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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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: Nov 20, 2018

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If you’ve never shopped for auto insurance quotes online, it’s easy to get baffled by the sheer number insurance agents and companies all claiming to have the lowest rates.

Consumers need to compare rates on a regular basis because insurance prices change quite often. Just because you had the best price on 7 Series insurance on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because it’s time to teach you the easiest way to reduce your cost while increasing coverage.

How to find affordable insurance coverage

All the larger insurance coverage companies like State Farm and Allstate make it easy to get insurance quotes from their websites. Getting prices online doesn’t take a lot of time as all you need to do is type in your personal and coverage information as requested by the quote form. After you complete the form, the system automatically orders your driving record and credit report and gives you a price quote determined by many factors.

Being able to quote online simplifies rate comparisons, but having to visit multiple sites and fill out multiple forms is a waste of time. But it’s very important to get many rate quotes if you are searching for the lowest possible prices on insurance coverage.

There is an easier way to compare rates

The smarter way to find better insurance coverage pricing requires only one form to obtain quotes from more than one company. This type of form saves time, requires less work, and makes price shopping online a lot less work. Once the form is submitted, your coverage is rated with multiple companies and you can pick any one of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The whole process can be completed in a matter of minutes and you will know how your current rates stack up.

To save time and fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend that you enter the coverage information just like they are on your policy. This guarantees you will have rate quotes using the same coverage and limits.

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

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Find hidden discounts on auto insurance

Auto insurance is not an enjoyable expense, but you can get discounts to cut the cost considerably. Certain reductions will be credited at the time of purchase, but once in a while a discount must be inquired about before you get the savings.

  • Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save 10% or more off the personal injury premium cost.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a auto insurance quote on 7 Series insurance.
  • No Claim Discounts – Drivers with accident-free driving histories pay less when compared with drivers with a long claim history.
  • Savings for New Vehicles – Buying a new car model can be considerably cheaper because new vehicles keep occupants safer.
  • Resident Student – College-age children who live away from home at college and do not take a car to college could qualify for this discount.
  • Service Members Pay Less – Being on active deployment in the military could mean lower premium rates.
  • Telematics Data Discounts – Drivers that enable driving data submission to scrutinize where and when they drive remotely such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they have good driving habits.
  • Bundled Policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you may earn up to 20% off your total premium.
  • Student Discounts – This discount may save as much as 25% on a auto insurance quote. The discount lasts well after school through age 25.
  • Online Discount – Some of the larger companies will provide an incentive for completing your application on their website.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way.

Auto insurance companies that may have many of the previously listed discounts possibly include:

If you are trying to find low cost auto insurance quotes, ask each company or agent how many discounts you can get. Depending on the company, some discounts might not be available to policyholders in your area. To view insurance companies offering auto insurance discounts, click here.

Tailor your insurance coverage to you

When it comes to buying coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if you might need professional guidance.

  • What is the ISO rating for a 2006 BMW 7 Series?
  • Exactly who is provided coverage by my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does coverage extend to my business vehicle?
  • Is my teen driver covered when they drive my company car?
  • I have a DUI can I still get coverage?
  • When should my teen driver be added to my policy?
  • Am I getting all the discounts available?
  • Is a blown tire covered by insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Information about specific coverages

Understanding the coverages of insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability – This coverage provides protection from injuries or damage you cause to other people or property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as legal defense fees, attorney fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive protection – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, rock chips in glass, fire damage and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your BMW 7 Series.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like dental work, nursing services and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance will pay to fix damage to your 7 Series resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.