Nobody that owns a car looks forward to paying for auto insurance, especially knowing they are paying too much. Having so many different company options, it’s difficult to choose a lower cost auto insurance provider.
It’s a great practice to get comparison quotes once or twice a year because auto insurance prices are variable and change quite frequently. Just because you had the lowest rates on Alpina insurance last year the chances are good that you can find a lower premium rate today. You’ll find a ton of advice on auto insurance out there, but by reading this article, you’re going to learn some of the best techniques to save money.
Comparing car insurance rates can take hours if you don’t understand the most efficient way to do it. You could waste a few hours talking about coverages with local insurance agents in your area, or you could use online quoting to achieve your goal.
Many insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests to each individual car insurance company.
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The only drawback to pricing coverage this way is buyers cannot specifically choose the companies you want to price. So if you want to choose individual companies to compare prices, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.
Compare rates however you want, just be sure to compare apples-to-apples quote information on every price quote you get. If you are comparing differing limits it’s not possible to determine which company has the best rates.
Consumers can’t get away from all the ads for cheaper insurance coverage from the likes of Allstate and Progressive. They all seem to convey the message that drivers can save some big amount if you get a free auto insurance quote and switch your coverage.
How does every company lower your premium rates? Just pay attention to how they say it.
All the different companies provide the lowest rates for the type of driver that makes them money. For example, a driver they prefer could possibly be over age 30, owns their home, and drives less than 10,000 miles a year. Anyone that hits that “sweet spot” receive the lowest rate quotes and have a good chance to save if they switch.
Potential customers who cannot meet those criteria may receive a higher premium which translates to the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently make the claims of big savings.
Each company has different criteria, so you really should do a rate comparison at every renewal. Because you cannot predict which insurance companies will have the best premium rates at this point in time.
Some insurance providers don’t necessarily list every disount available in an easy-to-find place, so the next list breaks down a few of the more common as well as some of the hidden credits available to you. If you do not double check each discount you qualify for, you are throwing money away.
A little disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous.
A list of car insurance companies and a selection of discounts are included below.
If you want the cheapest auto insurance quotes, ask every insurance company which discounts you may be entitled to. Some discounts listed above may not be offered in your area.
When buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can help discover whether you would benefit from professional advice.
If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Understanding the coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from getting keyed, rock chips in glass, hitting a bird, hitting a deer and a broken windshield. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as dental work, ambulance fees and nursing services. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
This pays for damage to your Alpina resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things such as hitting a parking meter, hitting a mailbox, rolling your car, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.
This protects you from damage or injury you incur to other people or property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability can pay for things like legal defense fees, funeral expenses and court costs. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.
This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your BMW Alpina.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Lower-priced 2003 BMW Alpina insurance is possible from both online companies in addition to local insurance agencies, so get free auto insurance quotes from both of them to have the best selection. Some insurance coverage companies do not offer online quoting and many times these small insurance companies sell through independent agents.
In this article, we covered a lot of techniques to reduce 2003 BMW Alpina insurance premium rates online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding inexpensive auto insurance. You may be surprised to find that the biggest savings come from the smaller companies. These companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.
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