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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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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Finding the cheapest insurance for a BMW ActiveHybrid 7 can normally be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to compare insurance rates and we’ll show you the quickest way to price shop coverage for a new or used BMW and obtain the lowest possible price either online or from local insurance agents.

It’s a good habit to quote other rates every six months due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you got the lowest quotes on ActiveHybrid 7 coverage last year other companies may now be cheaper. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current car insurance policy or need a new policy, you can use these tips to shop for the lowest rates while maximizing coverage. Pricing the best protection can be fairly easy. Consumers only need to know the proper way to compare company rates over the internet.

More discounts mean lower-cost premiums

Insurance is neither fun to buy or cheap, but you may find discounts that many consumers don’t even know exist. A few discounts will automatically apply at the time of purchase, but a few must be asked about before being credited.

  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
  • Renewal Discounts – Some insurance companies give discounts for buying a new policy prior to your current policy expiration. Ten percent is about the average savings.
  • Good Grades Discount – Performing well in school may save you up to 25%. Earning this discount can benefit you well after school through age 25.
  • Driver Training Discounts – Taking time to complete a class that teaches safe driver techniques may get you a small discount and also improve your driving technique.
  • More Vehicles More Savings – Buying coverage for multiple cars with the same company qualifies for this discount.
  • Low Mileage Discounts – Keeping the miles down on your BMW may allow you to get discounted rates on garaged vehicles.
  • Anti-theft System – Cars optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you may save up to 20% and get you low cost insurance coverage.
  • Resident Student – College-age children who attend college more than 100 miles from home and do not take a car to college could qualify for this discount.

Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free insurance policy, it’s just not the way it works.

Auto insurance companies that may include some of the discounts shown above include:

If you want affordable insurance coverage quotes, ask each company or agent which discounts can lower your rates. Some discounts might not be offered on policies in your state. If you would like to choose from a list of insurers that have a full spectrum of discounts, click this link.

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

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First Step: Get free insurance quotes

Finding low cost insurance quotes can be relatively painless. You just have to spend a few minutes on the computer to compare free insurance coverage quotes provided by online insurance companies. You can get a good selection of rate quotes by using one of the methods below.

One of the best ways to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing repetitive form entry for each company you want a rate for. One quote request gets insurance cost estimates from multiple companies. Recommended for those who want to invest the least amount of time.

Another way to find lower rates is spending the time to visit each company website to complete a price quote. For sake of this example, we’ll assume you want comparison quotes from Farmers, Allstate and Liberty Mutual. In order to get each rate, you would have to go to each individual site and enter your policy data, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but be sure you’re using the exact same deductibles and coverage limits for each price quote. If you use unequal deductibles or liability limits it’s impossible to determine the lowest rate for your BMW ActiveHybrid 7.

It’s not one size fits all

When it comes to buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different.

For example, these questions could help you determine whether you could use an agent’s help.

  • What is the rate difference between pleasure use and commuting?
  • Am I getting all the discounts available?
  • Should I waive the damage coverage when renting a car?
  • Am I covered when driving someone else’s vehicle?
  • Is business equipment covered while in my vehicle?
  • At what point should I drop full coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

The coverage is in the details

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability auto insurance

Liability insurance can cover damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, medical expenses, legal defense fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is your choice, but you should buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane, rock chips in glass, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, funeral costs and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, colliding with another moving vehicle, hitting a parking meter, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your BMW ActiveHybrid 7.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

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

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Pennies from heaven

Drivers leave their current company for a number of reasons such as poor customer service, delays in responding to claim requests, policy cancellation and even denial of a claim. It doesn’t matter what your reason, finding the right car insurance provider is easier than you think.

Affordable 2014 BMW ActiveHybrid 7 insurance is possible from both online companies and from local agencies, so you need to shop insurance coverage with both so you have a total pricing picture. A few companies don’t offer the ability to get quotes online and most of the time these smaller providers work with independent agents.

While you’re price shopping online, do not buy less coverage just to save a little money. There have been many cases where drivers have reduced uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Even more information can be found by following these links: