Compare 2014 BMW 6 Series Insurance Cost

Searching for lower insurance coverage rates for your BMW 6 Series? Feel like you’re a prisoner to overpriced insurance coverage? Trust us when we tell you you’re not alone.

Insurance companies such as GEICO, Progressive and Allstate all claim big savings, bombarding you with ads and it is difficult to sift through the bull and do the work needed to find the best deal.

Consumers need to compare rates periodically since rates change frequently. Just because you found the best deal on 6 Series insurance a year ago you may be paying too much now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

Don’t pay full price with these discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be asked for before you will receive the discount.

  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • 55 and Retired – Older drivers can possibly qualify for better auto insurance rates on 6 Series insurance.
  • Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Clubs and Organizations – Belonging to certain professional organizations may earn a discount when shopping for auto insurance on 6 Series insurance.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Low Mileage Discounts – Driving fewer miles can earn a substantially lower rate.
  • E-sign – Some insurance companies will give a small break for buying your policy digitally online.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free auto insurance policy, you’re out of luck. But all discounts will bring down your overall premium however.

Insurance companies that possibly offer these discounts include:

Check with all companies you are considering how you can save money. All car insurance discounts may not apply in your state.

Free Quotes for Car Insurance

Performing a rate comparison can be a daunting task if you don’t know the most efficient way. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Most of the larger companies belong to an insurance system where prospective buyers enter their policy data once, and at least one company then returns a price quote for coverage. This system prevents you from having to do form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to pricing coverage this way is you are unable to specify which carriers to get pricing from. If you prefer to choose from a list of companies to compare rates, we have assembled a list of low cost car insurance companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use exactly the same deductibles and coverage limits with each company. If you are comparing unequal deductibles or liability limits you can’t possibly decipher which rate is best. Just a small difference in insurance coverages could mean much higher rates. And when price shopping your coverage, quoting more will improve the odds of getting lower pricing.

Your personal situation dictates your coverage

When buying the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different and your policy should reflect that. For instance, these questions might help in determining if you could use an agent’s help.

  • Are split liability limits better than a combined single limit?
  • What is covered by UM/UIM coverage?
  • Does my car insurance cover rental cars?
  • Will I lose any money if I cancel my policy before it expires?
  • How much underlying liability do I need for an umbrella policy?
  • Is upholstery damage covered by car insurance?
  • How much liability coverage do I need in my state?
  • Is a blown tire covered by insurance?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Specific coverage details

Having a good grasp of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types available from auto insurance companies.

Liability auto insurance – Liability coverage can cover damage or injury you incur to other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like attorney fees, emergency aid, pain and suffering and loss of income. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive protection – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, a broken windshield, damage from flooding, fire damage and hitting a bird. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your BMW 6 Series.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like prosthetic devices, chiropractic care, funeral costs and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverages – This will pay to fix damage to your 6 Series from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, colliding with another moving vehicle, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Final thoughts

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at an affordable rate.

Lower-priced 2014 BMW 6 Series insurance can be bought online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and these smaller companies work with independent agents.

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