2016 BMW 6 Series Gran Coupe Insurance Rates 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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If you are new to online price comparisons, it’s easy to get baffled due to the large number of insurance providers who claim to have the best insurance coverage rates.

It’s a great practice to quote other rates before your policy renews because insurance coverage prices go up and down regularly. Just because you had the lowest price for 6 Series Gran Coupe coverage on your last policy other companies may now be cheaper. Block out anything you think you know about insurance coverage because it’s time to teach you the proper way to properly buy coverages and cut your premium.

Finding affordable coverage is easy if you know what you’re doing. In a nutshell, every vehicle owner who buys car insurance will most likely be able to save money. Nevertheless, drivers benefit from understanding how the larger insurance companies compete online and use this information to your advantage.

How to compare insurance coverage price quotes

Many insurance companies provide price estimates from their websites. This process is easy for anyone because you just enter the amount of coverage you want into the form. When the form is submitted, their system collects your driving record and credit report and returns a price based on the information you submitted.

Quoting online simplifies rate comparisons, but the process of having to visit many different websites and type in the same information can be a bit repetitive. Unfortunately, it is important to perform this step if you want to find the lowest price.

There is a better way!

A better way to find lower prices makes use of a single form to return rates from more than one company. The form is fast, requires less work, and makes quoting online much easier to do. After your information is entered, it gets priced with multiple companies and you can pick any one of the quotes returned. If the quotes result in lower rates, you can click and sign and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

In order to find out how much you can save on insurance coverage, simply enter your zip code here and complete the simple form. If you have coverage now, it’s recommended you complete the form with exactly as they are listed on your policy. Doing this assures you will get a fair comparison for the exact same coverage.

Discounts to earn lower-cost car insurance rates

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that can help lower your rates. Certain credits will be shown when you purchase, but a few must be specifically requested before they will apply.

  • Safe Driver Discount – Accident-free drivers can pay as much as 50% less for 6 Series Gran Coupe coverage compared to rates paid by drivers with frequent claims.
  • One Accident Forgiven – This one isn’t a discount, but some companies like Allstate, Progressive, and GEICO may permit one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.
  • Life Insurance – Not all car insurance companies offer life insurance, but some may give you a lower rate if you buy a life insurance policy as well.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems can get savings of 25 to 30%.
  • Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction for 6 Series Gran Coupe coverage with some car insurance companies.
  • Professional Memberships – Being a member of a qualifying organization may earn a discount on your policy.
  • Multiple Cars – Buying a policy with all your vehicles with the same company may reduce the rate for each vehicle.
  • ABS Braking Discount – Cars equipped with ABS or steering control can avoid accidents and will save you 10% or more.

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you can get free auto insurance, it just doesn’t work that way.

A few popular companies and a selection of discounts can be read below.

  • Progressive offers premium reductions for good student, multi-vehicle, online signing, online quote discount, and continuous coverage.
  • The Hartford policyholders can earn discounts including good student, driver training, vehicle fuel type, defensive driver, and bundle.
  • Mercury Insurance may offer discounts for multi-policy, multi-car, location of vehicle, ease of repair, low natural disaster claims, type of vehicle, and good student.
  • GEICO includes discounts for air bags, federal employee, defensive driver, seat belt use, multi-policy, daytime running lights, and anti-theft.
  • AAA has discounts for multi-car, pay-in-full, education and occupation, anti-theft, good driver, and multi-policy.
  • State Farm offers discounts including good student, multiple autos, passive restraint, accident-free, anti-theft, safe vehicle, and defensive driving training.

It’s a good idea to ask each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your area. If you would like to choose from a list of companies that can offer you the previously mentioned discounts, enter your zip code here.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might point out if your insurance needs could use an agent’s help.

  • Does car insurance cover theft of personal property?
  • Do I need more liability coverage?
  • Do I really need UM/UIM coverage?
  • When does my teenage driver need to be added to my policy?
  • Do I have coverage when making deliveries for my home business?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out your zip code.

What insurance coverages do you need?

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, hail damage and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, pain and suffering, bail bonds, loss of income and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like rehabilitation expenses, EMT expenses, prosthetic devices, funeral costs and pain medications. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision insurance

Collision insurance pays for damage to your 6 Series Gran Coupe resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

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