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 cheaper insurance coverage rates? Consumers have many options when looking for the lowest priced BMW X1 insurance. They can either spend hours calling around to compare prices or utilize the internet to find the lowest rates.

There is a right way and a wrong way to find insurance coverage online so you’re going to learn the proper way to quote coverages for your BMW and obtain the lowest price.

Consumers need to check insurance coverage prices as often as possible because insurance coverage prices are rarely the same from one policy term to another. Even if you got the best rates on X1 coverage last year there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the best methods to reduce your cost while improving coverage.

If you are insured now or are shopping for new coverage, you can follow these tips to find better prices and possibly find even better coverage. The purpose of this post is to let you in on the best way to quote coverages and some money-saving tips. Vehicle owners just need to learn how to get comparison rates over the internet.

Informed drivers know how to quote auto insurance more affordably

Many factors are used when pricing auto insurance. Some are pretty understandable like your driving record, although some other factors are not as apparent like your continuous coverage or your financial responsibility.

  • Put fewer miles on your vehicle – The more you drive annually the more you will pay for auto insurance. A lot of companies charge to insure your cars based upon how much you drive. Autos used primarily for pleasure use can get a lower rate than cars that get driven a lot. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your X1 can cost quite a bit.
  • Youthful driver insurance premiums – Drivers with little experience are proven to get distracted easily when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Having to add a teenage driver onto a policy can increase premiums substantially. Older insureds are proven to be safer behind the wheel, are lower risk to insure and are safer drivers.
  • What are your comp and collision deductibles? – The deductibles you choose are how much you are required to pay before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, hail damage, and having a roll-over accident. The more damage repair cost you have to pay, the lower your rates will be on X1 coverage.
  • Stress out and pay more – Occupational choices like doctorsair traffic controllers and dentists usually pay the highest average rates in part from job stress and lengthy work days. On the other hand, careers such as scientists, athletes and homemakers receive lower rates on X1 coverage.

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Insurance policy discounts you can’t miss

Properly insuring your vehicles can get expensive, but companies offer discounts to cut the cost considerably. Many discounts should be triggered at quote time, but a few must be asked about before you will receive the discount. If you do not check that you are getting every discount possible, you’re just leaving money on the table.

  • Waiver for an Accident – Not really a discount, but companies like State Farm and Allstate permit an accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
  • Professional Organizations – Being a member of certain professional organizations could qualify you for a break when shopping for insurance.
  • Drive Less and Save – Low annual miles could qualify for substantially lower prices.
  • Paper-free Discount – A few larger online companies provide a small discount for signing up on your computer.
  • Employee of Federal Government – Simply working for the federal government may reduce rates when you quote insurance coverage on X1 coverage depending on your insurance provider.

Don’t be surprised that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you can get free auto insurance, you aren’t that lucky. But any discount will help lower your overall premium however.

A list of companies and a selection of discounts are shown below.

  • American Family offers discounts including bundled insurance, mySafetyValet, multi-vehicle, good student, early bird, and good driver.
  • Farm Bureau policyholders can earn discounts including safe driver, good student, driver training, multi-policy, 55 and retired, youthful driver, and renewal discount.
  • State Farm offers premium reductions for safe vehicle, driver’s education, multiple policy, student away at school, and passive restraint.
  • Travelers includes discounts for good student, driver training, hybrid/electric vehicle, save driver, multi-policy, new car, and continuous insurance.
  • The Hartford discounts include vehicle fuel type, driver training, air bag, anti-theft, good student, and defensive driver.
  • GEICO offers discounts for emergency military deployment, federal employee, air bags, multi-vehicle, membership and employees, and defensive driver.
  • Progressive may offer discounts for online signing, multi-policy, continuous coverage, homeowner, good student, multi-vehicle, and online quote discount.

If you need lower rates, check with all the companies which discounts can lower your rates. Savings might not be offered in your area. To see a list of insurers that offer some of these discounts, click here.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether your personal situation could use an agent’s help.

  • What if I owe more than I can insure my car for?
  • Does my policy pay for OEM or aftermarket parts?
  • Is there coverage for injuries to my pets?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • What are the best liability limits?
  • Are my friends covered when driving my 2014 BMW X1?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Coverage specifics

Understanding the coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like rehabilitation expenses, hospital visits, ambulance fees and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This will pay to fix damage to your X1 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability coverages

This coverage protects you from damage that occurs to other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as medical expenses, repair bills for other people’s vehicles, pain and suffering, emergency aid and loss of income. How much coverage you buy is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your BMW X1.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, fire damage and vandalism. The maximum payout 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 it’s not worth carrying full coverage.

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Buy online or local, you save

There are still a few companies who may not provide price quotes online and usually these small, regional companies work with independent insurance agencies. The cheapest 2014 BMW X1 insurance can be sourced online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection.

We’ve covered a lot of ways to compare 2014 BMW X1 insurance prices online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies.

As you quote insurance coverage, don’t be tempted to buy poor coverage just to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Additional auto insurance information can be read at the links below