Save on 2014 BMW X5 Car 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: May 27, 2024

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When trying to find lower-cost insurance, do you get confused by the wide range of insurance coverage companies? vehicle owners have such a vast assortment of companies available that it can easily turn into a ton of work to find the best insurance coverage rates.

Compare insurance quotes

Performing a rate comparison can be exhausting if you don’t understand the fastest way to get free quotes. You could spend your day talking to insurance companies in your area, or you could save time and use the web for quick rates.

The majority of car insurance companies participate in an industry program that allows shoppers to complete one form, and at least one company returns a competitive quote based on that data. This saves time by eliminating repetitive form submissions to each individual insurance company.

To find out what other companies charge enter your zip code here.

The only drawback to using this type of system is you cannot specify which insurance companies you want pricing from. If you prefer to choose individual companies to compare rates, we have a listing of the cheapest insurance companies in your area. Click to enter zip code for insurance companies.

You can choose any of those ways to find more affordable coverage, but ensure you are comparing nearly identical quote information for each price quote. If you use different liability limits it will be next to impossible to determine which company has the best rates. Even a minor difference in insurance coverages or limits can make a big difference in price. And when price shopping your coverage, comparing a large number of companies helps you find the best offered rates.

Insurance policy discounts you can’t miss

Insurance is expensive, but you might find some hidden discounts that you may not know about. Some discounts will apply at quote time, but lesser-known reductions have to be specially asked for in order for you to get them. If you don’t get every credit available, you are throwing money away.

  • Discount for Home Ownership – Owning a house can help you save on insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Professional Memberships – Being a member of a qualifying organization could qualify you for a break on your policy.
  • One Accident Forgiven – This one is not really a discount per se, but some insurance companies will let one accident slide before your rates go up so long as you are claim-free prior to the accident.
  • Distant Student Discount – Children who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
  • Driver Education Discount – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
  • Paper-free Discount – Many insurance companies provide a small discount simply for signing on their website.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Telematics Data – Insureds that choose to allow their insurance company to analyze when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
  • Driver Training Discounts – Participating in a safe driver class can save you 5% or more depending on where you live.

We need to note that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, insurance companies aren’t that generous.

A few popular companies and some of the premium reductions they offer are included below.

  • Progressive has savings for online signing, multi-policy, homeowner, good student, and multi-vehicle.
  • MetLife offers discounts including multi-policy, good student, good driver, claim-free, and defensive driver.
  • Mercury Insurance has discounts for good student, multi-policy, age of vehicle, professional/association, and location of vehicle.
  • Nationwide may have discounts that include defensive driving, anti-theft, accident-free, business or organization, good student, family plan, and easy pay.
  • GEICO policyholders can earn discounts including defensive driver, five-year accident-free, membership and employees, driver training, anti-theft, and seat belt use.
  • AAA offers discounts for anti-theft, good driver, good student, pay-in-full, and AAA membership discount.

When comparing rates, check with each company or agent which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in every state.

Insurance agents can help

When it comes to choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • Which is better, split liability limits or combined limits?
  • Does medical payments coverage apply to all occupants?
  • Is there coverage for injuries to my pets?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered when driving in Canada or Mexico?
  • When does my teenage driver need to be added to my policy?
  • What vehicles should carry emergency assistance coverage?
  • When should I drop full coverage on my 2014 BMW X5?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete your zip code.

Car insurance coverages for a 2014 BMW X5

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills for chiropractic care, X-ray expenses, dental work and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible


This will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things such as funeral expenses, emergency aid, legal defense fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, damage from getting keyed, damage from flooding, rock chips in glass and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This will pay to fix damage to your X5 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your BMW X5.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

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