2014 BMW ActiveHybrid 5 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 28, 2024

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Want better insurance rates for your BMW ActiveHybrid 5? Having to pay for overpriced insurance can deplete your monthly budget and force you to tighten up your finances. Performing a price comparison is an excellent way to make sure you’re not throwing money away.

Due to the fact that there are so many insurance companies to choose from, it’s difficult to locate the lowest price insurer.

You should make it a habit to do price comparisons at least once a year because prices are adjusted regularly by insurance companies. Just because you found the best deal for ActiveHybrid 5 insurance six months ago there may be better deals available now. Forget all the misinformation about insurance because you’re going to learn the only way to reduce your cost while increasing coverage.

How to find the cheapest auto insurance

Most of the larger companies such as GEICO, State Farm and Progressive allow consumers to get insurance quotes direct online. Getting prices online is fairly straightforward as you simply enter your coverage preferences as detailed in the form. After you submit the form their system automatically retrieves information on your driving record and credit history and returns pricing information based on these and other factors. Being able to quote online simplifies rate comparisons, but the time required to go to several different sites and fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible if you are searching for better auto insurance pricing.

There is a better way to compare rates

A quicker way to get multiple rate quotes makes use of a single form to get prices from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much easier to do. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any of the returned quotes. If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process just takes a couple of minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, simply enter your zip code here and complete the simple form. If you have a policy now, it’s recommended you complete the form with deductibles and limits as shown on your current policy. Doing this guarantees you’re receiving comparison quotes for similar insurance coverage.

How to lower your insurance rates

Lots of things are considered when you get your auto insurance bill. Some are obvious such as your driving record, but others are more obscure like your vehicle usage and annual miles driven.

  • Does car insurance cost more for men? – Over time, data shows women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Males and females are responsible for accidents in similar numbers, but men cause more damage and cost insurance companies more money. Not only are claims higher, but men get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 generally have the highest accident percentage and thus pay the highest rates.
  • Do you have a high stress occupation? – Did you know that where you work can have an impact on rates? Careers such as judges, police officers and stock brokers are shown to have higher average rates due to high stress levels and long work hours. On the other hand, professions such as actors, engineers and performers have the lowest average rates for ActiveHybrid 5 insurance.
  • Tickets can increase rates – Careful drivers get better prices compared to bad drivers. Getting just one speeding ticket or other violation could increase your next policy renewal twenty percent or more. Drivers unfortunate enough to have flagrant violations like DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.
  • Liability is peace of mind – Your car insurance policy’s liability coverage is the coverage that protects you when a court rules you are at fault for personal injury or accident damage. It will provide you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Single vs. married – Having a spouse may earn you lower rates on your car insurance policy. Having a spouse generally demonstrates drivers are more mature than a single person and insurance companies like that being married results in fewer claims.
  • Teen driver insurance costs – Drivers with little experience have been known to be less responsible with other occupants in the car so car insurance rates are higher. Older drivers are more responsible, statistically cause fewer accidents , and usually have better credit.
  • Insure your auto and home with one company – Lots of car insurance companies will award a discount to customers who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount applied, you may still want to get quotes from other companies to guarantee you are still saving the most.

Reduce your auto insurance rates with discounts

Not too many consumers would say auto insurance is affordable, but you might already qualify for some discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but occasionally some discounts must be inquired about before they will apply.

  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
  • Save with More Vehicles Insured – Having all your vehicles on the same auto insurance policy can get a discount for every vehicle.
  • Braking Control Discount – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.
  • Low Mileage Discounts – Keeping the miles down on your BMW can qualify you for discounted rates on garaged vehicles.
  • Discounts for Cautious Drivers – Safe drivers may save up to 50% more for ActiveHybrid 5 insurance compared to rates paid by drivers with frequent claims.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.

You can save money using discounts, but some of the credits will not apply to the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

To locate insurers who offer discounts, enter your zip code here.

You are unique and your auto insurance should be too

When choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

  • When should I remove comp and collision on my 2014 BMW ActiveHybrid 5?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is rental equipment covered for theft or damage?
  • Are rock chip repairs covered?
  • Do I need Motor Club coverage?
  • How does medical payments coverage work?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete your zip code. It’s fast, free and can provide invaluable advice.

Insurance coverage specifics

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your BMW ActiveHybrid 5.

Since a lot of drivers 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 a good idea.

Auto liability

Liability coverage provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others, and doesn’t cover 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. You commonly see limits of 100/300/100 which means 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 coverage protects against things like funeral expenses, court costs, repair costs for stationary objects and emergency aid. How much coverage you buy is up to you, but buy as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills like hospital visits, surgery and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, damage from flooding and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This covers damage to your ActiveHybrid 5 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Spend less. Save more.

Some companies do not offer the ability to get quotes online and these regional carriers only sell coverage through independent insurance agents. Low-cost 2014 BMW ActiveHybrid 5 insurance is definitely available online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money.

You just learned many ideas to compare 2014 BMW ActiveHybrid 5 insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding cheaper car insurance. You may even discover the lowest priced insurance comes from some of the lesser-known companies. They often have lower rates on specific markets than the large multi-state companies such as Allstate and Progressive.

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