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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Searching for lower car insurance rates for your BMW ActiveHybrid 5? Frustrated by the crazy number of car insurance sources available to you? drivers have such a vast assortment of sources available that it can turn into a difficult challenge to find lower premium rates.

Buying car insurance is not rocket science. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. But consumers should learn how insurance companies market on the web.

The easiest way to compare car insurance rates is to realize most of the bigger providers participate in online systems to compare rate quotes. To begin a comparison, all you need to do is provide a little information including whether or not you need a SR-22, if you have a valid license, marital status, and whether your vehicle is owned or leased. The data is submitted instantly to multiple different insurance companies and you will get price comparisons almost instantly.

To start a rate quote now, click here then complete the form.

Big brands don’t always mean big savings

Well-known auto insurance companies like State Farm, Allstate and GEICO continually stream ads in print and on television. They all seem to try to convey promises that you’ll save big just by moving your auto insurance policy to them. How does each company make the same claim? It’s all in how they say it.

All the different companies quote their cheapest rates for a prospective insured that will be a good risk. An example of a preferred risk could possibly be over the age of 45, has a clean driving record, and chooses high deductibles. Any customer who matches that profile will qualify for the lowest rates and have a good chance to save when switching.

Consumers who don’t meet those criteria will probably have to pay a higher rate with the end result being the prospect going elsewhere. If you pay close attention to the ads, they say “drivers that switch” but not “everyone who gets a quote” save that much. This is how insurance companies can confidently advertise the way they do. This emphasizes why you should get a wide range of price quotes. It’s just too difficult to predict with any certainty which company will have the lowest rate quotes.

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

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Get affordable rates by applying discounts

Auto insurance companies don’t list every policy discount in a way that’s easy to find, so the below list has a few of the more well known and also the lesser-known credits available to lower your premiums when you buy auto insurance online.

  • Savings for New Vehicles – Buying coverage on a new vehicle can be considerably cheaper since new model year vehicles have better safety ratings.
  • Mature Driver Discount – If you qualify as a senior citizen, you may qualify for a slight reduction on a auto insurance quote on ActiveHybrid 5 coverage.
  • Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Driver Training Discounts – Successfully completing a driver safety class can save you 5% or more and make you a better driver.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts as much as 30%.

You should keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way.

Car insurance companies that possibly offer many of the previously listed discounts may include but are not limited to:

When getting free auto insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Some discounts listed above may not be offered in every state. To see a list of insurance companies with discount rates, click this link.

Your insurance coverage should be tailored to you

When choosing adequate coverage, there isn’t really a perfect coverage plan. Each situation is unique.

For instance, these questions might help in determining whether you may require specific advice.

  • Exactly who is provided coverage by my policy?
  • What if I don’t agree with a claim settlement offer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Which is better, split liability limits or combined limits?
  • Does my insurance cover a custom paint job?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage considerations

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like hospital visits, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This covers damage to your ActiveHybrid 5 from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, rolling your car, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your BMW ActiveHybrid 5.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as medical expenses, pain and suffering, structural damage, funeral expenses and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

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

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Save your hard earned cash

We covered a lot of information how to get a better price on 2014 BMW ActiveHybrid 5 insurance. The key concept to understand is the more you quote auto insurance, the better likelihood of getting cheap auto insurance. You may even discover the best price on insurance is with an unexpected company.

Lower-priced 2014 BMW ActiveHybrid 5 insurance is possible on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not have price quotes online and these smaller providers work with independent agents.

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

More detailed insurance information can be read by following these links: