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: Sep 4, 2018

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Trying to find the cheapest car insurance rates for your BMW 1 Series? Have you had enough of not being able to afford to pay car insurance each month? You’re in the same situation as millions of other consumers.

Consumers have multiple insurers to pick from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find the lowest rates.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to save some money using these techniques. But consumers benefit from understanding the way insurance companies compete online and apply this information to your search.

Discounts for cheap auto insurance rates

The cost of insuring your cars can be expensive, but there may be some discounts to help offset the cost. Most are applied when you complete an application, but some discounts are required to be requested specifically before you will receive the discount.

  • E-sign – Many auto insurance companies provide a small discount for buying a policy and signing up digitally online.
  • Pay Upfront and Save – By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% off the PIP or medical payment premium.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of 20 to 30 percent.
  • Military Deployment Discount – Being on active deployment in the military could mean lower rates.
  • College Student – Kids who live away from home to go to college and leave their car at home can receive lower rates.
  • Renewal Discounts – Some auto insurance companies give discounts for switching companies before your current coverage expires. You can save around 10% with this discount.

A quick disclaimer, most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

To find auto insurance companies offering auto insurance discounts, click here to view.

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

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Reduce insurance rates with these tips

Lots of factors are taken into consideration when premium rates are determined. Some factors are common sense such as traffic violations, although some other factors are more transparent such as your marital status or your commute time.

  • Incidental coverages that aren’t used – There are quite a few optional add-on coverages that you can get tricked into buying if you don’t pay attention. Coverages like coverage for rental cars, accidental death, and membership fees could be just wasting money. They may seem good when buying your policy, but if you’ve never needed them in the past consider taking them off your policy.
  • Drive a safer car and pay less – Safe vehicles get lower rates. The safest vehicles result in less severe injuries and fewer serious injuries means your insurance company pays less and cheaper rates on your policy.
  • Save money by raising comp and collision deductibles – Coverage for physical damage, aka comp and collision, is used to repair damage to your BMW. Some instances where coverage would apply are a broken windshield, damage caused by hail, and burglary. Physical damage deductibles represent how much money you are required to pay before your car insurance pays a claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for 1 Series insurance.
  • How’s your driving record? – Even one citation can boost insurance rates to the point where it’s not affordable. Good drivers get better rates as compared to those with violations. Drivers who have dangerous citations such as hit and run, DWI or reckless driving convictions might be required by their state to complete a SR-22 with their state’s licensing department in order to drive a vehicle legally.
  • Getting married pays dividends – Having a significant other can actually save you money on your policy. It generally demonstrates drivers are more mature and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Your stress level may be raising your prices – Jobs such as fire fightersair traffic controllers and miners have the highest average rates because of intense work-related stress and long work days. Other jobs such as scientists, athletes and homemakers pay the least for 1 Series insurance.
  • Infrequent drivers can save – The higher the miles on your BMW each year the more you’ll pay to insure your vehicle. A lot of insurance companies rate vehicles based upon how the vehicle is primarily used. Autos that sit idle most of the time get more affordable rates than cars that get driven a lot. An incorrectly rated 1 Series is just wasting money. Ask your agent if your policy states the correct usage.

Tailor your car insurance coverage to you

When choosing coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Which is better, split liability limits or combined limits?
  • Should I sign the liability waiver when renting a car?
  • How do I insure my teen driver?
  • Is my 2012 BMW 1 Series covered for smoke damage?
  • Am I covered if I drive in a foreign country?
  • Do I need replacement cost coverage on my 2012 BMW 1 Series?
  • What discounts do I qualify for?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverages for a 2012 BMW 1 Series

Having a good grasp of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hitting a bird, hitting a deer, hail damage and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like repair bills for other people’s vehicles, repair costs for stationary objects, medical services and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your BMW 1 Series.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for pain medications, rehabilitation expenses, surgery, EMT expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays for damage to your 1 Series resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, damaging your car on a curb, hitting a mailbox, rolling your car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

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

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Quote often and quote early

Cheaper insurance coverage can be purchased online and with local insurance agents, so get free insurance coverage quotes from both of them to get a complete price analysis. A few companies may not provide online rate quotes and most of the time these small, regional companies only sell through independent agents.

When you buy insurance coverage online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice full coverage only to regret that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage for the lowest price.

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