2014 BMW 6 Series Gran Coupe Insurance Cost 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 29, 2024

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Trying to find the cheapest insurance coverage rates for your BMW 6 Series Gran Coupe? Are you tired of scraping the payment together to pay high insurance coverage rates every month? You have the same problem as many other drivers. You have multiple insurance companies to choose from, and though it is a good thing to have a choice, having more car insurance companies makes it harder to find the best rates for your vehicles.

Smart consumers take time to compare prices quite often because insurance coverage prices change frequently. Just because you had the lowest rates on 6 Series Gran Coupe coverage a couple years back a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate how to use online quotes to lower your rates without sacrificing coverage.

This article will teach you the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. Consumers just need to know the proper way to get comparison quotes over the internet.

Verify you’re getting every discount

Insurance is not inexpensive, but there could be significant discounts that many people don’t even know exist. Some discounts will apply at the time of quoting, but some must be specifically requested before being credited.

  • 55 and Retired – Seniors may receive better insurance rates on 6 Series Gran Coupe coverage.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on one policy qualifies for this discount.
  • Switch and Save Discount – A few insurance companies offer discounts for switching to them prior to your current policy expiring. It could save around 10% when you buy insurance online.
  • Fewer Miles Equal More Savings – Fewer annual miles on your BMW can earn lower premium rates due to less chance of an accident.
  • Home Ownership Discount – Just being a homeowner can help you save on insurance since home ownership requires a higher level of personal finance.
  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
  • No Claim Discounts – Drivers who don’t have accidents can earn big discounts when compared with policyholders that have many claims.

You can save money using discounts, but most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, you won’t be that lucky.

Insurance companies that may offer quotes with these benefits may include but are not limited to:

  • Farm Bureau
  • State Farm
  • Progressive
  • Allstate
  • Nationwide
  • MetLife

Check with every company to apply every possible discount. Some discounts listed above might not be offered on policies in your area. If you would like to see a list of insurers with discount rates, enter your zip code here.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Each situation is unique so this has to be addressed. For instance, these questions could help you determine whether or not you may require specific advice.

  • Does having multiple vehicles earn me a discount?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if my car is in a flood?
  • Do I need added coverage for expensive stereo equipment?
  • If my 2014 BMW 6 Series Gran Coupe is totaled, can I afford another vehicle?
  • Is my trailer covered?
  • What is no-fault insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and enter your zip code. It only takes a few minutes and can help protect your family.

Car insurance myths debunked

Drivers constantly see and hear ads that promise big savings by companies like State Farm, GEICO and Progressive. All the companies make the same claim of big savings if you move your policy.

How can each company claim to save you money? It’s all in the wording.

Different companies quote their best rates for a prospective insured that will most likely be profitable. A good example of this type of driver might have to be a married male, has few claims, and has excellent credit. A prospective insured who matches those parameters receives the best auto insurance rates and most likely will save if they switch.

Insureds who are not a match for the “perfect” profile must pay higher rates which results in the customer buying from someone else. The ads state “customers who switch” not “everyone who quotes” save money. That is how companies can truthfully make claims that they all have the best premium rates.

Because of the profiling, you really should compare many company’s premium rates. You cannot predict which company will be your best fit.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Auto collision coverage

This coverage covers damage to your 6 Series Gran Coupe resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, colliding with another moving vehicle, rolling your car, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your 2014 BMW 6 Series Gran Coupe.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liability limits.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, falling objects, a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as funeral expenses, repair costs for stationary objects, bail bonds, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like chiropractic care, rehabilitation expenses and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

A penny earned…

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at an affordable rate and still be able to protect your assets.

We covered a lot of techniques to save on 2014 BMW 6 Series Gran Coupe insurance. The key thing to remember is the more times you quote, the better your chances of lowering your prices. Drivers may discover the lowest premium rates come from the smaller companies. Some small companies can often provide lower prices in certain areas compared to the large companies like State Farm or Progressive.

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