2010 BMW M6 Insurance Rates
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UPDATED: Apr 10, 2020
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Average insurance rates for a 2010 BMW M6 are $1,642 a year with full coverage. Comprehensive costs on average $330 each year, collision insurance costs $598, and liability insurance costs $534. Buying a liability-only policy costs as little as $588 a year, and high-risk insurance costs around $3,566. Teen drivers receive the highest rates at up to $6,206 a year.
Annual premium for full coverage: $1,642
Rate estimates for 2010 BMW M6 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 BMW M6 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range range from as low as $588 for just liability insurance to a high rate of $3,566 for a high risk driver.
These differences demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2010 BMW M6 Insurance
Are you overwhelmed by the dozens of auto insurance company choices? You have a lot of company. Drivers have so many options available that it can turn into more work than you anticipated to find lower rates.
The purpose of this post is to introduce you to how car insurance quotes work. If you have car insurance now, you should be able to save some money using this strategy. But vehicle owners do need to know the way companies sell insurance online and apply this information to your search.
Compare Auto Insurance Costs
There are a lot of ways to shop for auto insurance, but some are more efficient than others. You can spend your afternoon driving to local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.
Many companies participate in an industry program where insurance shoppers send in one quote, and each participating company then returns a price quote determined by their information. This saves time by eliminating form submissions for every auto insurance company.
To participate in this free quote system, click here to start a free quote.
One minor caviat to doing it this way is you don’t know exactly which insurance companies to get pricing from. If you wish to select specific insurance companies to compare prices, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.
It doesn’t matter which method you choose, just compare the exact same coverage information for each price quote. If your comparisons have higher or lower deductibles it will be impossible to find the best deal for your BMW M6. Quoting even small variations in coverage limits can mean a large discrepancy in price. Just remember that having more price comparisons helps you find better pricing.
Lower rates by qualifying for discounts
Car insurance is not cheap, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but a few need to be manually applied before being credited.
- Military Discounts – Being on active duty in the military could mean lower rates.
- Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
- Good Student Discount – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
- Multi-policy Discount – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
- Use Seat Belts – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- Clubs and Organizations – Belonging to certain professional organizations could trigger savings on car insurance for M6 coverage.
- Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with a substantially lower rate.
Keep in mind that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will bring down the cost of coverage.
Car insurance companies that possibly offer these benefits are:
Before buying, ask each insurance company what discounts are available to you. Discounts might not be offered in your area.
Why your BMW M6 insurance rates may be high
An important part of buying insurance is that you know some of the elements that help determine the rates you pay for insurance coverage. Knowing what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.
The following are some of the items used by your company to calculate your rates.
- Lower rates with optional equipment – Driving a car with a theft deterrent system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
- Being married can save on insurance coverage – Being married actually saves money when buying insurance coverage. It usually means you are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
- Allowing your policy to lapse raises rates – Driving without insurance is a misdemeanor and insurance coverage companies will penalize you for letting your insurance expire. And not only will your rates increase, but being ticketed for driving with no insurance will get you a license revocation or jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
- Better credit scores mean better rates – A driver’s credit score is a important factor in your rate calculation. If your credit is lower than you’d like, you could save money insuring your 2010 BMW M6 by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with poor credit.
- Where you live – Residing in less populated areas can be a good thing when buying insurance coverage. Drivers who live in large cities have to deal with much more traffic and longer commute times. Fewer drivers translates into fewer accidents.
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Car insurance is unique, just like you
When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different.
For example, these questions may help you determine whether or not you would benefit from professional advice.
- What are the best liability limits?
- Does my insurance cover a custom paint job?
- Can I still get insurance after a DUI?
- When should I drop full coverage on my 2010 BMW M6?
- Is there coverage for injuries to my pets?
- When should I not file a claim?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.
Don’t be fooled by advertising claims
Companies like GEICO, State Farm and Progressive continually stream ads on television and other media. All the ads make the same claim that you’ll save big after switching your policy. How do they all say the same thing?
Insurance companies can use profiling for the driver that earns them a profit. For example, a desirable insured could possibly be between 25 and 40, owns a home, and has a high credit rating. A driver that hits that “sweet spot” will qualify for the lowest rates and therefore will save quite a bit of money when switching.
Consumers who fall outside these standards will be charged a more expensive rate which usually ends up with the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently make those claims.
That is why you absolutely need to get as many quotes as possible. It is impossible to predict which auto insurance company will give you the biggest savings on BMW M6 insurance.
Detailed coverages of your insurance policy
Understanding the coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.
Collision – This coverage covers damage to your M6 from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your BMW M6.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.
Coverage for liability – Liability insurance provides protection from injuries or damage you cause to a person or their property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage pays for claims such as attorney fees, pain and suffering, structural damage and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for bills like doctor visits, ambulance fees and prosthetic devices. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a deer, vandalism, fire damage and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Make a quick buck
When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced full coverage only to regret at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at a price you can afford.
Insureds switch companies for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, poor customer service or even lack of trust in their agent. It doesn’t matter what your reason, finding a great new company is less work than it seems.
In this article, we presented a lot of techniques to shop for 2010 BMW M6 insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from some of the smallest insurance companies.
Additional detailed information is available by following these links:
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Prom Night Tips for Teen Drivers (State Farm)
- Rental Reimbursement Coverage (Allstate)
- Eight Auto Insurance Myths (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$2,595|
|Los Angeles, CA||$2,808|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$120|
|5-yr Claim Free||$107|
|Paid in Full/EFT||$74|
Discounts are estimated and may not be available from every company or in every state.