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 6, 2015

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Drivers have options when trying to find the lowest priced BMW X1 insurance. They can either spend hours contacting agents to compare prices or leverage the internet to make rate comparisons.

There are more efficient ways to compare insurance rates and you need to know the quickest way to price shop coverage for a new or used BMW and get the lowest price from both online companies and local agents.

You should make it a habit to shop coverage around once or twice a year because insurance prices change frequently. If you had the lowest rates for X1 insurance six months ago you can probably find a lower rate today. Block out anything you think you know about insurance because you’re going to learn the tricks you need to know to find lower rates on insurance.

Cheaper insurance quotes with discounts

The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but once in a while a discount must be asked about in order for you to get them.

  • Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
  • Discounts for Multiple Vehicles – Having primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
  • Military Deployment Discount – Being on active deployment in the military may lower your insurance rates slightly.
  • Discount for Life Insurance – Select insurance companies reward you with lower insurancerates if you buy a life insurance policy as well.
  • Sign Online – A few larger online companies give back up to $50 for signing up online.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings up to 30%.

As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. So even though you would think all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount will bring down the cost of coverage.

Large insurance companies and a partial list of their discounts are outlined below.

  • Progressive may include discounts for good student, multi-policy, continuous coverage, online quote discount, online signing, homeowner, and multi-vehicle.
  • AAA includes discounts for multi-policy, education and occupation, good driver, good student, and AAA membership discount.
  • Farmers Insurance offers discounts including alternative fuel, business and professional, pay in full, early shopping, youthful driver, multi-car, and homeowner.
  • GEICO has savings for anti-lock brakes, good student, five-year accident-free, daytime running lights, air bags, seat belt use, and multi-vehicle.
  • Esurance may have discounts that include multi-car, good student, good driver, claim free, DriveSense, Switch & Save, and online shopper.
  • SAFECO policyholders can earn discounts including teen safe driver, homeowner, teen safety rewards, anti-theft, anti-lock brakes, accident prevention training, and drive less.
  • State Farm discounts include passive restraint, safe vehicle, multiple autos, good student, good driver, and multiple policy.

It’s a good idea to ask every insurance company the best way to save money. Discounts may not apply to policyholders in your area. To see a list of insurers that offer many of these discounts, click this link.

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

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Where can I get cheap auto insurance?

Cutting your auto insurance rates is an easy way to save money. All that’s required is to spend a few minutes on the computer getting comparison quotes from different insurance companies. This can be done in several different ways.

  • If you’re in a hurry, the quickest way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quotation requests for each company. A single, simple form compares rates direct from many companies. It’s the fastest way to compare.
  • Another way to analyze rates is going to the website of each company and fill out a new quote form. For sake of this example, let’s assume you want to get rates from Auto-Owners, Liberty Mutual and State Farm. You would be required to take the time to go to each site and type in your information over and over, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.
  • The least efficient and most time consuming way to compare price estimates is actually driving to different agent offices. Shopping for auto insurance online eliminates this option unless you’re the type of person who wants the professional advice only provided by licensed agents. If you prefer, some companies allow you to comparison shop online and get advice from an agent in your area.

Whichever way you use, make absolute certain that you use nearly identical quote information on every quote. If you use different limits and deductibles on each one it will be nearly impossible to make a fair comparison for your BMW X1.

Tailor your car insurance coverage to you

When choosing coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • Should I buy more coverage than the required minimum liability coverage?
  • Am I insured when driving a different vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I drive in a foreign country?
  • Are rock chip repairs covered?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does car insurance cover theft of personal property?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverages explained

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your 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 a good idea. Normally these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, hitting a deer, hitting a bird, a broken windshield and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills such as funeral costs, surgery, nursing services and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like attorney fees, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision protection

Collision coverage covers damage to your X1 resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, hitting a mailbox, backing into a parked car, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher 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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Smart consumers save more

Budget-friendly insurance coverage can be sourced on the web and from local agencies, so you need to quote car insurance with both to have the best selection. Some companies may not provide online rate quotes and usually these smaller providers provide coverage only through local independent agents.

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

Insureds leave their current company for a number of reasons such as delays in paying claims, policy non-renewal, denial of a claim and not issuing a premium refund. Regardless of your reason for switching companies, switching companies is less work than it seems.

More tips and info about insurance coverage is located at these sites: