2017 BMW X4 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 15, 2024

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Looking for better car insurance rates for your BMW X4? Pricey BMW X4 insurance can take a big chunk out of your savings and make it tough to pay other bills. Comparing rates annually is recommended to lower your bills every month.

With so many different company options, it is very difficult to find a lower cost company.

It’s important to quote other rates yearly due to the fact that insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rate for X4 coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to find out the right way to get good coverage at a lower rate.

Compare free auto insurance quotes

Most of the larger companies allow you to get price estimates direct online. Doing online quotes is fairly straightforward as all you need to do is type in your coverage preferences as requested by the quote form. Behind the scenes, their rating system makes automated requests for information on your driving record and credit history and quotes a price determined by many factors. Being able to quote online makes it a lot easier to compare rates but having to visit several different sites and type in the same information can be a bit repetitive. But it is imperative to perform this step in order to get the lowest price.

Compare rates the easy way

A better way to find lower prices uses just one form that analyzes rates from a bunch of companies at once. It’s a real time-saver, eliminates form submissions, and makes online quotes a lot less work. As soon as the form is sent, your coverage is rated and you can select any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. It only takes a few minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, simply enter your zip code here and submit your coverage information. If you have your current policy handy, we recommend you replicate coverages and limits exactly as shown on your declarations page. Using the same limits helps guarantee you’re receiving an apples-to-apples comparison for exact coverage.

Insurance policy discounts you can’t miss

Insurance can be pricey, but you can get discounts that many people don’t even know exist. Most are applied when you purchase, but some may not be applied and must be inquired about before you will receive the discount. If you don’t get every credit you qualify for, you may be paying too high a price.

  • Senior Discount – If you qualify as a senior citizen, you are able to get a discount up to 10% for X4 coverage.
  • Onboard Data Collection – People who choose to allow driving data collection to analyze their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as they are good drivers.
  • Military Rewards – Having a family member in the military may lower your rates slightly.
  • College Student – Youth drivers who are attending college and won’t have access to an insured vehicle could qualify for this discount.
  • Seat Belt Usage – Requiring all passengers to fasten their seat belts could save 15% off the personal injury premium cost.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and therefore earn up to a 10% discount.
  • E-sign – Certain companies provide a small discount shop insurance online.
  • Homeowners Savings – Just being a homeowner can save a few bucks because maintaining a house demonstrates responsibility.
  • No Charge for an Accident – This one isn’t a discount, but some insurance companies may permit one accident before raising your premiums so long as you are claim-free for a particular time prior to the accident.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free insurance policy, you aren’t that lucky.

Large insurance companies and some of the discounts are detailed below.

  • State Farm may have discounts that include Steer Clear safe driver discount, anti-theft, passive restraint, driver’s education, good driver, safe vehicle, and student away at school.
  • Farmers Insurance may include discounts for mature driver, multi-car, electronic funds transfer, bundle discounts, business and professional, and alternative fuel.
  • Progressive has discounts for online quote discount, homeowner, multi-vehicle, multi-policy, online signing, continuous coverage, and good student.
  • GEICO offers premium reductions for multi-vehicle, military active duty, defensive driver, multi-policy, federal employee, emergency military deployment, and five-year accident-free.
  • Auto-Owners Insurance may offer discounts for teen driver, anti-theft, student away at school, group or association, paid in full, paperless, and safe driver.
  • The Hartford has savings for good student, anti-theft, vehicle fuel type, air bag, bundle, and driver training.
  • Farm Bureau includes discounts for good student, multi-policy, renewal discount, safe driver, and 55 and retired.
  • USAA policyholders can earn discounts including good student, military installation, safe driver, loyalty savings, and new vehicle.

If you need lower rates, check with all the companies which discounts you qualify for. Discounts might not be offered in your area. To choose providers that offer multiple discounts, enter your zip code here.

Insurance agents can help

When buying adequate coverage, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How do I insure my teen driver?
  • Should I buy more coverage than the required minimum liability coverage?
  • What are the financial responsibility laws in my state?
  • When would I need rental car insurance?
  • Am I covered when driving in Canada or Mexico?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete your zip code. It is quick, free and may give you better protection.

How your X4 insurance prices are determined

Lots of factors are used when you quote your car insurance policy. Some are obvious like your driving record, although some other factors are not as apparent such as your marital status or your financial responsibility. The best way to find cheaper car insurance is to take a look at the different types of things that come into play when calculating the level of your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that will entitle you to lower rates.

  • Do you really need the extra policy coverages? – There are a ton of additional coverages that you can get tricked into buying when buying car insurance. Things like personal injury protection, towing coverage, and additional equipment coverage could be just wasting money. These may sound like a good investment initially, but your money might be better spent on other coverage so remove them from your policy.
  • Experienced drivers save more – Mature drivers are shown to be more cautious, tend to file fewer claims , and usually have better credit. Inexperienced drivers are known to be careless and easily distracted behind the wheel and because of this, their car insurance rates are much higher.
  • How many miles do you drive? – The more miles you rack up on your BMW in a year the higher the price you pay to insure it. Many insurance companies calculate prices determined by how the vehicle is used. Cars not used for work or commuting get more affordable rates than cars that get driven a lot. Incorrect rating for your X4 can cost quite a bit. Double check that your policy properly reflects the correct driver usage.
  • Lower rates by increasing physical damage deductibles – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your BMW. Some coverage claims would be running into the backend of another car, damage caused by hail, and damage caused by flying debris. The deductibles you choose define how much the insured will be required to pay if the claim is covered. The larger the amount you pay before a claim is paid (deductible), the less your car insurance will be for X4 coverage.

Auto insurance 101

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your BMW X4.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, rock chips in glass, falling objects, a broken windshield and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage will pay to fix damage to your X4 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability

This protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as attorney fees, repair bills for other people’s vehicles, court costs, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like dental work, hospital visits, X-ray expenses, doctor visits and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Shop smart and save

We just covered many tips how you can compare 2017 BMW X4 insurance rates online. The key thing to remember is the more you quote insurance, the more likely it is that you will get a better rate. Consumers may even find the best rates are with a small mutual company. Regional companies often have lower car insurance rates on specific markets than their larger competitors like Progressive and GEICO.

When shopping online for insurance, you should never reduce coverage to reduce premium. In too many instances, an insured cut uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

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