Compare 2017 BMW 4 Series 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 1, 2024

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If you’re looking for lower-priced insurance, are you intimidated by the sheer number of insurance providers that you can choose from? Many other drivers are as well. There are such a vast assortment of providers available that it can be a ton of work to find the lowest price.

This information will let you in on how car insurance quotes work. If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Nevertheless, car owners do need to understand the way insurance companies sell online.

How insurance providers calculate BMW 4 Series insurance premiums

Many things are part of the equation when quoting car insurance. Some are obvious like your driving record, but other factors are less apparent like your vehicle usage and annual miles driven. A large part of saving on insurance coverage is knowing the different types of things that aid in calculating insurance coverage rates. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that could help you find better insurance coverage rates.

  • Alarms and GPS tracking lower premiums – Buying a car with advanced anti-theft systems can save you a little every year. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.
  • Rural areas have lower prices – Being located in less populated areas of the country has definite advantages when shopping for auto insurance. Fewer drivers on the road means less chance of accidents and a lower car theft rate. City drivers have to deal with congested traffic and more time behind the wheel. More time on the road means higher likelihood of an accident.
  • Low stress job equals lower rates – Occupational choices like fire fighters, police officers and dentists usually pay higher premium rates in part from intense work requirements and incredibly demanding work hours. Conversely, jobs like actors, historians and retirees pay the least for 4 Series insurance.
  • Your age impacts your premiums – Young drivers are statistically proven to get distracted easily with other occupants in the car so insurance coverage rates are higher. If you’ve ever had to add a inexperienced driver onto a policy can really hurt. Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents and tend to be get fewer driving tickets.
  • Consolidate policies and save money – Most companies apply a discount to buyers who consolidate policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to shop around to confirm you are receiving the best rates possible. Consumers may find lower rates even if you have your coverage with different companies.
  • Careless drivers pay higher costs – Good drivers get better rates than bad drivers. Having just one citation can bump up the cost by as much as thirty percent. People who have flagrant violations like reckless driving or DUI may find they need to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Too many policy claims drive up rates – If you file claims often, don’t be surprised to see either higher rates or even cancellation. Car insurance companies give most affordable rates to people who are claim-free. Your insurance policy is designed for the large, substantial claims.
  • Cheaper rates with safer cars – Safer cars are cheaper to insure. Vehicles engineered for safety protect occupants better and better occupant protection means your insurance company pays less and thus lower rates.

How much is insurance coverage?

There are multiple methods to compare insurance coverage prices but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could use online quotes to get prices fast.

Many popular insurance companies belong to an insurance system where prospective buyers send in one quote, and every company then returns a price quote for coverage. This prevents consumers from doing repetitive form submissions to each company. To get comparison pricing now enter your zip code here.

The only drawback to doing it this way is you can’t choose the insurers to get quotes from. If you wish to select specific providers for rate comparison, we have assembled a list of companies who write insurance coverage in your area. Click to enter zip code.

It’s up to you how you get prices quotes, just ensure you’re using the exact same deductibles and coverage limits for every quote you compare. If each company quotes unequal deductibles or liability limits it will be nearly impossible to find the best deal for your BMW 4 Series. Just a small difference in insurance coverages can mean a large discrepancy in price. Just keep in mind that comparing a wide range of rates helps improve the odds of finding more affordable rates.

Drivers can save with with these discounts

Companies don’t always list their entire list of discounts very clearly, so the list below details some of the best known and also the lesser-known credits available to you.

  • Active Service Discounts – Having a family member in the military could be rewarded with lower prices.
  • E-sign Discounts – Some of the larger companies give back up to $50 for buying a policy and signing up online.
  • Home Ownership Discount – Owning your own home or condo may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
  • Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts can save 10% or more on medical payment and PIP coverage.
  • Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
  • Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Companies and a partial list of their discounts include:

  • Esurance includes discounts for safety device, online quote, online shopper, emergency road assistance, and Switch & Save.
  • The Hartford may offer discounts for bundle, vehicle fuel type, air bag, good student, and driver training.
  • AAA may include discounts for anti-theft, education and occupation, good student, good driver, and pay-in-full.
  • GEICO offers premium reductions for membership and employees, military active duty, emergency military deployment, federal employee, multi-policy, and air bags.
  • State Farm policyholders can earn discounts including accident-free, passive restraint, Steer Clear safe driver discount, Drive Safe & Save, multiple autos, good driver, and anti-theft.

Before you buy a policy, ask each insurance company the best way to save money. Some credits may not be available everywhere. If you would like to view insurers that can offer you the previously mentioned discounts, enter your zip code here.

Your situation helps dictate your coverage

When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different.

For example, these questions might point out if you would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • Can I afford to buy a different vehicle if my 2017 BMW 4 Series is totaled?
  • Can my babysitter drive my car?
  • Does coverage extend to Mexico or Canada?
  • Are my friends covered when driving my car?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and enter your zip code.

Car insurance coverages for a BMW 4 Series

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your 2017 BMW 4 Series.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

Collision coverage will pay to fix damage to your 4 Series resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, rolling your car, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, falling objects, hitting a deer, hitting a bird and vandalism. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills such as dental work, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This can cover damage that occurs to other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like funeral expenses, repair bills for other people’s vehicles, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Quote often and quote early

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. Too many times, an insured cut liability coverage limits only to regret they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price.

You just read a lot of ways to save on 2017 BMW 4 Series insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a lesser-known regional company.

Some companies may not have online rate quotes and most of the time these smaller providers only sell through independent agents. Lower-priced 2017 BMW 4 Series insurance can be found both online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection.

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