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: Oct 5, 2015

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No one in their right mind anticipates paying for auto insurance, especially when they are paying too much. Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate all promote huge savings with advertising and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.

Take advantage of every auto insurance discount

Some insurance providers don’t necessarily list every disount available in a way that’s easy to find, so the following list contains some of the more common and the more hidden ways to save on auto insurance.

  • Accident Waiver – but some companies like Progressive, Allstate, and GEICO will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Military Discounts – Having a family member in the military could qualify you for better premium rates.
  • Discount for Life Insurance – Select auto insurance companies reward you with a break if you buy life insurance.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.
  • More Vehicles More Savings – Having several vehicles with one company qualifies for this discount.
  • Save with a New Car – Buying a new car model may earn a small discount because new vehicles keep occupants safer.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will lower your policy premium.

A few companies that may offer policyholders most of the discounts above are:

Double check with each company how you can save money. Some of the discounts discussed earlier might not be offered in your area. To choose providers who offer cheap auto insurance quotes, click here to view.

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

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Compare auto insurance rates

All the larger auto insurance companies such as State Farm, Allstate and GEICO allow you to get prices for coverage on the web. Getting quotes is quite easy as you just type in the coverages you want as detailed in the form. Behind the scenes, the quote system requests your driving record and credit report and gives you a price quote based on these and other factors. Online quotes helps simplify price comparisons, but the work required to visit many different websites and type in the same data can get tiresome after awhile. But it’s very important to perform this step if you are searching for better auto insurance pricing.

A better way to find better auto insurance pricing uses one form to get prices from a bunch of companies at once. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much more enjoyable. Immediately after submitting the form, your coverage is rated and you can select your choice of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process takes just a few minutes to complete and could lower your rates considerably.

To get comparison pricing now, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you input deductibles and limits exactly as shown on your declarations page. This helps ensure you will be getting a price comparison for similar insurance coverage.

Educated choices result in lower insurance rates

Lots of factors are considered when premium rates are determined. A few of the factors are predictable such as your driving history, but some are less apparent such as your marital status or how financially stable you are.When buying insurance coverage it’s important to understand some of the things that help calculate the price you pay for insurance coverage. If you know what impacts premium levels, this empowers consumers to make smart changes that can earn you lower insurance coverage prices.

  • If you don’t need it don’t buy it – Insurance companies have many additional extra coverages that can add up but may not be useful. Insurance for things like replacement cost coverage, better glass coverage, and extra equipment coverage may be wasting your money. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so consider taking them off your policy.
  • High credit scores save money – Having a good credit score is likely to be a major factor in calculating your premium rate. If your credit history is low, you could pay less to insure your 2011 BMW ALPINA B7 by spending a little time repairing your credit. Insureds that have very good credit scores tend to be better risks to insure than drivers who have lower credit ratings.
  • Physical damage deductibles – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some instances where coverage would apply are running into the backend of another car, damage from fire, and windstorm damage. Comprehensive and collision coverage deductibles tell how much you are willing to pay before a claim is paid by your company. The more damage repair cost the insured is willing to pay, the less money you will pay for insurance coverage on ALPINA B7 coverage.
  • Cheaper rates for prior coverage – Driving any period of time without insurance is a big no-no and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, not being able to provide proof of insurance will get you a steep fine or even jail time.
  • Frequent insurance claims increase prices – Insurance companies award lower rates to people who are not frequent claim filers. If you file a lot of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Prevent theft and save – Buying a car with advanced anti-theft systems can help lower your rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft and help bring rates down.
  • Liability protection preserves assets – Liability insurance will provide protection if you are found liable for damages caused by your negligence. This coverage provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Having a spouse reduces risk – Getting married may cut your premiums compared to being single. Marriage translates into being more responsible and statistics show being married results in fewer claims.

How to know if you need help

When buying the best car insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation could use an agent’s help.

  • Am I covered by my spouse’s policy after a separation?
  • Does my policy cover me when driving someone else’s vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I really need UM/UIM coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I sign the liability waiver when renting a car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

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

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Car insurance 101

Having a good grasp of your insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they 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, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like rehabilitation expenses, dental work, ambulance fees and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

This provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things such as repair costs for stationary objects, structural damage, court costs and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, theft, vandalism and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

This covers damage to your ALPINA B7 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Spend less. Save more.

In this article, we presented a lot of information how to reduce 2011 BMW ALPINA B7 insurance prices online. It’s most important to understand that the more times you quote, the better likelihood of getting cheaper auto insurance. Consumers may even find the most savings is with a small mutual company. Regional companies may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.

When you buy auto insurance online, it’s not a good idea to reduce coverage to reduce premium. In many cases, an insured cut liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at an affordable rate and still be able to protect your assets.

Lower-priced 2011 BMW ALPINA B7 insurance can be sourced online as well as from independent agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some auto insurance companies may not have price quotes online and many times these smaller providers provide coverage only through independent agents.

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