Compare 2013 BMW 6 Series Insurance Rates

No car owner fancies paying their premiums for insurance coverage, especially when they know they could get a better deal.

Big companies like State Farm, Progressive and GEICO increase brand awareness with fancy advertisements and it is challenging if not impossible to ignore the propoganda and find the best price available.

Consumers should take time to price shop coverage at least once a year due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the lowest rate for 6 Series insurance two years ago you can probably find a better premium rate now. You can find a lot of information about insurance coverage online but we’re going to give you some solid techniques on how to reduce your insurance coverage bill.

Cheapest auto insurance price quotes

There are multiple methods to shop for auto insurance, but some are less time-consuming than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize the internet to get rates in a matter of minutes.

Many of the larger companies belong to an insurance system where prospective buyers only type in their quote data once, and at least one company returns a rated price based on that data. This prevents consumers from doing repetitive form submissions for each company. To submit your quote information now, click here (opens in new window).

The one disadvantage to comparing rates this way is you can’t choose which companies to get pricing from. So if you want to choose individual companies for rate comparison, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

Whichever way you use, be certain you are entering the same information for each comparison quote. If you are comparing differing limits it’s impossible to determine the lowest rate for your BMW 6 Series. Slightly different coverage limits may result in a large different in cost. Just remember that comparing more rates from different companies increases your odds of finding the best price. Some companies don’t provide price estimates online, so it’s important to also get price quotes from them as well.

Find hidden discounts to get affordable auto insurance rates

Companies don’t list every policy discount very clearly, so here is a list both the well known as well as some of the hidden credits available to you. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

  • Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction for 6 Series insurance with some auto insurance companies.
  • Senior Discount – Mature drivers can get a discount up to 10% for 6 Series insurance.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Multiple Vehicles – Buying insurance for several vehicles on the same auto insurance policy could earn a price break for each car.
  • Discount for Home Ownership – Owning your own home or condo can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
  • Responsible Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for 6 Series insurance than their less cautious counterparts.
  • College Student – who attend college more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
  • Renewal Discounts – A few auto insurance companies offer discounts for switching companies early. It’s a savings of about 10%.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.

If you would like to see a list of insurance companies with discount rates, click this link.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when driving on a suspended license?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when driving someone else’s vehicle?
  • Is my 2013 BMW 6 Series covered for smoke damage?
  • Do I need PIP coverage since I have good health insurance?
  • Why do I need rental car insurance?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Car insurance coverages for a BMW 6 Series

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Collision insurance

This coverage will pay to fix damage to your 6 Series caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, rolling your car and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like pain medications, doctor visits and dental work. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, repair costs for stationary objects, structural damage, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, damage from a tornado or hurricane, fire damage and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

You can do this!

When trying to cut insurance costs, you should never buy poor coverage just to save money. Too many times, an insured dropped liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

Cheap 2013 BMW 6 Series insurance can be purchased both online and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not have rate quotes online and these smaller providers provide coverage only through independent agents.

You just read a lot of techniques to save on 2013 BMW 6 Series insurance. The key concept to understand is the more you quote insurance, the higher your chance of finding low cost insurance. You may even discover the lowest priced auto insurance comes from a small local company. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

Even more information can be read by following these links: