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: Dec 1, 2018

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Sick and tired of robbing Peter to pay Paul to make your insurance payment? You are no different than most other vehicle owners. There are many auto insurance companies to pick from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare company pricing.

It’s a good idea to compare prices once or twice a year because insurance prices change regularly. Just because you found the lowest rates for M6 coverage six months ago you may be paying too much now. Ignore everything you know about insurance because you’re about to learn the proper way to find better coverage at a better price.

How to buy car insurance online

There are several ways to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to get prices fast.

Most of the best insurance companies enroll in a system where insurance shoppers complete one form, and each participating company then returns a price quote for coverage. This system prevents you from having to do form submissions to each individual car insurance company.

To get comparison pricing now click here to start a free quote.

The only drawback to using this type of system is that consumers can’t choose which insurance companies you want pricing from. If you wish to select specific providers to compare, we have a listing of car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure you’re using identical coverages and limits for each price quote. If you compare mixed coverages you can’t possibly make a fair comparison for your BMW M6.

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

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Use discounts to get cheaper auto insurance quotes

Car insurance is not cheap, but you may qualify for discounts to help offset the cost. Certain discounts will be applied when you get a quote, but once in a while a discount must be inquired about before you will receive the discount. If they aren’t giving you every credit you qualify for, you are not getting the best rate possible.

  • Discounts for Safe Drivers – Accident-free drivers can save up to 40% or more on their auto insurance quote for M6 coverage compared to rates paid by drivers with frequent claims.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Waiver for an Accident – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a specific time period.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for M6 coverage with a few auto insurance companies.
  • Senior Citizen Rates – Mature drivers can possibly qualify for a discount up to 10% for M6 coverage.
  • Passenger Safety Discount – Vehicles equipped with air bags may qualify for discounts of 20 to 30 percent.
  • College Student Discount – Older children who live away from home to go to college and don’t have a car could get you a discount.

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Even though it may seem like you can get free auto insurance, you’re out of luck.

To choose insurance companies that offer many of these discounts, click this link.

Good decisions result in lower insurance rates

Consumers need to have an understanding of some of the elements that help determine the price you pay for insurance. When you understand what determines premiums, this enables informed choices that can help you get lower premium levels. Lots of factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious like your driving record, but some are more transparent such as your credit history or your commute time.

  • You may save more by combining policies – Lots of insurers will award a discount to policyholders that purchase more than one policy. It’s known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you already get this discount, it’s always a smart idea to check prices from other companies to guarantee you are still saving the most.
  • A good credit history can save money – Credit rating is a large factor in determining what you pay. Insureds with high credit ratings tend to be more responsible than drivers who have lower credit scores. So if your credit history can use some improvement, you may save money insuring your 2010 BMW M6 by spending a little time repairing your credit.
  • Buy a safe car and pay less – Vehicles with good safety scores tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and fewer injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If the BMW M6 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Get married and get cheaper prices – Getting married may earn you lower rates on insurance. Having a significant other may mean you are more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Save money with alarms and GPS tracking – Owning a car with an alarm system can save you a little every year. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • What is covered by UM/UIM coverage?
  • What is PIP insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when delivering products for my home-based business?
  • What happens if I owe more than my 2010 BMW M6 is worth?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I benefit by insuring my home with the same company?
  • Should I buy only the required minimum liability coverage?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

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

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Can you really save if you switch?

Consumers can’t ignore all the ads for cheaper car insurance from companies such as Allstate and Progressive. They all seem to convey the message about how much you will save after switching your car insurance policy to them.

How is it plausible that every one can charge you a lower premium? Here is how they do it.

Companies quote their best rates for the driver that makes them money. A good example of this type of driver could possibly be between the ages of 40 and 55, has a low-risk occupation, and has excellent credit. A propective insured who fits those characteristics will get the preferred rates and will cut their rates if they switch.

People who do not fit these criteria will probably be forced to pay higher premiums and the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” not “all people who quote” save that kind of money. That’s the way companies can truthfully lure you into getting a quote.

Each company has different criteria, so you really should compare free auto insurance quotes often. It is impossible to guess which company will have the best rates at this point in time.

Specific coverages for a BMW M6

Having a good grasp of car insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most car insurance policies.

Liability coverages – This will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like court costs, legal defense fees, repair bills for other people’s vehicles, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive or Other Than Collision – This pays to fix your vehicle from 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 insurance covers claims such as rock chips in glass, hitting a bird, a broken windshield and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – This coverage will pay to fix damage to your M6 resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, colliding with another moving vehicle, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Medical costs insurance – Med pay and PIP coverage kick in for expenses such as EMT expenses, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Saving money makes a lot of cents

We just showed you a lot of information how to compare 2010 BMW M6 insurance premium rates online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best premium rates are with a smaller regional carrier. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

Lower-priced insurance coverage can be found online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not offer rates over the internet and most of the time these regional carriers prefer to sell through independent agencies.

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