Cheaper 2013 BMW 6 Series Insurance Quotes 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: Apr 18, 2024

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Looking for cheaper auto insurance rates for your BMW 6 Series? Finding cheaper insurance for your BMW 6 Series could be an all-consuming task, but you can learn our auto insurance buying tips to save time. There are both good and bad ways to compare auto insurance rates and we’ll show you the proper way to quote coverages for your BMW and find the lowest price either online or from local insurance agents.

Consumers should take time to compare prices at least once a year because auto insurance prices fluctuate regularly. Despite the fact that you may have had the best deal for 6 Series coverage last year there may be better deals available now. Block out anything you think you know about auto insurance because you’re going to learn the tricks you need to know to lower your annual insurance bill.

Finding affordable coverage is quite easy. If you are insured now or are just looking to switch companies, you can use these tips to reduce the price you pay and still get good coverage. Drivers just need to understand the most efficient way to buy insurance coverage over the internet.

Discounts can really help to save

Some insurers do not advertise the complete list of policy discounts in an easy-to-find place, so the list below contains both well-publicized and also the lesser-known credits available to you. If you don’t get every credit possible, you are throwing money away.

  • Responsible Driver Discount – Drivers without accidents can pay as much as 50% less for 6 Series coverage compared to rates paid by drivers with frequent claims.
  • Accident Waiver – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Low Mileage – Keeping the miles down on your BMW could qualify for better insurance rates on cars that stay parked.
  • Good Grades Discount – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you well after school through age 25.
  • Air Bag Discount – Factory air bags can qualify for discounts as much as 30%.
  • Sign Early and Save – A few larger companies offer discounts for buying a policy before your current expiration date. Ten percent is about the average savings.
  • Professional Memberships – Belonging to specific professional or occupational memberships or organizations could qualify you for a break on your next insurance statement.
  • Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts can save 10% or more off the medical payments premium.

Keep in mind that some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business.

Companies and a summarized list of policyholder discounts can be found below.

  • American Family offers discounts including TimeAway discount, air bags, good driver, defensive driver, and accident-free.
  • Farm Bureau has discounts for good student, renewal discount, multi-vehicle, safe driver, youthful driver, 55 and retired, and multi-policy.
  • State Farm may offer discounts for student away at school, multiple autos, good driver, defensive driving training, passive restraint, and multiple policy.
  • Travelers policyholders can earn discounts including student away at school, payment discounts, home ownership, IntelliDrive, continuous insurance, multi-car, and driver training.
  • The Hartford includes discounts for defensive driver, good student, air bag, bundle, and anti-theft.
  • GEICO has savings for five-year accident-free, defensive driver, anti-lock brakes, anti-theft, air bags, membership and employees, and multi-vehicle.
  • Progressive discounts include continuous coverage, multi-policy, online signing, online quote discount, multi-vehicle, and good student.

If you want cheaper auto insurance quotes, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts may not be offered in every state. To choose insurance companies that offer the discounts shown above, enter your zip code here.

Will just any policy work for me?

When buying coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation might need professional guidance.

  • How much can I save by bundling my policies?
  • Does insurance cover tools stolen from my truck?
  • Should I have a commercial auto policy?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are my friends covered when driving my 2013 BMW 6 Series?
  • Should I buy additional glass protection?
  • What is no-fault insurance?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Do drivers who switch really save $494 a year?

Consumers get pounded daily by advertisements that promise big savings for switching from companies such as GEICO, State Farm and Progressive. They all seem to make the point about saving some big amount just by switching to them.

How is it plausible that every one can offer drivers better rates? It’s all in the wording.

All companies have an ideal profile for the type of driver that will generate a profit. For instance, this type of driver should be between 25 and 40, has a clear driving record, and has great credit. Any driver who matches that profile will get a cheap rate quote and will save when switching.

Potential customers who do not match those criteria will be charged higher rates and the customer buying from someone else. The trick companies use is to say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way insurance companies can advertise the savings. Because every company is different, you should do a rate comparison at every renewal. You cannot predict which company will fit you best based on your risk profile.

Educate yourself about insurance coverages

Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision coverage

Collision coverage will pay to fix damage to your 6 Series resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, damage from a tornado or hurricane and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like surgery, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like attorney fees, bail bonds, legal defense fees and medical services. How much coverage you buy is your choice, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2013 BMW 6 Series.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

A little work can save a LOT of money

We just showed you many ideas to shop for 2013 BMW 6 Series insurance online. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding low cost auto insurance. You may even discover the best premium rates are with an unexpected company.

People leave their current company for any number of reasons including an unsatisfactory settlement offer, denial of a claim, being labeled a high risk driver or even delays in responding to claim requests. Regardless of your reason, finding the right auto insurance provider is less work than it seems.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the best price, not the least amount of coverage.

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