2014 BMW X6 Car Insurance Quotes

Looking for better insurance rates for your BMW X6? Expensive insurance can empty your bank account and put the squeeze on your family’s finances.

Online insurance companies like State Farm and GEICO all promote huge savings with ads and consumers find it hard to see past the geckos and flying pigs and find the best price available.

The best way to compare policy rates is to know all the major auto insurance companies have advanced systems to quote your coverage. To start a quote, the only thing you need to do is give them some information including your general credit rating, if the vehicle is leased, whether you drive to work or school, and if a SR-22 is required. That information gets transmitted to insurance companies and you receive quotes instantly to find the best rate.

To check 2014 BMW X6 insurance prices now, click here and find out if you can get cheaper insurance.

Cheaper car insurance rates with discounts

Car insurance can cost a lot, but there are discounts available that can dramatically reduce your bill. Some of these disounts will be visible at quote time, but some may not be applied and must be requested specifically before you get the savings.

  • Seat Belts Save – Forcing all vehicle occupants to wear their seat belts can save up to 15% off PIP or medical payments premium.
  • Government Employee Discount – Federal government employees could qualify for a slight premium decrease on X6 coverage with certain companies.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course in high school.
  • Safe Driver Discount – Accident-free drivers can save as much as half off their rates on X6 coverage than drivers with accident claims.
  • Active Service Discounts – Being on active deployment in the military could trigger a small discount.
  • Theft Deterent System – Cars and trucks with anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Driving Data Discount – Insureds that choose to allow their company to spy on when and where they use their vehicle by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if their driving habits are good.

As a sidenote, most credits do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, that’s just not realistic. Any qualifying discounts should help lower the cost of your policy.

If you would like to choose from a list of car insurance companies who offer online car insurance quotes, click here.

Choices you make can impact your insurance prices

Lots of things are considered when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but some are more transparent like where you live and annual miles driven.

  • Safety ratings are a factor – Safer cars get lower rates. Highly rated vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies which can result in lower premiums. If your BMW X6 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • No policy lapses lowers car insurance rates – Letting your insurance expire is a quick way to bump up your car insurance costs. In addition to paying higher rates, failure to provide proof of insurance might get you a fine, jail time, or a revoked license.
  • Job stress can affect car insurance rates – Jobs like doctors, architects and miners tend to have the highest average rates due to intense work requirements and lengthy work days. Conversely, occupations such as scientists, students and retirees receive lower rates on X6 coverage.
  • Get better costs after the wedding – Getting married may earn you lower rates when shopping for car insurance. Marriage translates into being more mature and responsible and insurance companies reward insureds because being married results in fewer claims.
  • Are women or men drivers cheaper? – Statistics show women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Women and men get in fender benders in similar percentages, but the males have accidents that have higher claims. In addition to higher claims, males also get higher numbers of serious violations such as DWI and reckless driving.
  • Long commutes cost more – The more you drive each year the more you will pay for car insurance. Almost all companies calculate rates based upon how you use the vehicle. Autos that sit idle most of the time can get a lower rate as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your car insurance policy reflects the proper vehicle usage, because it can save money. Improper usage on your X6 is just wasting money.
  • Teenage drivers are expensive to insure – Mature drivers tend to be more responsible, are lower risk to insure and receive fewer citations.Inexperience drivers are statistically shown to be inattentive and easily distracted in a vehicle so car insurance rates are higher.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • How high should my medical payments coverage be?
  • Should I buy only the required minimum liability coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need roadside assistance coverage?
  • When would I need rental car insurance?
  • What is the difference between comprehensive and collision coverage?
  • When would I need additional glass coverage?
  • Is my teenager covered with friends in the car?

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 agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Don’t be fooled by advertising claims

Respected companies like Allstate, GEICO and Progressive endlessly run television, radio, and online ads. They all seem to make the point of big savings after switching your policy. How does every company make the same claim? You have to listen carefully.

Auto insurance companies quote their best rates for the driver that will generate a profit. A good example of this type of driver could possibly be a married female, carries full coverage, and drives less than 10,000 miles a year. Someone that meets those criteria gets the lowest car insurance rates and therefore will save when switching.

Insureds who don’t qualify for those standards will be quoted more expensive rates which usually ends up with the customer buying from someone else. Company advertisements say “customers who switch” not “everyone who quotes” will save that much if they switch. That is how companies can truthfully make those claims.

This illustrates why you absolutely need to get as many free insurance coverage quotes as possible. It’s just too difficult to predict which auto insurance company will provide the lowest prices.

Auto insurance policy coverages for a BMW X6

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Liability

Liability insurance will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against claims from 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. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, pain and suffering, medical expenses, loss of income and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for X-ray expenses, EMT expenses, rehabilitation expenses, doctor visits and hospital visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, damage from flooding, theft and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays for damage to your X6 from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole, rolling your car 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. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your BMW X6.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are identical to your policy’s liability coverage.

Have the Midas touch

In this article, we presented a lot of techniques to get a better price on 2014 BMW X6 insurance. It’s most important to understand that the more price quotes you have, the better likelihood of getting inexpensive insurance coverage. Consumers may even find the best price on insurance coverage is with a lesser-known regional company. These smaller insurers may only write in your state and offer lower car insurance rates than their larger competitors like Progressive or GEICO.

Some insurance companies may not have online quoting and many times these regional insurance providers work with independent agencies. Lower-priced insurance coverage is available online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates.

Additional insurance coverage information can be found below: