How Much Does 2017 BMW 4 Series Gran Coupe 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: Apr 11, 2024

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Wish you could get out of an expensive car insurance policy? Trust us when we tell you there are lots of residents who feel the same. Due to the abundance of car insurance companies to choose from, it can be hard to pick the most cost effective car insurance provider.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use this information to find better prices while maintaining coverages. Drivers only need to know the best way to compare rates online.

Insurance coverage discounts are available to slash your rates

Insurance coverage is not an enjoyable expense, but you might find some hidden discounts that can help lower your rates. A few discounts will automatically apply when you purchase, but some need to be specially asked for before being credited.

  • Payment Discounts – By paying your entire bill at once instead of making monthly payments you may reduce your total bill.
  • Paper-free Discount – Certain insurance companies will give a small break simply for signing on their website.
  • Telematics Discount – Drivers that enable their insurance company to analyze their driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they exhibit good driving behavior.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for 4 Series Gran Coupe coverage depending on your company.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up could save 15% off the medical payments premium.
  • Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Home Ownership Discount – Owning a house can save a few bucks because it is proof of financial responsibility.
  • Drive Less and Save – Maintaining low annual mileage could earn better rates on cars that stay parked.
  • Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety may get you a small discount and also improve your driving technique.

A little disclaimer on discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, it’s just not the way it works.

Companies and a partial list of their discounts are included below.

  • American Family offers discounts including defensive driver, early bird, Steer into Savings, TimeAway discount, and accident-free.
  • Farm Bureau may include discounts for good student, multi-vehicle, safe driver, renewal discount, and driver training.
  • State Farm includes discounts for passive restraint, driver’s education, multiple policy, accident-free, Drive Safe & Save, and good driver.
  • Travelers may have discounts that include driver training, home ownership, early quote, save driver, good student, multi-car, and multi-policy.
  • The Hartford offers discounts for defensive driver, anti-theft, vehicle fuel type, air bag, good student, and driver training.
  • GEICO policyholders can earn discounts including anti-lock brakes, driver training, emergency military deployment, seat belt use, and daytime running lights.
  • Progressive has discounts for homeowner, online quote discount, multi-policy, good student, and online signing.

When getting free insurance coverage quotes, it’s a good idea to every company which discounts can lower your rates. Discounts might not be offered on policies everywhere. To locate insurance coverage companies who offer insurance coverage discounts, enter your zip code here.

How your 4 Series Gran Coupe insurance rates are determined

When buying car insurance it’s important to understand the rating factors that come into play when calculating car insurance rates. If you know what controls the rates you pay, this allows you to make good choices that may result in lower rates.

The factors shown below are some of the major factors companies use to determine your rates.

  • Extra coverages may be wasting money – There are a lot of add-on coverages that sound like a good idea at the time when buying car insurance. Add-on coverages like replacement cost coverage, accidental death, and extra life insurance coverage are probably not needed. They may seem good when buying your policy, but if you don’t need them remove them and pocket the money.
  • Liability protection is critical – Liability coverage provides coverage if you are found liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Lower rates for cars with good safety ratings – Cars with high safety ratings tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your BMW scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Never let your coverage lapse – Going without insurance is a guaranteed way to increase your car insurance rates. In addition to paying higher premiums, getting caught without coverage can result in a revoked license or a big fine.
  • Cautious drivers pay better prices – Drivers who don’t get tickets get better rates as compared to careless drivers. Having just one citation may increase your cost by as much as twenty percent. Drivers unfortunate enough to have multiple violations such as DUI or willful reckless driving may be required to complete a SR-22 with their state in order to prevent a license revocation.
  • Where you call home factors in – Residing in less populated areas can be a good thing when insuring your vehicles. Residents of big cities have to deal with more auto accidents and higher rates of accident claims. Lower population means less chance of accidents as well as less vandalism and auto theft.
  • Drive fewer miles and save – The more you drive each year the higher your rate. A lot of companies apply a rate based upon how much you drive. Cars used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. Having an incorrect usage rating on your 4 Series Gran Coupe may be wasting your money. Ask your agent if your vehicle rating reflects the proper vehicle usage.
  • Get hitched and pay lower premiums – Having a significant other helps lower the price on your policy. Having a spouse usually means you are more financially stable and it’s statistically proven that married drivers tend to have fewer serious accidents.

Everyone needs different insurance coverages

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining whether or not you would benefit from professional advice.

  • How much liability do I need to cover my assets?
  • What is roadside assistance coverage?
  • How do I insure my teen driver?
  • Do I pay less if my vehicle is kept in my garage?
  • Does insurance cover damages from a DUI accident?
  • What is medical payments coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Having a good grasp of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from car insurance companies.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, vandalism and rock chips in glass. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses for dental work, nursing services, ambulance fees and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This coverage pays for damage to your 4 Series Gran Coupe resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, crashing into a building, backing into a parked car, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your BMW 4 Series Gran Coupe.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance

This will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like medical services, bail bonds, funeral expenses, structural damage and court costs. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Coverage on a shoestring budget

Cost effective 2017 BMW 4 Series Gran Coupe insurance can be bought on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get quotes online and many times these small, regional companies sell through independent agencies.

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Throughout this article, we presented some good ideas how to save on 2017 BMW 4 Series Gran Coupe insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest prices come from a company that doesn’t do a lot of advertising. Regional companies may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

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