2017 BMW 4 Series Insurance Rates – 5 Discounts for Best Quotes

Want lower insurance coverage rates for your BMW 4 Series? When searching for lower-cost insurance, are you baffled by the number of insurance coverage choices in your area? Many other people are as well. Drivers have so many choices available that it can be more work than you anticipated to find the lowest price.

You should make it a habit to shop coverage around once or twice a year because insurance prices are rarely the same from one policy term to another. Just because you had the best price for 4 Series insurance at your last renewal you can probably find a better rate quote now. Don’t believe everything you read about insurance coverage out there, but we’re going to give you some of the best ways to put money back in your pocket.

How to buy insurance online

The majority of larger companies allow consumers to get coverage price quotes online. The process is quite simple as you simply enter into the form. After you submit the form the quote system makes automated requests for reports for credit and driving violations and generates a price based on the data you entered.

Online quotes makes it easy to compare insurance prices but the time required to go to many different websites and type in your information can get tiresome after awhile. Unfortunately, it is important to perform this step in order to find lower prices.

There is a better way!

An easier way to get multiple rate quotes uses one simple form to get prices from several different companies. This type of form saves time, reduces the work, and makes comparison shopping a lot less work. After sending the form, it is rated and you are able to buy any or none of the quotes returned. If a lower price is quoted, you simply finish the application and buy the new coverage. The entire process can be completed in less than 10 minutes and can result in significant savings.

In order to compare pricing, click here to open in new window and enter your information. To compare your current rates, we recommend you copy the insurance coverages exactly as shown on your declarations page. This guarantees you will be getting an apples-to-apples comparison based on similar coverages.

Insurance agents can help

When buying the best car insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your situation could use an agent’s help.

  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if my car is in a flood?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need rental car coverage?
  • Is my state a no-fault state?
  • Does having multiple vehicles earn me a discount?
  • Does coverage extend to a rental car in a foreign country?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Parts of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your BMW 4 Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, theft and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance – Med pay and PIP coverage reimburse you for bills such as nursing services, EMT expenses, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability insurance – This coverage can cover damage that occurs to other people or property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things such as pain and suffering, medical services, emergency aid, structural damage and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.