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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Trying to find better insurance coverage rates for your BMW 6 Series? Searching for better insurance prices for your BMW 6 Series can turn out to be a lot of work, but you can use these tips and make it easy.

There is a better way to find insurance coverage online so we’re going to tell you the proper way to get price quotes for a BMW and find the lowest possible price from local insurance agents and online providers.

Drivers can save with these ten discounts

Some insurers do not list the entire discount list in an easy-to-find place, so here is a list both well-publicized in addition to some of the lesser obvious credits that may apply to you. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Savings for New Vehicles – Adding a new car to your policy is cheaper since new vehicles have better safety ratings.
  • Senior Citizens – If you’re over the age of 55, you may be able to get reduced rates for 6 Series insurance.
  • Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
  • Memberships – Being in specific professional or occupational memberships or organizations could trigger savings on your next auto insurance statement.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may earn as much as 10 to 15 percent.
  • Good Student – Being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Air Bags and Passive Restraints – Options like air bags may get savings of 20% or more.
  • Own a Home – Just owning your own home may trigger a policy discount on auto insurance because it means you have a higher level of financial diligence.
  • Theft Deterent – Cars with anti-theft systems help deter theft so companies will give you a small discount.
  • Telematics Data Discounts – Drivers who elect to allow driving data collection to spy on when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as they are good drivers.

Drivers should understand that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way.

Large auto insurance companies and some of the premium reductions they offer include:

  • Progressive has savings for multi-vehicle, good student, multi-policy, online signing, continuous coverage, and homeowner.
  • The Hartford policyholders can earn discounts including vehicle fuel type, anti-theft, bundle, defensive driver, and air bag.
  • Mercury Insurance has discounts for accident-free, anti-theft, professional/association, multi-car, low natural disaster claims, and good student.
  • GEICO includes discounts for multi-policy, membership and employees, daytime running lights, five-year accident-free, multi-vehicle, seat belt use, and emergency military deployment.
  • AAA offers discounts for good driver, multi-policy, anti-theft, education and occupation, pay-in-full, and good student.
  • State Farm offers premium reductions for accident-free, good driver, safe vehicle, student away at school, multiple policy, driver’s education, and multiple autos.

Before buying, ask every insurance company how many discounts you can get. Savings might not apply in your area. If you would like to see a list of auto insurance companies with the best discounts, follow this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Where can I get cheap insurance?

Finding a better price on insurance can be relatively painless. Consumers just need to take a couple of minutes comparing price quotes online with multiple companies. It’s really simple and can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get quotes is a comparison rater form like this one (opens in new window). This method saves time by eliminating multiple quote forms for each company you want a rate for. A single, simple form gets insurance cost estimates from insurance companies with the best prices. This is by far the quickest method.
  2. A harder way to shop for insurance online is to manually visit each individual company website and repeat the quote process. For instance, we’ll pretend you want to see prices from GEICO, Esurance and State Farm. You would be required to visit each site and enter your policy data, which is why first method is reommended. For a list of companies in your area, click here.

Compare rates however you want, just be certain you are entering equivalent coverage limits for each price quote. If the quotes have different data you will not be able to determine the lowest rate for your BMW 6 Series.

Special considerations

When buying coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might help in determining if you would benefit from an agent’s advice.

  • Are rental cars covered under my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my policy pay for OEM or aftermarket parts?
  • What discounts do I qualify for?
  • What are the best liability limits?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage specifics

Learning about specific coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, theft, a broken windshield and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as chiropractic care, EMT expenses, rehabilitation expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like legal defense fees, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Saving money is sweet as honey

Affordable 2006 BMW 6 Series insurance is attainable on the web and from local agencies, and you should compare rates from both so you have a total pricing picture. Some insurance providers may not have online rate quotes and usually these regional carriers only sell through local independent agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced physical damage coverage and found out when filing a claim that the savings was not a smart move. Your objective should be to buy enough coverage at an affordable rate and still be able to protect your assets.

We covered a lot of tips how to get a better price on 2006 BMW 6 Series insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding the cheapest car insurance. Drivers may discover the most savings is with some of the smallest insurance companies.

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