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BMW 1 Series Insurance Rates

Comparing car insurance through online rate quotes is simple to do, plus you may find lower rates. The critical component is to compare rates from all companies so you can compare every option.

Using the web to shop for car insurance direct can be difficult if you have never used online rate quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to compare quotes and find the best price. The quickest method to find the lowest 1 Series insurance quotes involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by these factors

Insurance premiums on a BMW 1 Series will vary greatly subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Your credit history
  • Your location impacts rates
  • The number of annual miles
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Crash test rating for your 1 Series
  • Your job
  • Insurance coverage level
  • Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new BMW models so the cost to replace them can decrease annual premiums. Although newer models have more advanced features included like lane departure warning system, a telematics system, and adaptive headlights so those may provide discounts that lower premiums.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability

1 Series liability coverage protects you from damage or injury you incur to people or other property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage

This coverage pays for damage to your BMW resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1 Series can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper 1 Series insurance rates.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.

How Much are BMW 1 Series Insurance Rates?