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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Trying to find cheaper auto insurance rates for your BMW 2 Series? Finding low cost car insurance might seem complicated at first if you have never used online price quotes. Don’t let the process intimidate you because using the internet to shop for auto insurance is actually quite easy.

If you have car insurance now, you will be able to save some money using these methods. Buying affordable auto insurance is simple if you know the tricks. But consumers must comprehend how big insurance companies price insurance differently and apply this information to your search.

The most recommended method to compare policy rates is to understand all the major auto insurance companies pay for the opportunity to compare rate quotes. To start a quote, the only thing you need to do is provide information including if you have an active license, marital status, how you use your vehicles, and if the vehicle is leased. Those rating factors is then submitted to many of the top insurers and they respond with quotes almost instantly.

If you would like to compare rates now, click here and complete the quick form.

Insurance policy discounts you can’t miss

Companies don’t always publicize every policy discount very well, so the next list breaks down a few of the more common and the harder-to-find discounts that may be available.

  • Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote as opposed to frequent claim filers.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles on one policy qualifies for this discount.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will help reduce the premium cost.

To view companies that offer the discounts shown above, follow this link.

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

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Insurance agents can help

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Do I need roadside assistance coverage?
  • Why is insurance for a teen driver so high?
  • Is rental equipment covered for theft or damage?
  • How much liability insurance is required?
  • What happens if I owe more than my 2014 BMW 2 Series is worth?
  • Is upholstery damage covered by car insurance?
  • Is my ex-spouse still covered by my policy?
  • Do I have coverage if my license is suspended?
  • Do I need to file an SR-22 for a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Informed decisions result in lower insurance costs

The best way to find cheaper auto insurance is to take a look at the different types of things that help determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs. Lots of factors are considered when pricing auto insurance. Some are obvious such as your driving history, but other factors are less obvious such as your credit history or your financial responsibility.

The list below includes some of the most common factors utilized by car insurance companies to help set your rate level.

  • Men drivers tend to cost more – Statistics show females are less aggressive when driving. This data doesn’t prove that males are worse at driving than females. Both sexes cause at-fault accidents in similar percentages, but men have costlier accidents. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).
  • Increase comp and collision deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your BMW. Some examples of covered claims would be a dented fender, hitting a deer, or theft. The deductibles state the amount of money you are required to spend if the claim is covered. The more damage repair cost the insured is willing to pay, the less your auto insurance will be on 2 Series insurance.
  • lapses raise prices – Allowing your auto insurance policy to lapse is a quick way to increase your auto insurance rates. Not only will rates go up, failure to provide proof of insurance will get you a fine, jail time, or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Frequent policy claims increase auto insurance rates – If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Insurance companies provide cheaper rates to people who do not file claims often. Your insurance policy is intended for the large, substantial claims.
  • Buy a safe car and pay less – Safe vehicles get lower rates. The safest vehicles reduce the chance of injuries and lower injury rates translates into fewer and smaller insurance claims which can mean better rates for you. If your BMW 2 Series is rated at least four stars on you may pay a lower rate.

Big brands don’t always mean big savings

Popular insurance coverage providers such as State Farm and Allstate constantly bombard you with television, radio, and online ads. They all seem to advertise the message that people will save after switching your coverage. How does every insurance coverage company lower your car insurance rates? This is the trick they use.

Different companies can use profiling for the driver that is profitable for them. A good example of this type of driver may need to be a married female, is a homeowner, and drives a vehicle with a low ISO rating. Any driver who meets those qualifications will get very good premium rates and have a good chance to save if they switch.

Potential insureds who don’t meet the “perfect” profile will probably have to pay a higher rate with the end result being the customer not buying. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can advertise the way they do.

Because of the profiling, drivers must get price quotes at each policy renewal. You cannot predict which insurance companies will have the best premium rates for your profile.

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

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Detailed coverages of your car insurance policy

Knowing the specifics of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: 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 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like pain and suffering, attorney fees, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for surgery, dental work, funeral costs and X-ray expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive car insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, hail damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

A penny earned…

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

People switch companies for a number of reasons such as extreme rates for teen drivers, poor customer service, questionable increases in premium and even delays in responding to claim requests. Regardless of your reason for switching companies, finding a new car insurance company can be easy and end up saving you some money.

The cheapest 2014 BMW 2 Series insurance is possible online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not have rate quotes online and these small, regional companies only sell through independent agencies.

Additional detailed information can be found by following these links: