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 5, 2015

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Locating low-cost insurance for your BMW ALPINA B7 can turn out to be an all-consuming task, but you can learn our insurance buying tips to save time. There are more efficient ways to compare insurance rates so you’re going to learn the quickest way to compare rates for your BMW and find the lowest possible price from both online companies and local agents.

It’s a good idea to shop coverage around at least once a year since prices are adjusted regularly by insurance companies. Just because you had the best price for ALPINA B7 insurance a few years ago you may be paying too much now. Block out anything you think you know about insurance because you’re about to learn the fastest way to find great coverage at a great price.

How much does car insurance cost?

Most larger insurance companies allow you to get coverage price quotes directly from their websites. Comparing prices online is quite easy as all you need to do is type in the amount of coverage you want into a form. After the form is submitted, their system automatically retrieves your driving and credit reports and generates pricing information based on the data you entered.

Online quotes makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively complete many quote forms is not the best way to spend an afternoon. But it’s also necessary to perform this step if you are searching for lower prices.

There is a better way to compare rates

A more efficient way to lower your car insurance bill uses one form to return rates from several companies at one time. The form is fast, requires less work, and makes online quotes much more enjoyable. After your information is entered, it gets priced with multiple companies and you can pick any one of the quotes returned. If you find a better price you simply finish the application and purchase the new policy. It takes just a few minutes to complete and can result in significant savings.

To quickly find out how much you’re overpaying now, click here and complete the simple form. If you have a policy now, it’s recommended you replicate the coverages identical to your current policy. Doing this guarantees you are getting rate quotes for the exact same coverage.

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

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Are you falling for claims of savings?

Drivers get pounded daily by advertisements that promise big savings from companies such as State Farm, GEICO and Progressive. They all seem to advertise the message that drivers will save a bundle just by moving your policy.

But how can every company lower your rates? It’s all in the words they use.

Insurance providers give the best rates for the type of driver they prefer to insure. For instance, a profitable insured may be between 25 and 40, carries full coverage, and has excellent credit. Any customer who fits that profile will get the preferred car insurance rates and will save quite a bit of money when switching.

Insureds who are not a match for these standards will get a higher premium which results in the prospect going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that much when switching. That’s why companies can make claims that they all have the best premium rates. Each company has different criteria, so you really should get price quotes at each policy renewal. It’s impossible to know which company will give you the biggest savings.

These six discounts can slash auto insurance rates

Auto insurance can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but some discounts are required to be inquired about prior to receiving the credit.

  • Senior Citizen Rates – If you’re over the age of 55, you are able to get a slight reduction on a insurance coverage quote for ALPINA B7 insurance.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for ALPINA B7 insurance compared to accident prone drivers.
  • Discount for Low Mileage – Low annual miles may enable drivers to earn better rates on cars that stay parked.
  • Organization Discounts – Having an affiliation with certain professional organizations may earn a discount when getting a insurance coverage quote.
  • Discount for Life Insurance – Select insurance companies reward you with a lower auto insurance rate if you buy some life insurance in addition to your auto policy.
  • Driver Training Discounts – Completing a safe driver course could earn you a small percentage discount and easily recoup the cost of the course.

You can save money using discounts, but most discount credits are not given to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that possibly offer these benefits include:

When quoting, ask all companies you are considering what discounts are available to you. All car insurance discounts may not be offered in every state. To see auto insurance companies with discount rates, click this link.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

  • Is my camper covered by my car insurance policy?
  • Am I covered if I wreck a rental car?
  • Am I better off with higher deductibles on my 2014 BMW ALPINA B7?
  • What companies insure drivers after a DUI or DWI?
  • What discounts do I qualify for?
  • What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short 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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Specific coverage details

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like surgery, X-ray expenses, prosthetic devices, dental work and funeral costs. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, theft and hitting a bird. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage will pay to fix damage to your ALPINA B7 caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, crashing into a building, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like repair bills for other people’s vehicles, court costs and medical services. How much coverage you buy is up to you, but you should buy higher limits if possible.

Quote more. Save more.

In this article, we covered many ways to lower your 2014 BMW ALPINA B7 insurance premium rates. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the best premium rates are with a small mutual company.

Drivers change insurance companies for any number of reasons including high rates after DUI convictions, policy non-renewal, poor customer service and even questionable increases in premium. Regardless of your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

Affordable 2014 BMW ALPINA B7 insurance can be purchased from both online companies in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online rate quotes and usually these smaller companies only sell coverage through independent agents.

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