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: Oct 16, 2017

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Shoppers have lots of choices when shopping for the lowest priced BMW X5 M insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to compare rates. There is a better way to buy car insurance and we’ll show you the quickest way to get price quotes on a BMW and locate the best price possible from local insurance agents and online providers.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Vehicle owners just need to understand the best way to buy auto insurance online.

Affordable insurance coverage quotes online

There are multiple methods to compare insurance coverage quotes, but there is one way that is more efficient than others. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize online quotes to achieve your goal.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and each participating company returns a rated price determined by their information. This prevents consumers from doing form submissions to every company.

To use this form to compare rates click to open in new window.

One minor caviat to doing it this way is that you can’t choose the insurers to get pricing from. If you would rather choose from a list of companies for rate comparison, we have a listing of insurance coverage companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, make absolute certain that you use exactly the same coverage information for every company. If you are comparing mixed coverages it will be impossible to get a fair rate comparison.

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

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How insurers determine BMW X5 M insurance premiums

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. When you know what positively or negatively determines base rates, this allows you to make educated decisions that could result in cheaper rates.

Shown below are some of the things used by your company to calculate your premiums.

  • Auto insurance rates and age – Drivers with little experience are proven to be inattentive and easily distracted when behind the wheel therefore auto insurance rates are much higher. If you’ve ever had to add a inexperienced driver onto a policy can cause a big jump in price. Older, more experienced drivers are more cautious drivers, cost insurance companies less in claims and get fewer tickets.
  • Always keep your auto insurance in place – Having an insurance coverage lapse is a sure-fire way to trigger a rate increase. Not only will rates go up, failure to provide proof of insurance may result in a fine, jail time, or a revoked license.
  • Responsible drivers pay less – Your driving citation history has a big impact on rates. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Just one chargable violation may increase your cost to the point where it’s not affordable. Drivers who get license-revoking citations such as DUI or willful reckless driving may find that they have to to complete a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Buy a safe car and pay less – Cars with high safety ratings are cheaper to insure. Vehicles built for safety reduce occupant injuries and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your BMW has ratings of a minimum four stars on you may be receiving a better rate.
  • Protect yourself with liability coverage – Liability insurance provides coverage if a court rules you are at fault for physical damage or personal injury to other. Liability provides legal defense coverage which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Marriage discount – Walking down the aisle may earn you lower rates on your auto insurance policy. Marriage may mean you are more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Battle of the sexes – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Both genders have accidents in similar numbers, but the males tend to have higher claims. Not only that, but men also have more aggressive citations like DUI and reckless driving.

Find hidden discounts to get affordable auto insurance rates

Some insurance providers don’t always advertise the complete list of policy discounts very clearly, so the next list breaks down some of the more common and the harder-to-find discounts that you may qualify for.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.
  • Policy Bundle Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10 to 15 percent or more.
  • Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% for X5 M coverage with some auto insurance companies.
  • Paperwork-free – Certain larger companies will give a small break shop insurance coverage online.
  • Onboard Data Collection – Insureds who allow data collection to study driving manner by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.

Remember that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, you won’t be that lucky. But any discount will positively reduce your policy premium.

Popular auto insurance companies and a selection of discounts can be read below.

  • GEICO discounts include multi-policy, anti-lock brakes, anti-theft, seat belt use, military active duty, and driver training.
  • MetLife policyholders can earn discounts including claim-free, good student, defensive driver, multi-policy, accident-free, good driver
  • Progressive includes discounts for multi-vehicle, multi-policy, online quote discount, online signing, continuous coverage, good student, and homeowner.
  • Travelers offers discounts for multi-policy, payment discounts, home ownership, save driver, IntelliDrive, and hybrid/electric vehicle.
  • SAFECO has savings for safe driver, accident prevention training, multi-car, anti-theft, and teen safety rewards.
  • AAA may offer discounts for AAA membership discount, pay-in-full, multi-policy, good student, education and occupation, and good driver.

When quoting, ask every company to apply every possible discount. Some of the earlier mentioned discounts might not be offered everywhere. To view insurers that offer many of these discounts, follow this link.

Tailor your insurance coverage to you

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Are rock chip repairs covered?
  • Should I have a commercial auto policy?
  • Is my trailer covered?
  • Am I better off with higher deductibles on my 2012 BMW X5 M?
  • Where can I find high-risk insurance?
  • When should I not file a claim?
  • Can my babysitter drive my car?
  • Are rental cars covered under my policy?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

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

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Specific coverage details

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like ambulance fees, hospital visits and rehabilitation expenses. They can be utilized in addition to 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 being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2012 BMW X5 M.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.


Liability insurance can cover damage or injury you incur to people or other property. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like bail bonds, attorney fees, pain and suffering, legal defense fees and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision insurance covers damage to your X5 M caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, theft, hail damage, damage from flooding and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Find Good Coverage for Less

As you quote insurance coverage, you should never reduce coverage to reduce premium. In many cases, drivers have reduced uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest cost while still protecting your assets.

Low-cost 2012 BMW X5 M insurance is attainable from both online companies as well as from independent agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not offer the ability to get quotes online and most of the time these regional carriers only sell coverage through independent agents.

We just covered a lot of ways to lower your 2012 BMW X5 M insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. Consumers could even find that the most savings is with a small mutual company.

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