Cheap 2013 BMW 7 Series Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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 8, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find the cheapest car insurance rates for your BMW 7 Series? Are you drained from paying out the nose each month for car insurance? Your situation is no different than many other drivers. Lots of insurance companies contend to insure your vehicles, so it’s not easy to compare every provider and get the definite lowest rate possible.

How to get affordable car insurance

Comparing car insurance rates can be a daunting task if you aren’t aware of the fastest way to get free quotes. You could spend your day talking to local insurance agents in your area, or you can stay home and use online quotes for quick rates.

Many companies belong to an insurance system that allows shoppers to only type in their quote data once, and every company can give them a price based on that information. This saves time by eliminating form submissions to every company. To compare rates now enter your zip code here.

The one downside to using this type of system is you can’t choose which providers to receive prices from. If you prefer to choose specific insurance companies to compare prices, we have assembled a list of car insurance companies in your area. Click to enter zip code.

Compare rates however you want, just make sure you compare the exact same coverage data on every price quote you get. If you are comparing different coverage information it will be impossible to find the best deal for your BMW 7 Series.

Get lower rates with these discounts

Buying car insurance is not cheap, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically at quote time, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Safety Restraint Discount – Requiring all passengers to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Early Renewal Discounts – A few insurance companies offer discounts for switching companies before your current policy expires. This can save 10% or more.
  • Discounts for Multiple Vehicles – Having multiple cars or trucks with the same company can reduce the rates for all insured vehicles.
  • Discounts for Cautious Drivers – Insureds without accidents can pay as much as 50% less for 7 Series insurance than less cautious drivers.
  • Discount for Multiple Policies – When you combine your auto and homeowners insurance and insure them with the same company you may earn up to 20% off your total premium.

Drivers should understand that some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.

Companies that possibly offer some of the above discounts are:

  • USAA
  • Progressive
  • American Family
  • Esurance
  • Farmers Insurance
  • State Farm

When getting free car insurance quotes, it’s a good idea to all companies you are considering to apply every possible discount. Some discounts might not be available to policyholders in every state. To see insurers offering car insurance discounts, enter your zip code here.

Car insurance can be complex

When choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For example, these questions could help you determine if your situation would benefit from professional advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • When does my teenage driver need to be added to my policy?
  • When do I need to add a new car to my policy?
  • Am I covered when using my vehicle for business?
  • Should I rate my 2013 BMW 7 Series as pleasure use or commute?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How many claims can I have before being cancelled?
  • Am I covered when delivering products for my home-based business?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete your zip code. It’s fast, free and you can get the answers you need.

Specific coverage details

Learning about specific coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on most insurance policies.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses for doctor visits, chiropractic care and hospital visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Liability car insurance

This coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, pain and suffering, medical expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, falling objects, a broken windshield, a tree branch falling on your vehicle and hail damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your BMW 7 Series.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Auto collision coverage

This pays for damage to your 7 Series resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, rolling your car, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Be a penny pincher

The cheapest 2013 BMW 7 Series insurance can be sourced on the web as well as from insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not have rate quotes online and usually these small insurance companies sell through independent agents.

We’ve covered a lot of ways to reduce 2013 BMW 7 Series insurance car insurance rates online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the biggest savings come from the least-expected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

When shopping online for insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where an insured cut liability coverage limits and found out when filing a claim that it was a big error on their part. The proper strategy is to get the best coverage possible at the best possible price while still protecting your assets.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles