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 25, 2018

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Searching for the cheapest auto insurance rates for your BMW 6 Series? Do you get exhausted from wondering where the money will come from to keep your car insured? Your situation is no different than many other consumers.

Due to the abundance of insurance providers from which to choose, it can be diffult for people to pick the most cost effective insurance company.

Consumers need to quote other rates every six months because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price on 6 Series insurance a couple years back the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because it’s time to teach you the fastest and easiest way to save on auto insurance.

Buying affordable insurance coverage is not that difficult. Basically, everyone who shops for insurance coverage will most likely be able to cut their insurance bill. But drivers do need to know the methods companies use to compete online.

The most recommended method to compare car insurance rates is to take advantage of the fact most of the larger companies have advanced systems to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details like whether you are married, how many miles driven, driver details, and whether your vehicle is owned or leased. Your insurance information gets sent immediately to multiple insurance coverage providers and they return rate quotes almost instantly.

Take advantage of every insurance coverage discount

Not too many consumers would say insurance coverage is affordable, but you may be missing some discounts to reduce the price significantly. Certain credits will be shown when you complete an application, but less common discounts must be specially asked for before you will receive the discount. If you do not double check each discount you deserve, you could be saving more on your insurance coverage.

  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease on 6 Series insurance depending on your insurance coverage provider.
  • Data Collection Discounts – Policyholders that allow driving data collection to spy on their driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they show good driving skills.
  • Savings for New Vehicles – Buying a new car model may earn a small discount because new vehicles keep occupants safer.
  • Own a Home and Save – Just being a homeowner can help you save on insurance coverage since owning and maintaining a home is proof that your finances are in order.
  • E-sign Discounts – Some of the larger companies will give you a small discount just for signing your application on their website.
  • Multi-line Discount – Insurance coverage companies who offer life insurance give a discount if you purchase a life policy as well.
  • Sign Early and Save – Some larger companies give discounts for switching to them early. It can save you around 10%.
  • Theft Deterent Discount – Cars equipped with anti-theft or alarm systems help deter theft and that can save you a little bit as well.

Policy discounts save money, but most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, you aren’t that lucky.

Larger insurance coverage companies and their offered discounts can be found below.

  • GEICO may offer discounts for multi-policy, anti-lock brakes, membership and employees, federal employee, emergency military deployment, and military active duty.
  • Travelers discounts include home ownership, continuous insurance, driver training, multi-car, and payment discounts.
  • Nationwide offers premium reductions for multi-policy, Farm Bureau membership, business or organization, anti-theft, defensive driving, and easy pay.
  • Farmers Insurance offers discounts for pay in full, early shopping, switch companies, distant student, homeowner, and teen driver.
  • Esurance may include discounts for homeowner, multi-car, Pac-12 alumni, safety device, claim free, and anti-lock brakes.
  • State Farm includes discounts for student away at school, multiple policy, good driver, anti-theft, safe vehicle, good student, and Drive Safe & Save.
  • Progressive offers discounts including online signing, online quote discount, homeowner, good student, continuous coverage, and multi-policy.
  • Mercury Insurance has savings for professional/association, multi-policy, accident-free, low natural disaster claims, anti-theft, location of vehicle, and annual mileage.

Before buying, ask each company which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your area. To see a list of providers that offer multiple discounts, follow this link.

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

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What determines BMW 6 Series insurance prices?

Lots of factors are part of the calculation when quoting car insurance. Some are pretty understandable such as traffic violations, although others are more obscure like where you live or your vehicle rating.Consumers need to have an understanding of the factors that aid in calculating the level of your policy premiums. When you know what positively or negatively determines base rates, this allows you to make educated decisions that could result in lower premium levels.

  • Annual mileage and car insurance premiums – Driving more miles in a year the more you will pay for car insurance. The majority of insurers rate vehicles determined by how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than those that get driven frequently. An improperly rated 6 Series may be costing you. Double check that your vehicle rating shows the correct driver usage, because improper ratings can cost you money.
  • Additional coverages that may be costing you – Insurance policies have a lot of extra coverages that can add up if you aren’t careful. Coverages like personal injury protection, accidental death, and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but your money might be better spent on other coverage so remove them and pocket the money.
  • Rates are affected by your address – Residing in less populated areas is a good thing when talking about car insurance. Fewer people means fewer accidents in addition to lower liability claims People in densly populated areas regularly have more road rage incidents and higher rates of accident claims. More time behind the wheel means a statistically higher chance of an accident.
  • Gender matters – Over the last 30 years, statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Men and women have at-fault accidents at about the same rate, but the males have accidents that have higher claims. Not only that, but men also get ticketed for serious violations such as reckless driving. Youthful male drivers have the highest risk to insure and thus pay the highest rates.
  • Five star NHTSA crash test rating saves money – Cars with five star safety ratings can get you lower premiums. Vehicles built for safety protect occupants better and better occupant protection means less money paid by your insurance company which can mean better rates for you. If the BMW 6 Series has ratings of a minimum four stars on or an “acceptable” rating on you may pay a lower rate.

How to know if you need help

When buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining whether or not you will benefit from professional help.

  • Where can I find DUI or SR-22 insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my ex-spouse still covered by my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Is business property covered if stolen from my car?
  • How do I buy GAP insurance?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage information

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as pain medications, prosthetic devices, rehabilitation expenses and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage


Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as court costs, bail bonds, repair costs for stationary objects, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, fire damage, damage from getting keyed and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance covers damage to your 6 Series from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch, hitting a parking meter, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

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

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In Summary

Some insurance companies may not offer rates over the internet small insurance companies sell through independent insurance agencies. More affordable auto insurance is available online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates.

You just read many tips how you can lower your 2013 BMW 6 Series insurance prices. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

Much more information about auto insurance can be found at the links below