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: Jul 17, 2018

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Drivers have many options when trying to find affordable BMW M6 insurance. You can either spend your time driving around to get rate comparisons or utilize the internet to make rate comparisons. There is a right way and a wrong way to buy car insurance and you need to know the absolute fastest way to get price quotes for a new or used BMW and obtain the lowest possible price.

Smart consumers take time to do price comparisons on a regular basis because prices fluctuate regularly. Despite the fact that you may have had the best price for M6 coverage on your last policy you can probably find a better rate now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the easiest ways to get good coverage at a lower rate.

Low cost insurance coverage prices

There are a lot of ways to compare insurance coverage prices but some are easier and takes less work. You can waste hours discussing policy coverages with agents in your area, or you could use the internet to maximize your effort.

Many of the larger companies participate in a marketplace where insurance shoppers complete one form, and at least one company can give them a price based on that information. This prevents consumers from doing quote forms to every company.

To compare pricing click here to start a free quote.

The one downside to getting quotes like this is that consumers can’t choose the providers you will receive quotes from. So if you want to choose individual companies for rate comparison, we put together a list of insurance coverage companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, do your best to use nearly identical coverages on every quote you get. If you enter different data you will not be able to decipher which rate is best.

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

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Lower rates by qualifying for these seven discounts

Auto insurance companies don’t always list all disounts very clearly, so the list below gives a summary of a few of the more common as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

  • ABS Brakes – Cars with ABS braking systems or traction control have fewer accidents and therefore earn up to a 10% discount.
  • Federal Employees – Federal government employees could qualify for a slight premium decrease for M6 coverage with certain companies.
  • Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Discount for Low Mileage – Driving less can earn substantially lower premium rates.
  • Discounts for Safe Drivers – Insureds who avoid accidents could pay up to 40% less for M6 coverage than drivers with accidents.
  • New Car Discount – Adding a new car to your policy can save up to 30% because newer models keep occupants safer.
  • Student Discount for Driver Training – Require your teen driver to sucessfully take a drivers education course in school.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts should help reduce the amount you have to pay.

Large car insurance companies and the discounts they provide are detailed below.

  • 21st Century offers discounts including homeowners, theft prevention, early bird, 55 and older, anti-lock brakes, automatic seat belts, and defensive driver.
  • Progressive includes discounts for online quote discount, multi-policy, homeowner, good student, continuous coverage, online signing, and multi-vehicle.
  • State Farm offers premium reductions for student away at school, passive restraint, good student, safe vehicle, anti-theft, and multiple policy.
  • Nationwide may offer discounts for business or organization, good student, easy pay, Farm Bureau membership, multi-policy, accident-free, and family plan.
  • Esurance may have discounts that include homeowner, paid-in-full, online shopper, anti-theft, emergency road assistance, and Pac-12 alumni.
  • The Hartford has savings for good student, defensive driver, anti-theft, air bag, and driver training.

Before purchasing a policy, check with each insurance company which discounts can lower your rates. A few discounts may not apply in your area.

Car insurance is unique, just like you

When it comes to choosing the best car insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • How much liability coverage do I need in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Which companies will insure high-risk drivers?
  • What is UM/UIM insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • I have a DUI can I still get coverage?
  • How can I force my company to pay a claim?
  • Can I drive in Mexico and have coverage?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Car insurance coverages for a 2007 BMW M6

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, falling objects and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This provides protection from damages or injuries you inflict on other’s property or people. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as loss of income, repair costs for stationary objects, legal defense fees, emergency aid and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your BMW M6.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. 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 hitting a parking meter, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for things like chiropractic care, prosthetic devices and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage