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BMW 1 Series M Insurance Rates

Drivers have lots of options when shopping for insurance coverage for your BMW vehicle. You can buy direct from an insurance agent or price shop online to compare rates from multiple insurance companies. Finding cheaper car insurance on the web is simple to do, plus you may find lower rates.

Finding the best direct price on car insurance can be difficult if you have never used quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes from local car insurance companies. The best method to compare 1 Series M insurance cost is to perform an online rate comparison. This can be done by comparing rates here.

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Insurance premiums on a BMW 1 Series M can be significantly different subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Whether you are married
  • Add-on coverages such as rental reimbursement
  • Your job
  • Your coverage level
  • Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new BMW models so the cost to replace them can decrease annual premiums. On the flip side, more recent BMW vehicles have more advanced features like dual-stage airbags, a telematics system, and pedestrian detection that may help lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your 1 Series M from the list below.

Liability car insurance - 1 Series M liability coverage will cover damage or injury you incur to people or other property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverage - This will pay to fix damage to your BMW resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1 Series M can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper 1 Series M insurance rates.

Comprehensive car insurance - This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are BMW 1 Series M Insurance Rates?