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 16, 2018

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Searching for the cheapest auto insurance rates for your BMW 1 Series? Sick and tired of not being able to scrape enough together to make your auto insurance payment? You are no different than the majority of other people. Companies like Progressive, State Farm and GEICO all claim big savings, bombarding you with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

You should take the time to price shop coverage once or twice a year since insurance prices fluctuate regularly. Just because you had the best quotes on 1 Series coverage last year the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance on the web, but we’re going to give you some solid techniques on how to find affordable auto insurance.

Don’t overlook these insurance discounts

Not too many consumers would say insurance is affordable, but you might find some hidden discounts that could help you make your next renewal payment. Most are applied when you quote, but a few need to be requested specifically before you get the savings. If you don’t get every credit possible, you could be getting lower rates.

  • Theft Deterent Discount – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Student Discount for Driver Training – Have your child take driver’s ed class in high school.
  • No Charge for an Accident – but a few companies such as Allstate, State Farm and GEICO will turn a blind eye to one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
  • Active Military Service – Having a family member in the military can result in better prices.
  • Membership in Organizations – Affiliation with a qualifying organization is a good way to get lower rates on your bill.
  • Mature Driver Discount – If you qualify as a senior citizen, you can get a small discount on rates on 1 Series coverage.
  • Federal Employees – Active or former government employment could cut as much as 10% off on 1 Series coverage with certain companies.
  • Telematics Data – Policyholders that allow data collection to study their driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they show good driving skills.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few of the larger companies and a partial list of their discounts are shown below.

  • Farm Bureau may have discounts that include youthful driver, safe driver, multi-vehicle, renewal discount, good student, and driver training.
  • State Farm may include discounts for multiple policy, safe vehicle, multiple autos, passive restraint, Steer Clear safe driver discount, and good student.
  • Progressive discounts include multi-policy, online signing, multi-vehicle, online quote discount, good student, and homeowner.
  • Allstate has savings for resident student, safe driver, passive restraint, anti-theft, EZ pay plan discount, multi-policy, and senior citizen.
  • Nationwide has discounts for business or organization, anti-theft, accident-free, good student, defensive driving, easy pay, and Farm Bureau membership.
  • MetLife offers premium reductions for good driver, claim-free, good student, defensive driver, multi-policy, and accident-free.

If you want cheaper car insurance quotes, ask all companies you are considering which credits you are entitled to. Some discounts listed above might not be available to policyholders in your area. To find insurance companies with discount rates, click here to view.

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

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BMW 1 Series insurance price factors

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that help determine the price you pay for auto insurance. When consumers understand what determines premiums, this enables you to make decisions that will entitle you to lower premium levels.

The list below includes some of the factors auto insurance companies consider when setting prices.

  • High credit history translates to low costs – A driver’s credit rating can be an important factor in your rate calculation. Therefore, if your credit rating could use some work, you may save money insuring your 2010 BMW 1 Series if you clean up your credit. People that have high credit ratings tend to file fewer claims than drivers who have poor credit.
  • Car and home together may be cheaper – The majority of companies afford lower prices to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, drivers will still want to get quotes from other companies to guarantee you are still saving the most.
  • Save money by eliminating add-on coverages – There are a ton of optional add-on coverages that you can buy if you aren’t diligent. Things like personal injury protection, high-cost glass coverage, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing when deciding what coverages you need, but if you’ve never needed them in the past remove them from your policy.
  • Getting married equates to better premiums – Having a significant other may save some money compared to being single. Having a spouse means you’re less irresponsible and statistics show being married results in fewer claims.
  • Filing insurance claims can cost you more – If you tend to file frequent claims, you can pretty much guarantee higher rates. Companies generally give better rates to drivers who are claim-free. Auto insurance is designed for claims that you cannot pay yourself.
  • Gender and auto insurance prices – Statistics demonstrate females are less aggressive when driving. However, don’t assume that women are better drivers. Females and males cause at-fault accidents in similar percentages, but the males have accidents that have higher claims. Men also tend to get higher numbers of serious violations like DUI and reckless driving. Teenage male drivers have the highest risk to insure and therefore pay the highest rates.

When to get professional advice

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • What can I do if my company won’t pay a claim?
  • What is the ISO rating for a 2010 BMW 1 Series?
  • I have health insurance so do I need medical payments coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are there companies who specialize in insuring high-risk drivers?
  • When should I buy a commercial auto policy?
  • Does liability extend to a camper or trailer?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverage basics

Understanding the coverages of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average car insurance policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as prosthetic devices, doctor visits and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage protection

Collision coverage pays for damage to your 1 Series resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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 important protection for you and your family.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things like pain and suffering, medical expenses, attorney fees, bail bonds and court costs. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, falling objects and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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

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More effort can pay off

In this article, we presented many ideas to get a better price on 2010 BMW 1 Series insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower prices compared to the large companies like Progressive and GEICO.

Lower-priced insurance coverage can be found online in addition to local insurance agencies, so get free car insurance quotes from both of them in order to have the best chance of saving money. A few companies don’t offer rate quotes online and most of the time these regional carriers only sell through independent insurance agencies.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage only to regret that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

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