BMW 4 Series Insurance Rates

Drivers have lots of options when attempting to insure your BMW vehicle. You can get prices from an agent or shop online to compare insurance costs of multiple insurance companies. Finding cheaper auto insurance on the web is easy, plus you can save money.

Consumers who are new to the process of buying insurance may think finding cut-rate 4 Series insurance is not very easy. Getting cheaper insurance rates isn't really that difficult. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by these factors

Car insurance premiums for your BMW 4 Series can fluctuate considerably based upon several criteria. Including but not limited to:

The performance level of your 4 Series
Accidents raise premiums
Home/auto policy bundles save money
Pleasure, commuting or business use can affect rates
Your age
Being married may save money
Add-on coverages such as rental reimbursement
Your claim history
Having continuous coverage saves you money
Home ownership saves money

An additional factor which can affect 4 Series insurance rates is the year of the vehicle. Models that are new have a higher actual cash value than older models so repair costs are higher which may result in higher rates. Although newer models may have safety features included like automatic crash notification, anti-lock brakes, and a backup camera which may help offset higher rates.

To get a better understanding how much rates will be for your vehicle, select the year of your 4 Series from the list below.

Liability car insurance

Liability insurance protects you from damage or injury you incur to other's property or people that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Auto collision coverage

This pays for damage to your BMW resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper 4 Series insurance rates.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. PIP is not available in all states and may carry a deductible.

How Much are BMW 4 Series Insurance Rates?