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BMW 6 Series Insurance Rates

There are many options when trying to insure your BMW vehicle. You can either buy through your neighborhood insurance agent or get quotes online to compare insurance costs of companies. Buying auto insurance by quoting online saves time, is easy to do and there is a good chance you will probably save money.

Shopping online for auto insurance can be a challenge if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. Finding a lower price on 6 Series insurance is a fairly straight forward process. You just have to take a little time comparing rates online from several insurance companies. This can be accomplished by getting a quick quote here.

Insurance rates for a BMW 6 Series can vary widely and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Any accidents you may have
  • Multiple policies can save money
  • Use of your vehicle
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Whether you own your home

One last important factor that helps determine the rate you pay on your BMW is the year of manufacture. Models that are new cost more so the costs to repair can inflate annual premiums. Although more recent BMW vehicles may have options included like traction control, active head restraints, a backup camera, and an advanced theft deterrent system which can help offset higher rates.

To get a better understanding how much rates will be for your vehicle, select the year of your 6 Series below.

Liability coverages

This will cover damage that occurs to other people or property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your BMW caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 6 Series collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper 6 Series insurance rates.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states and may carry a deductible.

How Much are BMW 6 Series Insurance Rates?