2018 BMW 6 Series Car Insurance Quotes – 9 Policy Discounts

No one in their right mind looks forward to paying premiums for insurance, especially when they know they could find better rates elsewhere. With so many choices of insurance companies, it can be challenging to pick the best insurance company.

Consumers need to do price comparisons before your policy renews because prices change quite often. Even if you think you had the lowest rates on 6 Series insurance a couple years back you can probably find a better rate quote now. Ignore everything you know about insurance because you’re going to get a crash course in the quickest way to find lower rates on insurance.

Finding affordable coverage is not that difficult. If you currently have car insurance, you will be able to save some money using this strategy. Drivers just need to know the tricks to get comparison rates over the internet.

How to compare car insurance quotes

There are multiple methods you can shop for car insurance but there is one way that is less time-consuming than others. You could waste a few hours discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies take part in a program that allows shoppers to send in one quote, and every company provides a quote based on that data. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only downside to getting quotes like this is you are unable to specify which providers to receive prices from. So if you prefer to choose from a list of companies to compare prices, we have a page of car insurance companies in your area. Click here to view list.

Whichever way you use, be sure you’re using the exact same coverage limits with every price quote. If you use different liability limits it will be nearly impossible to determine which company has the best rates.

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Don’t be fooled by advertising claims

Drivers constantly see and hear ads for the lowest price car insurance from companies such as Progressive, Geico, Allstate and State Farm. They all seem to make the point that you can save if you get a free insurance coverage quote and switch your car insurance policy to them.

How does every company charge lower premium rates? Just pay attention to how they say it.

Different companies quote their best rates for the type of driver they prefer to insure. A good example of a driver they prefer could possibly be between the ages of 30 and 50, has a low-risk occupation, and has a short commute. A propective insured who matches that profile will most likely get cheap premium rates and will save a lot if they switch.

Potential customers who are not a match for the ideal profile will get higher premium rates and the prospect going elsewhere. The ads say “customers who switch” but not “all drivers who get quotes” save the amount stated. That’s the way companies can advertise the savings. This illustrates why drivers should compare free insurance coverage quotes often. It’s impossible to know the company that will fit your personal profile best.

More affordable rates by taking advantage of these nine discounts

Car insurance is not cheap nor is it fun to buy but there are discounts available that could help you make your next renewal payment. Many discounts should be triggered at the time of quoting, but once in a while a discount must be requested specifically prior to receiving the credit. If you don’t get every credit available, you may be paying too high a price.

• Professional Memberships – Belonging to a qualifying organization is a good way to get lower rates on car insurance.
• Resident Student – Youth drivers who attend college more than 100 miles from home without a vehicle on campus may be able to be covered for less.
• Policy Bundle Discount – When you have multiple policies with one company you could get a discount of approximately 10% to 15%.
• Responsible Driver Discount – Drivers who don’t get into accidents could pay up to 40% less on 6 Series insurance than less cautious drivers.
• Military Deployment Discount – Being on active deployment in the military could be rewarded with lower rates.
• New Vehicle Savings – Buying a new car model can get you a discount because newer vehicles have to meet stringent safety requirements.
• ABS Brakes – Cars and trucks with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
• Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save a little on medical payment and PIP coverage.
• Driving Data Discount – Insureds that choose to allow companies to study their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they have good driving habits.

Keep in mind that some credits don’t apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A list of companies and the discounts they provide are shown below.

• Progressive policyholders can earn discounts including online quote discount, online signing, multi-vehicle, multi-policy, homeowner, good student, and continuous coverage.
• Farmers Insurance has savings for distant student, multi-car, good student, switch companies, and business and professional.
• Farm Bureau offers premium reductions for driver training, renewal discount, multi-policy, youthful driver, good student, and 55 and retired.
• State Farm offers discounts for accident-free, good driver, anti-theft, passive restraint, driver’s education, and student away at school.
• Geico has discounts for good student, membership and employees, emergency military deployment, multi-policy, driver training, seat belt use, and federal employee.
• SAFECO offers discounts including accident prevention training, teen safe driver, multi-car, anti-theft, anti-lock brakes, and bundle discounts.
• Liberty Mutual may have discounts that include multi-car, newly retired, exclusive group savings, new vehicle discount, hybrid vehicle, teen driver discount, and new move discount.

If you need lower rates, check with each company or agent which discounts they offer. Depending on the company, some discounts might not apply in your area. For a list of providers with the best discounts, click here to view.

How much car insurance do I need?

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out whether or not you will benefit from professional help.

• Do I need motorclub coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Is my trailer covered?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered if I drive in a foreign country?
• How much can I save by bundling my policies?
• Where can I get insurance after a DUI in my state?
• Is rental equipment covered for theft or damage?
• How high should my uninsured/underinsured coverage be in my state?
• Is my BMW 6 Series covered if I use it for business?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

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Insurance coverages 101

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your BMW 6 Series.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, damage from a tornado or hurricane and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages – Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy 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 property damage coverage for $25,000.

Liability insurance covers things such as legal defense fees, emergency aid and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision – Collision coverage covers damage to your 6 Series resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, hitting a mailbox, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as chiropractic care, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Buy Smart and Save

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

In this article, we presented a lot of information how to save on 2018 BMW 6 Series insurance. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest car insurance rates are with some of the smallest insurance companies. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

Budget-conscious 2018 BMW 6 Series insurance is possible online and from local agencies, so you need to quote insurance coverage with both to have the best selection. Some companies may not offer the ability to get a quote online and these smaller companies only sell through local independent agencies.

To read more, feel free to browse the articles below:

• Property Damage Coverage (Liberty Mutual)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)

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