2003 BMW Alpina Car Insurance Quotes – 7 Tricks for Cheaper Rates

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.

Buy car insurance online

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.

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Beware of misleading insurance coverage ads

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.

Take these seven policy discounts and save

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.

• Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school.
• Braking Control Discount – Cars with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
• Telematics Discount – Policyholders that allow data collection to look at when and where they use their vehicle by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they show good driving skills.
• Early Switch Discount – A few insurance companies offer discounts for signing up before your current policy expires. You could save around 10% when you buy auto insurance online.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Military Discounts – Being deployed in the military could trigger a small discount.
• Home Ownership Discount – Just being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.

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.

• Progressive discounts include homeowner, online quote discount, multi-vehicle, good student, multi-policy, and online signing.
• MetLife offers premium reductions for claim-free, multi-policy, good driver, accident-free, and good student.
• Mercury Insurance may include discounts for multi-car, type of vehicle, annual mileage, ease of repair, and location of vehicle.
• Nationwide policyholders can earn discounts including Farm Bureau membership, family plan, easy pay, multi-policy, and good student.
• GEICO has discounts for daytime running lights, federal employee, seat belt use, anti-lock brakes, membership and employees, multi-vehicle, and military active duty.
• AAA may have discounts that include anti-theft, AAA membership discount, good driver, multi-policy, multi-car, and good student.

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.

Which policy gives me the best coverage?

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.

• Is my nanny covered when driving my vehicle?
• Do I need higher collision deductibles?
• I don’t drive much so do I pay less?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What is UM/UIM insurance?
• What is the difference between comprehensive and collision coverage?
• Am I covered if I wreck a rental car?
• How high should my medical payments coverage be?
• Which is better, split liability limits or combined limits?
• Why is insurance for a teen driver so high?

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.

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Specific coverages for a BMW Alpina

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 coverage (or Other than Collision)

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.

Insurance for medical payments

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

Auto collision 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.

Liability coverages

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.

Uninsured Motorist or Underinsured Motorist insurance

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.

Buy Smart and Save

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.

To learn more, take a look at these articles:

• State Car Insurance Guides (GEICO)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Should I Buy a New or Used Car? (Allstate)
• Auto Theft Statistics (Insurance Information Insitute)