View 2014 BMW 6 Series Gran Coupe Car Insurance Rates

Are you overwhelmed by the crazy number of auto insurance companies? You’re not alone. There are so many companies to choose from that it can quickly become a real hassle to find the lowest price.

Smart consumers take time to compare prices quite often because prices change frequently. Even if you think you had the best deal for 6 Series Gran Coupe insurance a few years ago other companies may now be cheaper. There is a lot of wrong information about auto insurance on the web, but we’re going to give you a lot of great tips on how to save money.

How to save on BMW 6 Series Gran Coupe insurance

Car insurance is not cheap, but you may find discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be inquired about before you get the savings.

  • Good Student Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Save with a New Car – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.

It’s important to note that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will reduce your overall premium however.

A partial list of companies that may offer some of the above discounts include:

Check with each company how you can save money. Some discounts may not apply everywhere.

The best way to compare insurance rates from multiple companies is to know the trick most of the bigger providers will pay a fee to compare rate quotes. The only thing you need to do is provide a little information like if it has an alarm system, marital status, your education level, and whether or not you need a SR-22. The rating information is automatically sent to many highly-rated insurers and you will get price comparisons very quickly.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions might point out whether or not you could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Can I still get insurance after a DUI?
  • Do I need more liability coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can my babysitter drive my car?
  • How can I find cheaper teen driver insurance?
  • Can I get a multi-policy discount?
  • When should my teen driver be added to my policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage information

Having a good grasp of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, hail damage, hitting a deer, hitting a bird and falling objects. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision coverage pays for damage to your 6 Series Gran Coupe from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses like ambulance fees, dental work, doctor visits and pain medications. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverage – This will cover damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as legal defense fees, structural damage, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

One last thing about your coverage

Low-cost 2014 BMW 6 Series Gran Coupe insurance can be found from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When you buy insurance online, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

We’ve covered quite a bit of information on how to reduce insurance prices online. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the best prices are with an unexpected company.

For more information, feel free to browse the resources below: