Cheap 2013 BMW 6 Series Gran Coupe Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 28, 2024

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Are you irritated from being strong-armed to pay your auto insurance bill each month? You are in the same boat as many other consumers.

Since consumers have many companies to choose from, it’s difficult to choose the best auto insurance company.

Consumers need to take a look at other company’s rates occasionally because insurance rates are rarely the same from one policy term to another. If you had the lowest premium rates on 6 Series Gran Coupe coverage a couple years back you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in how to quote online to remove unneeded coverages and save money.

The purpose of this article is to familiarize you with the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. Although consumers can benefit from knowing how big insurance companies determine prices and use this information to your advantage.

Auto insurance discounts are available to cut your rates

Auto insurance can be pricey, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but a few must be manually applied before being credited.

  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a lower rate if you buy life insurance from them.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Claim-Free Discount – Drivers who don’t have accidents can save substantially as opposed to drivers who are more careless.
  • Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Paperless Signup – Certain auto insurance companies will give a small break just for signing your application over the internet.

While discounts sound great, it’s important to understand that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

The best auto insurance companies and the discounts they provide are shown below.

  • GEICO has discounts for military active duty, defensive driver, driver training, multi-policy, and anti-lock brakes.
  • Mercury Insurance includes discounts for good driver, professional/association, multi-policy, annual mileage, and age of vehicle.
  • Farmers Insurance offers discounts for multi-car, alternative fuel, teen driver, electronic funds transfer, distant student, and pay in full.
  • Auto-Owners Insurance offers premium reductions for paperless, good student, group or association, safe vehicle, air bags, paid in full, and multiple vehicles.
  • Liberty Mutual offers discounts including new graduate, hybrid vehicle, new move discount, good student, multi-car, preferred payment discount, and newly retired.
  • SAFECO may offer discounts for bundle discounts, safe driver, drive less, teen safe driver, and teen safety rewards.
  • Progressive may include discounts for multi-vehicle, homeowner, online signing, online quote discount, continuous coverage, good student, and multi-policy.
  • USAA policyholders can earn discounts including vehicle storage, defensive driver, multi-policy, new vehicle, multi-vehicle, driver training, and safe driver.

If you need cheap car insurance quotes, ask all companies you are considering the best way to save money. Savings may not apply to policies in your area. To find companies that offer some of these discounts, enter your zip code here.

Everyone needs different insurance coverage coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. For example, these questions may help you determine if your situation might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my teen drive my company car?
  • Is my cargo covered for damage or theft?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out your zip code.

Insurance coverage advertisements

Insurance coverage providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. All the companies say the same thing of big savings if you move your coverage to them. How does every company make almost identical claims? Just pay attention to how they say it.

All companies have specific guidelines for the type of driver that earns them a profit. For instance, a profitable risk profile may need to be over age 30, owns their home, and drives less than 10,000 miles a year. Any person who fits that profile will probably get the lowest premium rates and as a result will probably cut their rates substantially.

Potential insureds who don’t qualify for these stringent criteria may receive a more expensive rate which leads to the customer not purchasing. The ad wording is “customers that switch” not “everyone who quotes” save money. This is how insurance companies can advertise the way they do.

This illustrates why drivers should do a quote comparison often. Because without a comparison, you cannot know the company that will have the lowest rates.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Auto collision coverage

Collision insurance pays for damage to your 6 Series Gran Coupe resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses for things like hospital visits, doctor visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, hitting a bird, a broken windshield, vandalism and hail damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

This coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, medical expenses, legal defense fees, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Smart consumers save more

When getting car insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

Budget-conscious 2013 BMW 6 Series Gran Coupe insurance can be purchased online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not offer the ability to get quotes online and most of the time these regional carriers only sell coverage through local independent agencies.

In this article, we presented many ideas to get a better price on 2013 BMW 6 Series Gran Coupe insurance. The most important thing to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding inexpensive car insurance. Consumers may even find the lowest priced insurance coverage comes from a lesser-known regional company. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

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