2012 BMW 6 Series Insurance Rates – 7 Tips for Cheapest Quotes

Wish you could get out of overpriced insurance? You’re preaching to the choir because you are not the only one feeling buyer’s remorse. Numerous insurance companies battle for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the absolute lowest rate possible.

If you are insured now or need a new policy, you can learn to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers only need an understanding of the best way to compare rates online.

Buy insurance coverage online

Most major insurance companies such as State Farm and Allstate allow consumers to get coverage prices from their websites. Obtaining pricing is pretty painless as you just enter into the quote form. Behind the scenes, their rating system makes automated requests for your driving record and credit report and returns pricing information based on the information you submitted. Online price estimates makes comparing rates easy, but having to visit several different sites and type in the same information is not the best way to spend an afternoon. But it is imperative to do this if you want to find a better rate.

A quicker way to find better insurance coverage pricing makes use of a single form to get prices from more than one company. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much easier to do. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If the quotes result in lower rates, you can click and sign and buy the policy. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To save time and fill out one form to compare multiple rates now, click here and enter your information. To compare your current rates, we recommend you complete the form with the insurance coverages as close as possible to your current policy. This guarantees you’re receiving a fair comparison for similar coverage.

Save $391 a year? Really?

Consumers can’t escape the ads that promise big savings from the likes of State Farm and Allstate. All the companies make the point about savings if you just switch your coverage to them.

How can each company have lower policy pricing? Here is the trick they use.

Different companies have specific criteria for the type of customer that earns them the most money. One example of this type of insured may need to be between the ages of 30 and 45, has no tickets, and has excellent credit. Any driver who matches that profile is entitled to the best price and will most likely pay quite a bit less when switching companies.

Potential insureds who fall short of the “perfect” profile may receive higher premiums which usually ends up with business going elsewhere. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. That is how insurance companies can confidently lure you into getting a quote.

This emphasizes why drivers must get a wide range of price quotes. Because you cannot predict which company will be your best fit.

Car insurance policy discounts you can’t miss

Car insurance is not inexpensive, but you may be missing some discounts that can dramatically reduce your bill. Certain credits will be shown when you quote, but a few must be manually applied before you will receive the discount.

  • Multi-Vehicle Discounts – Buying a policy with multiple cars on one policy may reduce the rate for each vehicle.
  • Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Passenger Safety Discount – Vehicles equipped with air bags can receive discounts of up to 25% or more.
  • Federal Government Employee – Simply working for the federal government may reduce rates when you quote car insurance for 6 Series coverage with certain companies.
  • Use Seat Belts – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • E-sign – Some car insurance companies will give you a small discount for buying your policy on your computer.
  • Accident Free – Good drivers with no accidents pay less as compared to bad drivers.

Consumers should know that some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

A list of car insurance companies and their possible discounts are included below.

  • State Farm discounts include Steer Clear safe driver discount, multiple autos, multiple policy, good driver, Drive Safe & Save, good student, and student away at school.
  • Nationwide policyholders can earn discounts including defensive driving, business or organization, good student, multi-policy, family plan, Farm Bureau membership, and easy pay.
  • GEICO has discounts for daytime running lights, anti-lock brakes, good student, federal employee, defensive driver, five-year accident-free, and multi-policy.
  • AAA offers premium reductions for pay-in-full, multi-car, education and occupation, multi-policy, anti-theft, and good student.
  • 21st Century offers discounts for driver training, 55 and older, air bags, homeowners, and automatic seat belts.
  • The Hartford may offer discounts for defensive driver, air bag, anti-theft, good student, driver training, and vehicle fuel type.

When quoting, ask every company which credits you are entitled to. Some credits might not be offered on policies everywhere. If you would like to choose from a list of companies who offer free car insurance quotes, click this link.

Insurance agents can help

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • What is no-fault insurance?
  • Does my insurance cover a custom paint job?
  • When should I buy a commercial auto policy?
  • What is the rate difference between pleasure use and commuting?
  • Why is insurance for a teen driver so high?
  • How do I insure my teen driver?
  • Can I afford to buy a different vehicle if my 2012 BMW 6 Series is totaled?
  • Am I covered if I break a side mirror?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage breakdown

Having a good grasp of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your BMW 6 Series.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverage protection

Collision coverage pays for 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 and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, rolling your car, sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, hitting a deer, falling objects and hitting a bird. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills like funeral costs, ambulance fees and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like bail bonds, attorney fees, pain and suffering, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

In Summary

We just showed you a lot of tips how to compare 2012 BMW 6 Series insurance rates online. The key concept to understand is the more you quote car insurance, the better chance you’ll have of finding cheap car insurance. Consumers may even find the lowest rates are with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

Some insurance companies do not provide rate quotes online and most of the time these smaller companies only sell coverage through local independent agents. Lower-priced insurance is attainable from both online companies and from local agencies, so compare prices from both to get a complete price analysis.

Much more information about insurance is available on the following sites: