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: Apr 19, 2018

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Comparing and finding cheap rates for auto insurance is always difficult for beginners to comparing prices online. You have so many companies to choose from that it can easily turn into a ton of work to compare rates.

Consumers need to do rate comparisons occasionally because prices are rarely the same from one policy term to another. If you had the best deal for 1 Series insurance a year ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to find out the proper way to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these methods. Shopping for cheaper coverage is simple if you know the tricks. But consumers benefit from understanding the way companies compete online and apply this information to your search.

Cut your insurance coverage rates with these ten discounts

Companies don’t always publicize every possible discount in a way that’s easy to find, so below is a list some of the more common as well as the least known credits available to you.

  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy life insurance from them.
  • Multi-policy Discount – If you can combine your homeowners and auto policy and place coverage with the same company you may earn over 10 percent off each policy depending on the company.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can stop better under adverse conditions and earn discounts up to 10%.
  • Driving Data Discount – Drivers that enable data collection to track vehicle usage remotely like Allstate’s Drivewise may get a rate reduction as long as the data is positive.
  • Multiple Cars – Purchasing coverage when you have multiple cars on a single policy can get a discount for every vehicle.
  • Sign Early and Save – Some larger companies give discounts for renewing your policy prior to your current policy expiration. You can save around 10% with this discount.
  • Discounts for New Vehicles – Insuring a new car can save you some money due to better safety requirements for newer vehicles.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little off the PIP or medical payment premium.
  • Distant Student Discount – Kids who live away from home at college and don’t have a car can be insured at a reduced rate.

As is typical with insurance, most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you could get a free insurance coverage policy, that’s just not realistic. But any discount will definitely reduce the cost of coverage.

A few popular companies and some of their more popular discounts are shown below.

  • Farm Bureau may have discounts that include multi-policy, driver training, renewal discount, 55 and retired, youthful driver, good student, and multi-vehicle.
  • Liberty Mutual offers discounts for new graduate, preferred payment discount, teen driver discount, new vehicle discount, newly retired, and good student.
  • State Farm has discounts for student away at school, passive restraint, anti-theft, accident-free, safe vehicle, good driver, and defensive driving training.
  • Auto-Owners Insurance includes discounts for company car, anti-theft, paperless, safe driver, and safe vehicle.
  • GEICO policyholders can earn discounts including emergency military deployment, military active duty, federal employee, good student, five-year accident-free, and membership and employees.
  • SAFECO has savings for multi-car, anti-lock brakes, accident prevention training, teen safe driver, and anti-theft.

Before purchasing a policy, check with every company to give you their best rates. Some of the discounts discussed earlier might not apply in your area. If you would like to choose from a list of insurance coverage companies with discount rates, click this link.

The best way we recommend to compare insurance rates from multiple companies is to understand most of the larger companies pay for the opportunity to give free rates quotes. To begin a comparison, all you need to do is provide information including whether or not you need a SR-22, the make and model of your vehicles, your job, and if you are currently licensed. Your insurance information is automatically sent to insurance companies and you will receive price estimates within a short period of time.

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

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You are unique and your insurance coverage should be too

When choosing the best insurance coverage coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

These are some specific questions might help in determining whether you would benefit from professional advice.

  • Are rental cars covered under my policy?
  • Should I waive the damage coverage when renting a car?
  • How much liability insurance is required?
  • When can my company non-renew my policy?
  • If my pet gets injured in an accident are they covered?
  • How can I find cheaper teen driver insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Where can I find DUI or SR-22 insurance?
  • Should I sign the liability waiver when renting a car?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Car insurance coverages explained

Understanding the coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverage – This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, vandalism, damage from getting keyed, hitting a deer and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for liability – Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as loss of income, attorney fees, repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your BMW 1 Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like X-ray expenses, funeral costs and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

We’ve covered quite a bit of information on how to save on 2008 BMW 1 Series insurance. The key concept to understand is the more times you quote, the better your chances of lowering your car insurance rates. Consumers could even find that the best price on auto insurance is with a smaller regional carrier.

Low-cost 2008 BMW 1 Series insurance can be purchased on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies don’t offer online price quotes and usually these smaller providers sell through independent agencies.

Consumers change insurance companies for many reasons like denial of a claim, an unsatisfactory settlement offer, policy cancellation and even delays in paying claims. Whatever your reason, switching companies can be less work than you think.

More detailed auto insurance information can be found in the articles below: