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 20, 2018

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Searching for low-cost insurance for your BMW 4 Series could be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to find auto insurance online so we’re going to tell you the quickest way to compare rates for a new or used BMW and find the lowest possible price either online or from local insurance agents.

You should make it a habit to get comparison quotes on a regular basis because auto insurance prices fluctuate regularly. Just because you had the lowest price for 4 Series coverage six months ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you’re about to find out one of the quickest ways to find great coverage at a great price.

How you can control BMW 4 Series insurance costs

When buying car insurance it’s important to understand the factors that play a part in calculating your premiums. If you know what controls the rates you pay, this helps enable you to make changes that can help you get cheaper rates.

Listed below are some of the factors that factor into premiums.

  • Pay more out-of-pocket – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your BMW from damage. A few examples of covered claims could be collision with another vehicle, flood damage, and having your car stolen. Physical damage deductibles state the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The larger the amount you’re willing to pay, the less your car insurance will be for 4 Series coverage.
  • Decrease car insurance rates by maintaining coverage – Driving without insurance coverage in place is a big no-no and companies may charge more for letting your coverage cancel without a new policy in place. And not only will insurance be more expensive, not being able to provide proof of insurance will get you fines and jail time. You may then have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Does auto insurance cost less for women? – Statistics show that women are safer drivers than men. However, this does not mean females are better at driving than males. Females and males are in auto accidents in similar numbers, but guys have accidents that have higher claims. Men also get ticketed for serious violations like driving under the influence (DUI).
  • Safety ratings are a factor – Vehicles with good safety scores can get you lower premiums. These vehicles reduce injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If your BMW 4 Series has ratings of a minimum four stars on you may be receiving a better rate.
  • Married drivers get better prices – Walking down the aisle helps lower the price compared to being single. Marriage generally demonstrates drivers are more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Tickets and citations cost more than a fine – How you drive can have a huge impact on auto insurance premiums. Getting just one speeding ticket can increase rates forty percent or more. Drivers with clean records have lower premiums than bad drivers. People who have careless violations like DUI, reckless driving or excessive speeding may be required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Better credit means lower rates – Having a bad credit score is likely to be a major factor in determining what you pay for car insurance. Therefore, if your credit rating is lower than you’d like, you could pay less to insure your 2014 BMW 4 Series by improving your rating. Insureds that have high credit ratings tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings.
  • City dwellers may pay more – Residing in less populated areas is a positive aspect when insuring your vehicles. Lower population means reduced accidents and lower theft and vandalism rates. Drivers who live in large cities regularly have more aggressive driving styles and longer commute times. Higher commute times means more chances of being involved in an auto accident.

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

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Compare quotes for auto insurance

Most companies such as State Farm, GEICO and Progressive allow you to get coverage price quotes on the web. Doing online price comparisons is pretty painless as you just enter the coverage amounts you desire into a form. After you complete the form, their system gets credit information and your driving record and generates a price based on the data you entered.

Online quotes makes it simple to compare prices but the process of having to visit multiple sites and type in the same information is not the best way to spend an afternoon. But it’s also necessary to perform this step if you want to find better prices.

There is an easier way to compare rates

The easiest way to locate the lowest prices utilizes a single form that obtains quotes from many companies. The form is fast, eliminates repetitive work, and makes comparison shopping much more efficient. As soon as you send your information, it gets priced and you can select any of the quote results. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It can be completed in a matter of minutes and you will know how your current rates stack up.

To find out how much you can save on auto insurance, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you type in the limits and deductibles just like they are on your policy. This guarantees you will be getting a rate comparison based on similar coverages.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but you may be missing some discounts that can help lower your rates. Some trigger automatically when you get a quote, but a few must be asked for before they will apply. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.

  • Senior Citizens – Drivers that qualify as senior citizens may be able to get lower premium rates for 4 Series coverage.
  • Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
  • New Car Discount – Putting insurance on a new car can get you a discount due to better safety requirements for newer vehicles.
  • Defensive Driver Discounts – Taking time to complete a course in defensive driver may get you a small discount and easily pay for the cost of the class.
  • One Accident Forgiven – but certain companies will allow you to have one accident without raising rates if you have no claims for a particular time prior to the accident.
  • Payment Discounts – By paying your policy upfront rather than paying in monthly installments you could save up to 5%.
  • Home Ownership Discount – Just being a homeowner can get you a discount since home ownership is proof that your finances are in order.
  • Discount for Life Insurance – Select companies reward you with a discounted rate on car insurance if you buy life insurance.

Policy discounts save money, but most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

If you would like to view insurers that have a full spectrum of discounts, click here.

Don’t assume everyone needs the same insurance coverage

When buying coverage, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions may help you determine whether or not you will benefit from professional help.

  • Should I drop comprehensive coverage on older vehicles?
  • Are my friends covered when driving my car?
  • Does medical payments coverage apply to all occupants?
  • Can I afford to buy a different vehicle if my 2014 BMW 4 Series is totaled?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving on a suspended license?
  • Do I need roadside assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will my insurance pay for OEM parts?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

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

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Car insurance coverage information

Understanding the coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability coverages

This can cover damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, medical expenses and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses for dental work, chiropractic care, surgery, doctor visits and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, theft, fire damage, rock chips in glass and vandalism. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 BMW 4 Series.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

This pays for damage to your 4 Series resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Never pay more for less

We just showed you a lot of ways to get a better price on 2014 BMW 4 Series insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding cheap car insurance. You may even discover the best price on auto insurance is with the smaller companies.

Insureds switch companies for many reasons like high prices, questionable increases in premium, an unsatisfactory settlement offer or high rates after DUI convictions. It doesn’t matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

When you buy car insurance online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

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