How Much Does 2013 BMW 6 Series Insurance Cost?

Buyers have a choice when searching for the best price on BMW 6 Series insurance. You can either waste hours driving around to get rate comparisons or use the internet to get rate quotes. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the absolute fastest way to get price quotes for a BMW and find the cheapest rates.

Which Auto Insurance is Cheapest?

Finding a lower price on 2013 BMW 6 Series insurance is a fairly straight forward process. Drivers just need to spend a few minutes on the computer to get quotes online from several insurance companies. This can be accomplished using a couple different methods.

The fastest way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing a different quote for each company. A single form compares rates instantly. Recommended for those who want to invest the least amount of time.

A different way to find lower rates requires visiting the website of each company to complete their respective quote request forms. For example, we’ll assume you want to compare rates from Liberty Mutual, Farmers and State Farm. To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker.

To view a list of companies in your area, click here.

The least recommended way to get comparison rates is to drive around to insurance agents’ offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance that only a license agent can provide. However, consumers can compare online quotes but still have the advice of a local agent and you’ll learn how to do that later.

Whichever way you use, double check that you are using the exact same coverage limits on every quote. If you compare mixed coverages it’s impossible to make a fair comparison for your BMW 6 Series.

Save with discounts on 2013 BMW 6 Series insurance

Companies offering auto insurance do not list all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden ways to save on auto insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10% on 6 Series coverage.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Life Insurance – Larger companies have better rates if you take out life insurance.
  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy on their website.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Low Mileage – Fewer annual miles on your BMW can qualify you for lower rates on the low mileage vehicles.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Driver Safety – Taking part in a driver safety course could save 5% or more depending on where you live.

Keep in mind that many deductions do not apply the the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

Car insurance companies who might offer these money-saving discounts include:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not be available everywhere.

Tailor your coverage to you

When buying coverage for your vehicles, there is no perfect coverage plan. Every situation is different.

These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • Is pleasure use cheaper than using my 2013 BMW 6 Series to commute?
  • What can I do if my company denied a claim?
  • Is a fancy paint job covered?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I drive in a foreign country?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like chiropractic care, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage 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 protects against things like rock chips in glass, hitting a deer and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This will pay to fix damage to your 6 Series resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Auto liability

This protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as attorney fees, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.