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BMW 1 Series M Insurance Quotes

Drivers have lots of options when looking for the best insurance on your BMW vehicle. You can either contact your neighborhood insurance agent or price shop online to check prices from multiple insurance companies. Comparing car insurance on the web is simple to do, plus you will probably save money.

Using the web to shop for car insurance direct can be difficult if you have never used online rate quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. The best way to find competitive 1 Series M insurance cost involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by these things

Insurance rates for your BMW 1 Series M will vary greatly subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Mature drivers pay less
  • Having a spouse can save money
  • Add-on coverages such as rental reimbursement
  • Your profession
  • The level of coverage
  • Home ownership saves money

One last important factor that can impact the rate you pay on your BMW is the year of manufacture. Used vehicles have a lower value so the payout to repair can decrease annual premiums. Conversely, new BMW models may have options such as a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system so those may give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your 1 Series M from the list below.

Liability car insurance

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

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding 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 makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are BMW 1 Series M Insurance Rates?