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...

Full Bio →

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jul 9, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for better car insurance rates for your BMW ActiveHybrid 7? Having to pay for overpriced BMW ActiveHybrid 7 insurance can diminish your accounts, especially in this economy. Multiple insurance companies compete for your insurance dollar, so it’s not easy to compare every insurer to discover the definitive cheapest price

If you are insured now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Finding the best rates is not that difficult. Consumers just need to know the tricks to shop for car insurance over the internet.

Finding auto insurance

There are several ways you can shop for auto insurance and some are more efficient than others. You could spend your day talking about coverages with local insurance agents in your area, or you could use the web to maximize your effort.

Many popular insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each participating company provides a quote based on the submitted data. This saves time by eliminating quote requests for each company.

To submit your quote information now, click here to start a free quote.

The single downside to doing it this way is you cannot specify the insurers to get quotes from. So if you want to choose specific providers to request quotes from, we put together a list of auto insurance companies in your area. Click to view list.

Whichever way you use, do your best to use apples-to-apples quote data for every quote you compare. If you compare different deductibles you will not be able to find the best deal for your BMW ActiveHybrid 7.

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

secured lock Secured with SHA-256 Encryption

Car insurance policy discounts you can’t miss

Car insurance is easily one of your largest bills, but there’s a good chance there are discounts to reduce the price significantly. Many discounts should be triggered when you quote, but once in a while a discount must be manually applied before you will receive the discount.

  • Theft Prevention System – Cars and trucks with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 20% or more.
  • Save over 55 – Mature drivers may receive reduced rates on ActiveHybrid 7 insurance.
  • Multiple Cars – Having all your vehicles with the same company could earn a price break for each car.
  • Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates on ActiveHybrid 7 insurance than less cautious drivers.
  • Auto/Home Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you could earn a discount of up to 20% and get you cheap insurance.
  • Driver’s Ed – Have your child enroll in driver’s education if it’s offered in school.
  • Safety Course Discount – Successfully completing a course teaching safe driver skills is a good idea and can lower rates if your company offers it.
  • Good Grades Discount – Excelling in school can get you a discount of up to 25%. This discount can apply up to age 25.
  • Military Rewards – Being deployed with a military unit can result in better premium rates.

You can save money using discounts, but some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky.

Some of the larger companies that have these money-saving discounts possibly include:

Before you buy a policy, ask each company how many discounts you can get. A few discounts might not be available to policyholders in your area. To see a list of providers with discount rates, click here.

Insurance agents can help

When buying coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • Do I benefit by insuring my home with the same company?
  • Am I covered if hit by an uninsured driver?
  • Who is covered when they drive my 2011 BMW ActiveHybrid 7?
  • Do all my vehicles need collision coverage?
  • Does medical payments coverage apply to all occupants?
  • When should I drop full coverage on my 2011 BMW ActiveHybrid 7?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Insurance policy coverages for a BMW ActiveHybrid 7

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Medical expense insurance

Med pay and PIP coverage kick in for bills such as funeral costs, rehabilitation expenses, nursing services, surgery and dental work. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your BMW ActiveHybrid 7.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, rock chips in glass and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

Liability insurance will cover damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as court costs, emergency aid, funeral expenses, medical services and loss of income. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your ActiveHybrid 7 caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, colliding with a tree, sideswiping another vehicle, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.