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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Trying to find better auto insurance rates for your BMW X6 M? Searching for better insurance prices for a new or used BMW X6 M could be a lot of work, but you can use these tips to find lower rates.

There is a better way to find auto insurance online so we’re going to tell you the best way to get price quotes for a BMW and locate the cheapest rates from local insurance agents and online providers.

If you have insurance now or need new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Finding cheaper insurance coverage coverage can be fairly easy. Drivers just need to know the most effective way to get comparison quotes on the web.

First Step: Get free car insurance quotes

Shopping for lower car insurance rates can take time and effort if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking to agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies belong to an insurance system where insurance shoppers send in one quote, and every company provides a quote based on that information. This system prevents you from having to do quote forms for each company you want a rate for. To access this free quoting program, click here to start a free quote.

The one disadvantage to pricing coverage this way is that you can’t choose the providers you want pricing from. So if you want to select individual companies for rate comparison, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but do your best to enter nearly identical coverage data on every quote you get. If you are comparing unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best.

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

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Get cheap insurance costs by understanding these factors

A large part of saving on insurance is knowing some of the elements that aid in calculating your insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

  • Reserve insurance claims for larger damages – If you are the type of insured that files lots of claims you can definitely plan on either higher rates or even cancellation. Car insurance companies provide the best rates to insureds who only file infrequent claims. Your insurance policy is designed for the large, substantial claims.
  • Companies want multiple policies – Many insurance companies give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount it’s always a smart idea to compare other company rates to verify if the discount is saving money. Drivers may still save money by splitting coverages up.
  • Is insurance cheaper for men or women? – Over the last 30 years, statistics show that women are safer drivers than men. However, this does not mean females are better at driving than males. Both sexes are responsible for at-fault accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • Do you need those extra policy coverages? – Insurance companies have many optional add-on coverages that you can get tricked into buying if you aren’t careful. Things like rental car coverage, accidental death, and membership fees are examples of these. You may think they are a good idea at first, but if you don’t need them remove them and pocket the money.
  • Lower insurance rates with uninterrupted coverage – Allowing your insurance policy to lapse can be a guaranteed way to drive up your policy premiums. Not only will rates go up, not being able to provide proof of insurance will get you a fine, jail time, or a revoked license. You may then have to file a SR-22 with your state DMV.

Cheap insurance rates with discounts

Some insurers don’t always publicize every possible discount very clearly, so the list below contains a few of the more common and also the more inconspicuous discounts that you may qualify for. If you do not double check each discount you deserve, you’re paying more than you need to.

  • Buy New and Save – Buying a new car instead of a used car can save up to 30% because new model year vehicles have to meet stringent safety requirements.
  • Payment Method – If you can afford to pay the entire bill instead of making monthly payments you can avoid monthly service charges.
  • Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.
  • Auto/Home Discount – If you can combine your auto and home policy with the same company you could earn a discount of nearly 15% which can help you find cheap auto insurance.
  • Good Driver Discount – Safe drivers can pay as much as 50% less for X6 M insurance than drivers with accident claims.
  • Multi-line Discount – Insurance companies who offer life insurance give a discounted insurance rate on car insurance if you buy auto and life insurance together.
  • Clubs and Organizations – Joining a professional or civic organization could qualify you for a break on your bill.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • No Accidents – Good drivers with no accidents can earn big discounts compared to accident-prone drivers.

You can save money using discounts, but some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Large insurance companies and their offered discounts can be read below.

  • American Family includes discounts for bundled insurance, mySafetyValet, Steer into Savings, TimeAway discount, and multi-vehicle.
  • Nationwide discounts include good student, anti-theft, family plan, defensive driving, multi-policy, and business or organization.
  • MetLife may have discounts that include defensive driver, good driver, accident-free, claim-free, good student, and multi-policy.
  • 21st Century policyholders can earn discounts including good student, student driver, anti-lock brakes, theft prevention, teen driver, and homeowners.
  • Farmers Insurance may offer discounts for switch companies, homeowner, pay in full, business and professional, bundle discounts, and mature driver.
  • Allstate offers discounts for EZ pay plan discount, auto/life discount, good payer, FullPay discount, economy car, and 55 and retired.

It’s a good idea to ask every prospective company to apply every possible discount. A few discounts might not apply in your area. For a list of insurance companies that offer the discounts shown above, click here to view.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • What is medical payments coverage?
  • Is my BMW X6 M covered if I use it for business?
  • Am I better off with higher deductibles on my 2014 BMW X6 M?
  • How high should deductibles be on a 2014 BMW X6 M?
  • Should I buy additional glass protection?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

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

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Specifics of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, a tree branch falling on your vehicle, falling objects, damage from flooding and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, 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 X6 M resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, rolling your car, crashing into a ditch, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your BMW X6 M.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Liability coverage

This coverage will cover damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, pain and suffering, medical services, bail bonds and loss of income. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as dental work, doctor visits, EMT expenses, pain medications and X-ray expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

The best insurance company isn’t always the cheapest

There are still a few companies who do not offer the ability to get quotes online and usually these smaller providers only sell through independent agencies. Affordable 2014 BMW X6 M insurance can be purchased online and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture.

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. There are many occasions where consumers will sacrifice physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

Drivers change insurance companies for any number of reasons including delays in paying claims, delays in responding to claim requests, lack of trust in their agent and denial of a claim. It doesn’t matter what your reason, finding the right insurance coverage provider is not as hard as you think.

More tips and info about insurance coverage can be found in the articles below: