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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Want better auto insurance rates for your BMW ALPINA B7? Scraping up a payment for pricey BMW ALPINA B7 insurance can diminish your savings and maybe even restrict other spending. Comparing rate quotes can save money and help to make ends meet.

Drivers have many insurers to purchase coverage from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates and find the lowest cost auto insurance.

You should make it a habit to compare prices every six months because auto insurance prices are adjusted regularly by insurance companies. Just because you found the lowest price on ALPINA B7 coverage a couple years back you will most likely find a better rate quote today. Block out anything you think you know about auto insurance because we’re going to demonstrate one of the best ways to reduce your cost while improving coverage.

Buy insurance online

Cutting your insurance rates can be relatively painless. All you need to do is invest a little time comparing price quotes to find. It’s really simple and can be done in a couple of different ways.

  1. Experts agree that the best way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This quick form eliminates the need for repetitive form submissions for every prospective company. Completing one form gets coverage cost estimates instantly.
  2. A more difficult way to analyze rates is going to each company website and request a quote. For sake of this example, we’ll assume you want to compare rates from Liberty Mutual, GEICO and GMAC. To get each rate you have to visit each site and punch in your information repeatedly, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, make sure you compare exactly the same information on every quote. If you are comparing different deductibles you will not be able to decipher which rate is best.

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

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Affordable car insurance rates with discounts

Car insurance is expensive, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will be applied when you quote, but lesser-known reductions have to be asked about prior to getting the savings.

  • Accident Forgiveness – This one is not really a discount per se, but companies like Progressive, State Farm and GEICO allow you one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
  • Professional Memberships – Being a member of specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for car insurance.
  • Own a Home – Being a homeowner may earn you a small savings because it is proof of financial responsibility.
  • Safety Restraint Discount – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • College Student – Children living away from home attending college and don’t have a car may be insured at a cheaper rate.
  • Government Employee Discount – Active or retired federal employment could cut as much as 10% off on ALPINA B7 coverage depending on your car insurance provider.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may receive a discount up to 10% on ALPINA B7 coverage.
  • Active Military Service – Being on active duty in the military could qualify you for better rates.
  • Theft Deterent System – Vehicles optioned with advanced anti-theft systems help deter theft and will save you 10% or more.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, it’s just not the way it works.

A list of car insurance companies and some of their more popular discounts are:

  • State Farm discounts include Drive Safe & Save, Steer Clear safe driver discount, multiple policy, passive restraint, defensive driving training, and anti-theft.
  • American Family policyholders can earn discounts including TimeAway discount, good student, accident-free, mySafetyValet, and good driver.
  • GEICO may offer discounts for federal employee, anti-theft, membership and employees, defensive driver, and anti-lock brakes.
  • 21st Century includes discounts for 55 and older, driver training, student driver, good student, anti-lock brakes, and teen driver.
  • Progressive offers discounts for homeowner, online quote discount, online signing, good student, multi-vehicle, multi-policy, and continuous coverage.

Double check with all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in every state. If you would like to view insurers with discount car insurance rates, click here to view.

Informed consumers can slash their insurance premiums

When buying car insurance it’s important to understand some of the factors that go into determining your premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that can earn you lower car insurance prices. Many things are used when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but some are more transparent like your continuous coverage or your commute time.

Shown below are some of the major factors used by insurance companies to determine your rate level.

  • Frequent insurance claims increase rates – If you tend to file frequent claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Auto insurance companies generally give better rates to drivers who file claims infrequently. Your car insurance is meant to be used in the event of the large, substantial claims.
  • How’s your driving record? – Your driving record has a lot to do with how much you pay for insurance. Good drivers have lower premiums than their less careful counterparts. Just one moving violation may increase your cost by twenty percent. Drivers who get multiple tickets such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive a vehicle.
  • Male premiums may be higher – Statistics show that females tend to be a little less risky than males. Now that doesn’t mean females are better drivers. They both cause fender benders at a similar rate, but guys cause more damage. Not only that, but men also have more aggressive citations like DUI and reckless driving. Males from age 16 to 21 are the most expensive to insure so it costs more to insure them.
  • Pay lower premiums after the wedding – Walking down the aisle may save some money on your car insurance policy. It translates into being more mature and responsible and statistics prove being married results in fewer claims.
  • Save money by having good credit – Having a bad credit score is a large factor in determining premium rates. Drivers who have very high credit ratings tend to be more responsible than drivers with bad credit. So if your credit history is not that good, you could potentially save money when insuring your 2012 BMW ALPINA B7 if you clean up your credit.
  • Older drivers pay less – Teen drivers tend to get distracted easily behind the wheel so car insurance rates are higher. Adding a first-time driver onto your car insurance can be quite pricey. Older, more experienced drivers are more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there really is no cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine whether you could use an agent’s help.

  • Does my insurance cover a custom paint job?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need more liability coverage?
  • Am I better off with higher deductibles on my 2012 BMW ALPINA B7?
  • When should I buy a commercial auto policy?
  • Can my teen drive my company car?
  • Should I buy additional glass protection?
  • I don’t drive much so do I pay less?
  • Am I covered if I hit my neighbor’s mailbox?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

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

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Car insurance coverages for a BMW ALPINA B7

Having a good grasp of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by car insurance companies.

Coverage for uninsured or underinsured drivers

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. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for things like doctor visits, funeral costs, nursing services and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage

This will pay to fix damage to your ALPINA B7 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive car insurance

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things like pain and suffering, medical services, loss of income, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Shop Smart and Save

Low-cost 2012 BMW ALPINA B7 insurance can be found from both online companies as well as from insurance agents, and you should be comparing both to have the best rate selection. Some companies don’t offer price quotes online and many times these small, regional companies only sell coverage through independent agencies.

When trying to cut insurance costs, you should never buy poor coverage just to save money. There are too many instances where someone sacrificed liability coverage limits only to find out that they should have had better coverage. The proper strategy is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

To read more, take a look at the resources below: