View 2015 BMW 4 Series Insurance Cost

Looking for the cheapest insurance rates for your BMW 4 Series? Sick and tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other consumers.

With so many options, it can be diffult for consumers to choose the best provider.

It’s a good habit to compare rates quite often because prices trend upward over time. Even if you got the best price for 4 Series insurance a few years ago a different company probably has better rates today. Ignore everything you know about insurance because we’re going to demonstrate the best methods to eliminate unnecessary coverages and save money.

Where Can I Get Cheap Auto Insurance?

There are several ways to compare quotes and find the best price. The best method to find the cheapest 2015 BMW 4 Series insurance rates consists of shopping online. This can be done using a couple different methods.

One of the best ways to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for repetitive form entry for every auto insurance company. Taking the time to complete one form will get you rate comparisons from several companies.

A more difficult way to analyze rates requires visiting each individual company website to request a price quote. For examples sake, we’ll assume you want to compare rates from State Farm, Safeco and Geico. You would have to visit each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s up to you which method you use, but compare apples-to-apples coverage limits and deductibles for each comparison quote. If you have different values for each quote you can’t possibly determine the best price for your BMW 4 Series. Slightly different limits can mean a large discrepancy in price. It’s important to know that more quotes will increase your chances of finding the best rates.

Don’t miss these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that can drop the cost substantially. Most are applied when you quote, but some must be requested specifically before you will receive the discount.

  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates on your policy for 4 Series insurance.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Safety Course Discount – Taking part in a driver safety course could cut 5% off your bill if your company offers it.

Drivers should understand that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will bring down the amount you have to pay.

Insurance companies that may offer some of the above discounts are:

Before buying, ask all companies you are considering what discounts are available to you. Savings may not apply in your area.

When might I need help?

When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your situation might need an agent’s assistance.

  • Do I need more liability coverage?
  • Can I drive in Mexico and have coverage?
  • Does my car insurance cover rental cars?
  • Am I better off with higher deductibles on my 2015 BMW 4 Series?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is no-fault insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Car insurance coverages for a BMW 4 Series

Understanding the coverages of insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like EMT expenses, doctor visits, hospital visits and pain medications. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – This pays for damage to your 4 Series from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability – This can cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair costs for stationary objects, repair bills for other people’s vehicles, medical expenses and court costs. How much coverage you buy is your choice, but consider buying higher limits if possible.

Uninsured or underinsured coverage – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your BMW 4 Series.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive protection – This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Be a penny pincher

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice collision coverage only to find out they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We just covered many ideas to reduce 2015 BMW 4 Series insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with the smaller companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

Lower-priced insurance is possible online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

More detailed insurance information can be found by following these links: