2017 BMW 6 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: May 29, 2024

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Searching for better auto insurance rates for your BMW 6 Series Gran Coupe? Locating better insurance prices for your BMW 6 Series Gran Coupe can be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the best way to get price quotes for a new or used BMW and find the lowest possible price.

It’s smart to compare premium rates before your next renewal due to the fact that insurance prices are usually higher with each renewal. Just because you found the best deal on 6 Series Gran Coupe insurance last year you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn how to use online quotes to find better rates and still maintain coverage.

If you have a current car insurance policy or are just looking to switch companies, you can follow these tips to find better prices while maximizing coverage. Shopping for the best car insurance is easy if you know what you’re doing. Vehicle owners only need to know the best way to compare prices on the web.

Six factors that impact insurance rates

It’s important that you understand a few of the rating criteria that aid in calculating your premiums. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that could result in lower rates.

The following are a few of the things companies use to determine premiums.

  • Traffic violations inflate costs – Having just one ticket can increase the cost of insurance substantially. Drivers who don’t get tickets receive lower rates as compared to careless drivers. People who have serious tickets like DUI or reckless driving might be required by their state to maintain a SR-22 with their state in order to drive a vehicle legally.
  • Insure car and home with the same company – Many insurance companies will give lower prices to clients that buy multiple policies in the form of a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even if you qualify for this discount already, you may still want to check prices from other companies to make sure you are getting the best deal.
  • Excellent credit saves on insurance coverage – Having a bad credit history is a big factor in determining your rates. If your credit history is low, you could pay less to insure your 2017 BMW 6 Series Gran Coupe by taking the time to improve your credit score. People that have high credit scores tend to file fewer claims and have better driving records than those with bad credit.
  • Low stress vocation equals lower premiums – Do you work in a high-stress field? Careers such as lawyers, social workers and dentists generally have the highest rates attributed to intense work situations and lots of time spent at work. Conversely, occupations like professors, athletes and performers pay lower than average rates on 6 Series Gran Coupe insurance.
  • You might want pay the minor claims yourself – Insurance companies generally give the lowest premiums to people who only file infrequent claims. If you file a lot of claims you can definitely plan on higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Teen driver insurance rates – More mature drivers tend to be more responsible, are lower risk to insure and tend to be get fewer driving tickets. Youthful drivers are statistically proven to be inattentive and easily distracted with other occupants in the car and because of this, their insurance coverage rates are much higher.

The method we recommend to compare car insurance rates is to know car insurance companies will pay a fee to provide you with a free rate quote. The only thing you need to do is provide details like if you have a valid license, whether the vehicles are used for commuting, if you require a SR-22, and whether you are single or married. The data is then sent to all major companies and they provide comparison quotes with very little delay.

Save 15 percent in 15 minutes? Is it for real?

Drivers constantly see and hear ads that promise big savings for switching from companies such as Allstate, GEICO and Progressive. All the companies make an identical promise that you’ll save big if you just switch your coverage.

It sounds good, but how can they all charge lower premium rates? This is how they do it.

Insurance providers look for specific characteristics for the type of driver that makes them money. For instance, a preferred risk should be a married female, owns a home, and drives less than 5,000 miles a year. Someone that matches those criteria gets the lowest rates and is almost guaranteed to save money with a new company.

Consumers who cannot meet these stringent criteria will see higher rates and this results in the customer buying from a different company. The ads say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why insurance companies can confidently make claims that they all have the best premium rates.

Each company has different criteria, so drivers must get price quotes at each policy renewal. It’s not possible to predict which company will have the lowest rates.

Discount auto insurance rates

Companies that sell car insurance don’t always publicize all possible discounts in a way that’s easy to find, so the following is a list of a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates. If you’re not getting every credit possible, you could be saving more on your auto insurance.

  • Student Driver Training – Require your teen driver to complete a driver education course in high school.
  • Multi-car Discount – Drivers who insure multiple cars with one company can reduce the rates for all insured vehicles.
  • Organization Discounts – Having an affiliation with a qualifying organization could trigger savings when getting a insurance coverage quote.
  • Sign Early and Save – Some larger companies provide a discount for buying a new policy early. You may see this discount when you get insurance coverage quotes online.
  • Savings for New Vehicles – Insuring a new car can save you some money compared to insuring an older model.
  • Homeowners Discount – Just being a homeowner can save you money because it requires a higher level of personal finance.
  • Defensive Driver Discounts – Participating in a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.

Don’t be shocked that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Large auto insurance companies and the discounts they provide can be found below.

  • GEICO includes discounts for membership and employees, federal employee, good student, daytime running lights, multi-policy, driver training, and multi-vehicle.
  • MetLife policyholders can earn discounts including multi-policy, good student, defensive driver, accident-free, good driver, and claim-free.
  • State Farm may include discounts for good driver, Steer Clear safe driver discount, multiple policy, passive restraint, safe vehicle, student away at school, and multiple autos.
  • Progressive may have discounts that include multi-vehicle, continuous coverage, multi-policy, online signing, and online quote discount.
  • Mercury Insurance has discounts for annual mileage, age of vehicle, multi-policy, location of vehicle, anti-theft, and multi-car.
  • 21st Century offers discounts including 55 and older, early bird, anti-lock brakes, good student, theft prevention, air bags, and defensive driver.
  • Allstate offers discounts for auto/life discount, farm vehicle, multi-policy, good student, economy car, safe driver, and resident student.

Double check with all the companies to apply every possible discount. Some discounts listed above might not be available to policyholders in your area. To see a list of providers offering auto insurance discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions can aid in determining whether you might need professional guidance.

  • Where can I find DUI or SR-22 insurance?
  • Is rental equipment covered for theft or damage?
  • When would I need additional glass coverage?
  • What if I owe more than I can insure my car for?
  • If I drive on a suspended license am I covered?
  • When would I need rental car insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code. It’s fast, free and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like pain medications, chiropractic care and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

This can cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like emergency aid, medical expenses, attorney fees, medical services and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding, theft and falling objects. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This pays for damage to your 6 Series Gran Coupe caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your BMW 6 Series Gran Coupe.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

More quotes. Lower rates.

In this article, we presented many ways to shop for 2017 BMW 6 Series Gran Coupe insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the best prices are with the smaller companies.

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, delays in responding to claim requests and questionable increases in premium. No matter why you want to switch, finding the right auto insurance provider is not as difficult as it may seem.

When getting insurance coverage quotes online, never reduce needed coverages to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

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