2016 BMW ActiveHybrid 5 Insurance Quotes
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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
UPDATED: Aug 5, 2018
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 5, 2018
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Comparison shopping for cheaper Driverscar insurance can be quite difficult for drivers who have little experience online insurance quotes. With so many insurance agents and insurers to choose from, it can be a challenge to find a more affordable company.
Consumers should take time to get comparison quotes yearly because rates trend upward over time. Just because you had the best premium rates on ActiveHybrid 5 coverage two years ago a different company probably has better prices today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the best methods to save money, get proper deductibles and limits, all at the lowest rate.
Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you should be able to save some money using these techniques. Although consumers should learn the way companies determine prices and use this information to your advantage.
Verify you’re getting every discount
Auto insurance is not an enjoyable expense, but you may qualify for discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of quoting, but some need to be asked about prior to getting the savings. If you do not check that you are getting every discount you qualify for, you are just wasting money.
- One Accident Forgiven – This one is not really a discount per se, but some companies like Allstate and Progressive may permit one accident without the usual rate increase if your claims history is clear prior to being involved in the accident.
- Passive Restraint Discount – Factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.
- 55 and Retired – Drivers that qualify as senior citizens may be able to get reduced rates on ActiveHybrid 5 coverage.
- Telematics Data Discounts – People who choose to allow their insurance company to scrutinize driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they show good driving skills.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
- Discount for Low Mileage – Fewer annual miles on your BMW could be rewarded with discounted rates on garaged vehicles.
- Multiple Policy Discount – If you can bundle your auto and home insurance with one insurance company you will save up to 20% off your total premium.
- No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on insurance quote in comparison to policyholders that have many claims.
- Defensive Driving Course – Passing a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
- Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you could save up to 5%.
Drivers should understand that most discount credits are not given to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. But all discounts should help lower the amount you have to pay.
If you would like to see a list of insurance companies that offer discounts, follow this link.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Cheapest auto insurance rate quotes
To find the best auto insurance quotes, there are several ways of comparing rate quotes from many different insurance companies. The fastest way to find the cheapest 2016 BMW ActiveHybrid 5 insurance rates is to jump online and get quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- If you are pressed for time, the simplest way to get quotes is to use a rate comparison form (click to open form in new window). This style of form saves time by eliminating repetitive form submissions for every company. Just one form gets rate comparisons instantly. This is by far the quickest method.
- A harder way to compare prices requires visiting each company’s website to complete their respective quote request forms. For instance, we’ll pretend you are doing a rate comparison from Nationwide, Farmers and Geico. You would have to spend time on each company’s site and enter your policy data, which is why first method is reommended.
For a list of companies in your area, click here.
- The least efficient and most time consuming method to comparison shop rate quotes is to spend your day driving to local insurance agencies. Comparing rate quotes online eliminates the middleman unless you require the professional guidance that only an agent can give. If you prefer, some companies allow you to price shop online but have your policy serviced through an agent.
You can use whichever method you prefer to find lower rates, just do your best to enter exactly the same coverage limits and deductibles for every company. If the quotes have higher or lower deductibles it will be very difficult to make an equal comparison. Just a small difference in insurance coverages or limits could throw off the whole comparison. And when comparison shopping, having more price comparisons helps locate a lower rate than you’re paying now.
How to lower your insurance prices
It’s important that you understand the rating factors that play a part in calculating the rates you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in lower premium levels.
The following are some of the items companies use to determine prices.
- How much liability insurance do you need? – The liability coverage on your policy provides coverage if ever you are found liable for personal injury or accident damage. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
- Are you male or female? – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that males are worse at driving than females. Females and males cause auto accidents at a similar rate, but the male of the species have accidents that have higher claims. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.
- Deter vehicle theft – Selecting a car model with an alarm system can help bring down rates. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
- How credit rating affects car insurance premiums – Your credit score is a large factor in determining your rates. If your credit rating can be improved, you could save money insuring your 2016 BMW ActiveHybrid 5 by improving your rating. Insureds with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
When should I discuss my situation with an agent?
When it comes to buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.
For example, these questions can help discover if you will benefit from professional help.
- Does coverage extend to my business vehicle?
- Does my car insurance cover rental cars?
- Does medical payments coverage apply to all occupants?
- Is my camper covered by my car insurance policy?
- When should I remove comp and collision on my 2016 BMW ActiveHybrid 5?
- How much liability insurance is required?
- Am I missing any policy discounts?
- Is my ex-spouse still covered by my policy?
- How do I file an SR-22 for a DUI in my state?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Insurance coverage options for a BMW ActiveHybrid 5
Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
Comprehensive auto coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, falling objects, fire damage, damage from a tornado or hurricane and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for liability – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for claims such as medical expenses, bail bonds and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for EMT expenses, funeral costs and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Collision – This coverage pays for damage to your ActiveHybrid 5 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as crashing into a building, crashing into a ditch, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
In Summary
When getting insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where someone dropped full coverage only to regret at claim time that the savings was not a smart move. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.
Discount 2016 BMW ActiveHybrid 5 insurance can be bought on the web as well as from insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance coverage companies do not offer online rate quotes and most of the time these small insurance companies prefer to sell through local independent agencies.
Insureds who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, extreme rates for teen drivers or even delays in paying claims. It doesn’t matter what your reason, finding the right insurance coverage provider can be easy and end up saving you some money.
For more information, feel free to visit the resources below:
- Parking Tips to Reduce Door Dings (State Farm)
- Teen Driving Statistics (iihs.org)
- What is Covered by GAP Insurance? (Allstate)
- Auto Insurance Learning Center (State Farm)
- Avoiding Deer Collisions (Insurance Information Insitute)
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.