotes

There are multiple methods you can shop for car insurance but one way is more efficient than others. You could spend your day discussing policy coverages with insurance agencies in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Many companies participate in an industry program where insurance shoppers enter their policy data once, and at least one company returns a competitive quote. This saves time by eliminating quotation requests for each company you want a rate for.

To use this form to compare rates click here to start a free quote.

The one disadvantage to getting quotes like this is you are unable to specify which carriers to receive prices from. So if you prefer to pick individual companies to compare, we put together a list of companies who write car insurance in your area. Click here to view list.

The approach you take is up to you, just compare equivalent coverages and limits for every company. If you enter different data you will not be able to make a fair rate comparison. Having just a slight variation in limits can mean a large discrepancy in price. It’s important to know that comparing more rates from different companies helps increase your odds of locating the best offered rates. Not every company allows you to get online price quotes, so you should also compare rates from them as well.

Auto insurance ads bend the truth

Auto insurance providers like State Farm, Allstate and GEICO endlessly run ads in print and on television. They all seem to have a common claim that people will save just by switching your coverage to them. It sounds good, but how can they all offer drivers better rates? It’s all in the numbers.

Insurance providers have specific characteristics for the driver that will be a good risk. A good example of a preferred risk could be a female over age 40, has never had a claim, and chooses high deductibles. A customer getting a price quote who matches that profile will qualify for the lowest prices and as a result will probably save money with a new company.

Insureds who fall outside this stringent profile may be forced to pay a higher premium which results in business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” can get the lowest rates when switching. That is how insurance companies can confidently make claims that they all have the best rates.

Because every company is different, drivers must get auto insurance quotes as often as possible. It’s just too difficult to predict the company that will have the lowest rate quotes.

Take advantage of every car insurance discount

The cost of insuring your cars can be expensive, but you may be missing some discounts that may help make it more affordable. Some discounts will apply when you quote, but occassionally some discounts must be inquired about before you get the savings.

  • Save over 55 – If you qualify as a senior citizen, you may qualify for a small discount on rates on 6 Series insurance.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up could save 15% on medical payment and PIP coverage.
  • Memberships – Being in certain professional organizations could qualify you for a break on your next renewal.
  • Defensive Driver Discounts – Passing a course in driver safety may get you a small discount and easily recoup the cost of the course.
  • Distant Student Discount – Youth drivers living away from home attending college and leave their car at home may qualify for this discount.

A little disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

A few of the larger companies and the discounts they provide are shown below.

  • State Farm offers premium reductions for multiple autos, multiple policy, defensive driving training, safe vehicle, Drive Safe & Save, anti-theft, and driver’s education.
  • American Family has savings for good driver, accident-free, air bags, Steer into Savings, mySafetyValet, and defensive driver.
  • GEICO may offer discounts for multi-vehicle, defensive driver, five-year accident-free, emergency military deployment, and good student.
  • 21st Century policyholders can earn discounts including defensive driver, 55 and older, good student, theft prevention, air bags, and anti-lock brakes.
  • Progressive has discounts for multi-policy, continuous coverage, multi-vehicle, online quote discount, good student, homeowner, and online signing.

Before purchasing a policy, check with every insurance company which credits you are entitled to. Some credits might not be offered in your area. To see a list of insurers who offer car insurance discounts, follow this link.

How to know if you need help

When buying the best insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Does coverage extend to my business vehicle?
  • I have a DUI can I still get coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I break a side mirror?
  • Is my BMW 6 Series covered if I use it for business?
  • Do I have newly-aquired coverage?
  • Do I pay less for low miles?
  • Can my babysitter drive my car?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

Information about specific coverages

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like surgery, ambulance fees, rehabilitation expenses, funeral costs and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your BMW 6 Series.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage covers damage to your 6 Series resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, damaging your car on a curb, driving through your garage door, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Liability

This coverage protects you from injuries or damage you cause to people or other property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, court costs, pain and suffering, emergency aid and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, falling objects, a broken windshield and vandalism. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Summing up your insurance search

In this article, we covered quite a bit of information on how to reduce 2016 BMW 6 Series insurance rates online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding inexpensive auto insurance. You may even discover the biggest savings come from a lesser-known regional company.

When you buy auto insurance online, make sure you don’t buy poor coverage just to save money. There have been many situations where an accident victim reduced full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Consumers switch companies for any number of reasons including delays in responding to claim requests, not issuing a premium refund, policy non-renewal or an unsatisfactory settlement offer. Regardless of your reason, finding a new company is less work than it seems.

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Comments About 2016 BMW 6 Series Insurance

  1. Shea Adams

    Enjoyed the article. Found cheapest coverage with 21st Century for my BMW and saved around $520 a year.

  2. Nicole Moon

    I can’t pay high rates. From a town just southwest of Frederick, MD. Don’t remember every company but I ended up saving about $20 each month. I’m a pretty good driver though. Not sure about claim service.

  3. Charissa Diaz

    If you don’t have tickets and live around Norfolk, Virginia, check out Progressive. You might save some money. Moved home policy as well. I quoted rates online then called them.

  4. Marg Benton

    Compared rates with State Farm and American Family but still pricey.

  5. Charlie Watts

    I’ve had Allstate for years. I’m in Bellevue, Nebraska.

  6. Elyse Coffey

    If you don’t have tickets and live around Biloxi, MS, check out 21st Century. They seem to be cheaper. Left The General to switch. A clean driving record helps. You can get a rate quote online.

  7. Khalilah Jensen

    I found pretty cheap rate quotes for a 2016 BMW 6 Series in Saint Paul, MN. Ended up at about $440 every six months with AAA. :P

  8. Cecelia Murphy

    If you have a good history and live near Boise, ID, check out GEICO. You might save some money.

  9. Buffy Alford

    Are custom wheels covered by insurance?

  10. Trisha Harrison

    Does Progressive have good customer service?

  11. Sylvia Finley

    Lots of good stuff here. From Philadelphia, Pennsylvania. I quoted with Western Auto Insurance, AIG Insurance, GMAC, and Nationwide for my 2016 BMW 6 Series and saved just over $190 a year. You can get a rate quote online.

  12. Tanisha Dawson

    Progressive is decent in Wichita, KS.

  13. Rodrigo Bray

    Lots of useful info here. From a town just southwest of Fayetteville, AR. Don’t remember every company but I ended up saving about $70 each month.