View 2014 BMW 6 Series Insurance Rates

If you are new to getting insurance quotes online, most likely you are confused by the crazy number of insurers vying for business.

Don’t overlook these insurance coverage discounts

Not too many consumers would say insurance coverage is affordable, but you might already qualify for some discounts that many consumers don’t even know exist. Certain credits will be shown at quote time, but some must be asked about prior to getting the savings.

• Defensive Driver Discounts – Participating in a safe driver class could save 5% or more and make you a better driver.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen so companies will give you a small discount.
• Payment Discounts – If you can afford to pay the entire bill instead of paying each month you may reduce your total bill.
• Claim-Free Discount – Insureds who avoid accidents and claims have much lower rates in comparison to accident-prone drivers.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
• Passenger Safety Discount – Options like air bags and/or automatic seat belt systems could see savings of up to 25% or more.
• No Charge for an Accident – This isn’t a discount exactly, but some insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Membership in Organizations – Being in a civic or occupational organization can get you a small discount on your bill.

As is typical with insurance, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

A list of insurance coverage companies and their possible discounts can be found below.

• State Farm has discounts for accident-free, defensive driving training, passive restraint, Steer Clear safe driver discount, safe vehicle, driver’s education, and good driver.
• American Family offers premium reductions for multi-vehicle, Steer into Savings, good driver, bundled insurance, and mySafetyValet.
• AAA includes discounts for education and occupation, good student, anti-theft, multi-policy, pay-in-full, and multi-car.
• Geico offers discounts for driver training, daytime running lights, anti-lock brakes, multi-policy, multi-vehicle, federal employee, and seat belt use.
• Mercury Insurance offers discounts including type of vehicle, multi-car, good student, good driver, and anti-theft.
• Farmers Insurance has savings for teen driver, alternative fuel, youthful driver, business and professional, early shopping, and homeowner.
• Progressive policyholders can earn discounts including good student, online signing, homeowner, online quote discount, multi-vehicle, and multi-policy.

When quoting, ask all the companies to give you their best rates. Savings may not apply in your state.

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Informed drivers can cut insurance costs

An important part of buying insurance is that you know some of the factors that are used to determine the price you pay for car insurance. If you have some idea of what determines base rates, this allows you to make educated decisions that could help you find lower premium levels. Many different elements are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as your driving record, but others are not as apparent such as your marital status or how safe your car is.

Shown below are some of the most common factors used by companies to determine your prices.

• Better credit means lower costs – Having a good credit history will be a significant factor in calculating your premium rate. If your credit history can be improved, you could be paying less to insure your 2014 BMW 6 Series by improving your credit score. Drivers with very high credit ratings tend to be more responsible than drivers with worse credit.
• Expect high rates for teens – Older drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.Young drivers are known to be careless and easily distracted with other occupants in the car and because of this, their car insurance rates are much higher.
• Lower stress equals lower car insurance rates – Did you know your job can affect your rates? Jobs such as fire fightersairline pilots and accountants tend to have higher premium rates in part from intense work-related stress and lengthy work days. On the other hand, occupations like scientists, athletes and the unemployed have the lowest average rates for 6 Series coverage.
• Safer vehicles mean better premiums – Cars with five star safety ratings cost less to insure. Highly rated vehicles reduce occupant injuries and fewer serious injuries means less claims paid and thus lower rates.
• You might pay more if you are single – Being married may earn you lower rates on your car insurance policy. Having a spouse means you’re more responsible and statistics prove being married results in fewer claims.
• Do women or men drive better? – Over time, data shows that women are safer drivers than men. Now that doesn’t mean females are better at driving than males. Females and males have accidents at a similar rate, but the men cause more damage. Men also statistically get more serious tickets such as DWI and reckless driving.
• Put fewer miles on your vehicle – The higher the miles on your BMW each year the higher the price you pay to insure it. Many insurance companies apply a rate based on their usage. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your policy shows the proper vehicle usage, because it can save money. Having an incorrect usage rating on your 6 Series may be costing you higher rates.
• Liability is peace of mind – Your car insurance policy’s liability coverage will protect you in the event that you are responsible for damages caused by your negligence. Liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.

When to get professional advice

When choosing coverage, there really is not a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover whether you will benefit from professional help.

• Do I need an umbrella policy?
• What are the financial responsibility laws in my state?
• What happens if I owe more than my 2014 BMW 6 Series is worth?
• Are rock chip repairs covered?
• What vehicles should carry emergency assistance coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance 101

Knowing the specifics of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your BMW 6 Series.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a bird, damage from getting keyed, hitting a deer and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for EMT expenses, funeral costs and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability insurance – This can cover injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things like medical services, repair bills for other people’s vehicles, pain and suffering, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

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Best coverage at the best price

You just read some good ideas how you can compare 2014 BMW 6 Series insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. Consumers could even find that the most savings is with an unexpected company.

As you quote insurance, make sure you don’t buy poor coverage just to save money. There have been many situations where someone dropped liability coverage limits only to regret they didn’t purchase enough coverage. Your objective should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

Consumers switch companies for a number of reasons such as high rates after DUI convictions, delays in paying claims, poor customer service or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new insurance coverage company is pretty easy and you might even save some money in the process.

More information

• Should I Buy a New or Used Car? (Allstate)
• Rental Reimbursement Coverage (Allstate)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)

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