Lower Your 2014 BMW 6 Series Insurance Quotes in 2024

Locating better insurance prices for a BMW 6 Series could be a painful process, but you can use a few tricks to make it easier.

There is a better way to buy insurance coverage so you’re going to learn the absolute fastest way to get price quotes for a new or used BMW and get the lowest possible price from local insurance agents and online providers.

It’s a good habit to compare prices quite often because insurance coverage prices change quite often. Even if you think you had the lowest price on 6 Series coverage two years ago you can probably find a better rate now. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you how to quote online to find better rates and still maintain coverage.

If you have a policy now or need a new policy, you can use this information to shop for the lowest rates while maximizing coverage. Locating affordable coverage is easy if you know what you’re doing. Drivers just need to know the most effective way to shop for car insurance online.

Do you qualify for discounts?

Companies don’t list the entire discount list in an easy-to-find place, so the following list contains both the well known and also the more inconspicuous discounts you could be receiving when you buy insurance coverage online.

• Good Student – Getting good grades may save you up to 25%. This discount can apply up to age 25.
• Multiple Cars – Insuring primary and secondary vehicles with the same car insurance company qualifies for this discount.
• Student in College – College-age children who live away from home at college and leave their car at home may be insured at a cheaper rate.
• Accident-Free Discounts – Drivers who stay claim-free pay less in comparison with frequent claim filers.
• Driver Safety – Participating in a driver safety course could cut 5% off your bill if your company offers it.

Keep in mind that most credits do not apply to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Companies and a partial list of their discounts can be found below.

• State Farm discounts include defensive driving training, good driver, safe vehicle, multiple autos, Steer Clear safe driver discount, driver’s education, and student away at school.
• Progressive policyholders can earn discounts including multi-policy, online signing, homeowner, continuous coverage, multi-vehicle, good student, and online quote discount.
• Progressive may offer discounts for multi-vehicle, continuous coverage, multi-policy, homeowner, online signing, good student, and online quote discount.
• MetLife offers discounts for defensive driver, multi-policy, good student, good driver, accident-free, and claim-free.
• Farm Bureau has savings for youthful driver, 55 and retired, safe driver, multi-vehicle, good student, and multi-policy.
• GEICO may include discounts for multi-policy, seat belt use, membership and employees, good student, anti-lock brakes, and military active duty.
• SAFECO may have discounts that include homeowner, anti-theft, anti-lock brakes, teen safe driver, drive less, and teen safety rewards.

If you need inexpensive insurance coverage quotes, ask each insurance company how many discounts you can get. Discounts may not apply to policyholders in your area. To view insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

Get cheap insurance costs by understanding these factors

A large part of saving on car insurance is knowing the rating factors that go into determining your policy premiums. If you understand what impacts premium levels, this allows you to make educated decisions that can earn you lower rates.

• Premiums are high for teenagers – Teenage drivers are statistically proven to be inattentive and easily distracted when driving with friends therefore car insurance rates are much higher. If you’ve ever had to add a inexperienced driver to your policy will cause a huge premium hike. Mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
• Tickets and citations cost more than a fine – Your driving citation history has a big impact on rates. Drivers with clean records receive lower rates as compared to those with violations. Even one chargeable violation can boost insurance rates by as much as twenty percent. Drivers who have received multiple citations such as DUI or reckless driving are required to submit a SR-22 form with their state in order to legally drive a vehicle.
• Small claims can cost you – Car insurance companies generally give discounts to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is designed for claims that pose a financial burden.
• Limits of liability insurance – The liability section of your policy provides coverage if you are determined to be liable for personal injury or accident damage. Liability insurance provides you with a defense in court starting from day one. Liability insurance is pretty cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.

Don’t assume everyone needs the same insurance coverage coverage

When choosing adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

• How can I force my company to pay a claim?
• Why am I required to buy liability insurance?
• What is medical payments coverage?
• Are my tools covered if they get stolen from my vehicle?
• Can my teen driver be rated on a liability-only vehicle?
• Am I covered if my car is in a flood?
• Do I need an umbrella policy?
• How much can I save by bundling my policies?
• If I drive on a suspended license am I covered?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Ads can be misleading

Consumers constantly see and hear ads for insurance savings from the likes of Progressive, Allstate and GEICO. They all try to convey promises about savings if you get a free insurance coverage quote and switch to their company.

It sounds good, but how can they all save you money? This is the way they can do it.

Insurance providers have a preferred profile for the type of customer that will add to their bottom line. For example, this type of driver should be between the ages of 30 and 50, has no driving citations, and insures a new vehicle. A driver who matches that profile is entitled to the best price and most likely will pay quite a bit less when switching companies.

Potential customers who do not match the ideal profile will be charged higher premiums which translates to the customer buying from someone else. Company advertisements say “people that switch” not “all people who quote” save that much when switching. That’s why companies can make the claims of big savings.

This really drives home the point why you need to get price quotes at each policy renewal. It’s not possible to predict the company that will provide the lowest prices.

Information about specific coverages

Having a good grasp of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2014 BMW 6 Series.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers claims such as damage from flooding, a broken windshield, hail damage, a tree branch falling on your vehicle and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for things like hospital visits, surgery, chiropractic care and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays for damage to your 6 Series resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, hitting a mailbox, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

At the end of the day…

We’ve covered a lot of ways to shop for 2014 BMW 6 Series insurance online. The most important thing to understand is the more providers you compare, the better likelihood of getting cheap insurance coverage. Drivers may discover the biggest savings come from the smaller companies.

When shopping online for insurance coverage, make sure you don’t buy less coverage just to save a little money. There are many occasions where drivers have reduced full coverage only to discover later they didn’t have enough coverage. The goal is to purchase plenty of coverage at the best possible price and still be able to protect your assets.

Consumers leave their current company for any number of reasons including poor customer service, an unsatisfactory settlement offer, unfair underwriting practices and delays in responding to claim requests. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.