Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 6, 2015

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Looking for the cheapest insurance rates for your BMW 6 Series? Are you burned out from sacrificing to buy insurance? You have the same problem as many other people. You have multiple car insurance companies to pick from, and although it’s a good thing to have a selection, having more auto insurance companies makes it harder to compare company pricing.

The purpose of this post is to let you in on how car insurance quotes work and some tricks to saving. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Drivers just need to understand the proper methods to find the lowest price online.

The quickest method we recommend to compare car insurance company rates is to know the trick most insurance companies will pay a fee to give free rates quotes. To get started, all you need to do is give them rating details like if you are currently licensed, whether you drive to work or school, daily mileage, and how much education you have. Your rating data gets sent immediately to multiple companies and they return quotes instantly.

Learn how to lower your insurance prices

Lots of factors are used in the calculation when you get a price on insurance. Most are fairly basic like your driving record, but others are more obscure like your vehicle usage or how financially stable you are.

  • Cheaper premiums for being claim-free – If you are a frequent claim filer, you can expect much higher rates or policy non-renewal. Insurance companies generally give better rates to drivers who file claims infrequently. Your car insurance is meant to be used in the event of more catestrophic claims.
  • Bump up comp and collision deductibles to lower rates – Protection for physical damage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Examples of some claims that would be covered are running into the backend of another car, hail damage, and having your car stolen. Deductibles for physical damage tell how much you are required to spend out-of-pocket if a covered claim is submitted. The more expense you have to pay, the lower your rates will be for 6 Series insurance.
  • Your spouse saves you money – Having a wife or husband can actually save you money on your insurance coverage bill. Having a spouse means you’re more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Small coverages can add up – There are many extra bells and whistles that can add up but may not be useful. Add-on coverages like roadside assistance, better glass coverage, and extra life insurance coverage are probably not needed. They may seem good when discussing your needs, but your needs may have changed so consider taking them off your policy.

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Take advantage of every auto insurance discount

Companies don’t necessarily list the entire discount list in a way that’s easy to find, so the following is a list of both the well known and also the more inconspicuous credits available to lower your premiums when you buy insurance coverage online.

  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle with the same company can reduce the rates for all insured vehicles.
  • Defensive Driver – Taking part in a class that teaches safe driver techniques could earn you a small percentage discount depending on where you live.
  • Discount for Life Insurance – Larger auto insurance companies have a small discount if you purchase a life policy as well.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off the personal injury premium cost.
  • Telematics Data Discounts – Drivers who elect to allow data collection to scrutinize driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
  • Safe Drivers – Drivers without accidents may save up to 50% more for 6 Series insurance as compared to drivers with claims.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Low Mileage Discounts – Driving less may enable drivers to earn substantially lower prices.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it appears it’s possible to get free car insurance, nobody gets a free ride.

A few popular companies and a summarized list of policyholder discounts are outlined below.

  • American Family offers discounts for multi-vehicle, Steer into Savings, bundled insurance, early bird, and defensive driver.
  • State Farm may include discounts for multiple autos, multiple policy, good student, Steer Clear safe driver discount, student away at school, and safe vehicle.
  • 21st Century offers premium reductions for student driver, early bird, good student, automatic seat belts, anti-lock brakes, and homeowners.
  • Travelers discounts include save driver, early quote, multi-policy, home ownership, student away at school, and hybrid/electric vehicle.
  • GEICO may have discounts that include military active duty, federal employee, good student, membership and employees, and defensive driver.

If you are trying to find affordable insurance coverage quotes, ask each company or agent which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policies in every state.

How to know if you need help

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • What is the minimum liability in my state?
  • Do I need roadside assistance coverage?
  • Who is covered by my policy?
  • Are split liability limits better than a combined single limit?
  • If I drive on a suspended license am I covered?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When should I not file a claim?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

The coverage is in the details

Having a good grasp of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Coverage for liability

Liability insurance will cover injuries or damage you cause to other people or property. 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 injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like loss of income, court costs and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for things like EMT expenses, prosthetic devices, surgery and hospital visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your BMW 6 Series.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Auto collision coverage

Collision coverage will pay to fix damage to your 6 Series from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

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Summing up your car insurance search

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed physical damage coverage and learned later they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

You just learned a lot of information how to shop for 2004 BMW 6 Series insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small local company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

Cheap 2004 BMW 6 Series insurance is available both online and from local insurance agents, so you need to shop insurance coverage with both in order to have the best price selection to choose from. Some insurance companies may not have online quoting and usually these regional carriers prefer to sell through independent insurance agencies.

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