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BMW X1 Insurance Rates

You have lots of choices when shopping for insurance coverage for your BMW vehicle. You can buy from an agent or price shop online to check prices from car insurance companies. Comparing auto insurance from online rate quotes is simple to do and at the same time you can save money.

Using the web to shop for auto insurance direct is challenging if you have never used online quotes. But don't be discouraged because it's actually quite easy. Getting better BMW X1 insurance cost doesn't have to be difficult. Just take time getting comparison quotes online with multiple companies. This can be done by completing this short form.

What influences your insurance rates?

Car insurance premiums on a BMW X1 can vary widely subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • Your claim history
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

An additional factor that can impact BMW X1 insurance rates is the year of the vehicle. New vehicles have a higher value than older models so the payout to repair can inflate annual premiums. But newer models may have safety features including a collision avoidance system, forward-collision avoidance, and active head restraints which can give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your X1 from available model years below.

Liability insurance - BMW X1 liability coverage protects you from damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage - This coverage pays for damage to your BMW resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your BMW X1 can be pricey, so consider removing coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive protection - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage - Med pay and PIP coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are BMW X1 Insurance Rates?