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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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Being forced to pay for pricey auto insurance premiums can deplete your family’s budget and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to lower your bills every month.

Big-name insurance companies like GEICO, Progressive and Allstate constantly bombard you with ads and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

Smart consumers take time to price shop coverage yearly because auto insurance prices change regularly. If you had the best rate on 2 Series insurance six months ago there is a good chance you can find better premium rates now. Block out anything you think you know about auto insurance because you’re about to find out how to quote online to find great coverage at a great price.

If you have a policy now or are just looking to switch companies, you can learn to find the best rates and possibly find even better coverage. Buying car insurance is quite easy. Drivers just need to learn the most efficient way to shop online.

Cheapest auto insurance price quotes

Comparing auto insurance rates can be a lot of work if you aren’t aware of the easiest way. You could spend your day talking to local insurance agents in your area, or you could save time and use online quotes to achieve your goal.

The majority of car insurance companies belong to an insurance system where prospective buyers enter their policy data once, and at least one company then returns a price quote determined by their information. This prevents consumers from doing repetitive form submissions for every auto insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to comparing rates this way is you are unable to specify the providers you want to price. So if you prefer to choose specific insurance companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

Whichever method you choose, ensure you are comparing nearly identical coverages and limits with each company. If your comparisons have higher or lower deductibles then you won’t be able to make a fair rate comparison.

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

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Lower rates by qualifying for discounts

Companies offering auto insurance don’t always list their entire list of discounts very clearly, so the list below gives a summary of a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy insurance online. If you’re not getting every credit you qualify for, you could be getting lower rates.

  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.
  • Claim-Free Discount – Drivers who stay claim-free pay much less in comparison with drivers with a long claim history.
  • Discount for Home Ownership – Owning your own home or condo can get you a discount since owning and maintaining a home requires a higher level of personal finance.
  • Passenger Safety Discount – Options like air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
  • Use Seat Belts – Drivers who require all occupants to buckle up before driving can save a little on the medical payments or PIP coverage costs.
  • Distant College Student Discount – Children who are enrolled in higher education away from home and leave their car at home could get you a discount.
  • Sign Online – A few insurance companies will give a small break for buying a policy and signing up on their website.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with one company can reduce rates for all insured vehicles.

Discounts lower rates, but many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

If you would like to choose from a list of auto insurance companies who offer online auto insurance quotes, follow this link.

Find lower-cost auto insurance with these tips

Many things are considered when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are less obvious such as whether you are married or your financial responsibility.

The factors shown below are just a few of the factors that factor into rates.

  • If you don’t need it don’t buy it – There are many additional coverages you can purchase if you don’t pay attention. Coverages for replacement cost coverage, better glass coverage, and extra life insurance coverage may be costing you every month. The coverages may be enticing when talking to your agent, but your needs may have changed so think about removing them and cutting costs.
  • Limits of liability coverage – The liability coverage on your policy kicks in if you are found liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense which can cost a lot. Liability insurance is quite affordable compared to comp and collision, so buy as much as you can afford.
  • Know your vehicle’s IIHS safety rating – Cars with five star safety ratings tend to have lower insurance rates. The safest vehicles protect occupants better and lower rates of occupant injuries means lower claim amounts and thus lower rates.
  • Pay more if you have a long commute – Choosing to live in less populated areas has definite advantages if you are looking for the lowest rates. Fewer drivers on the road translates into fewer accident claims as well as less vandalism and auto theft. Drivers in populated areas regularly have congested traffic and longer commute times. Higher commute times means more chances of being involved in an auto accident.
  • Bad credit will cost you – Having a bad credit rating can be a huge factor in calculating your premium rate. Insureds that have very high credit ratings tend to be better drivers and file fewer claims than those with bad credit. So if your credit score could use some work, you could save money insuring your 2015 BMW 2 Series if you improve your credit rating.
  • Get better rates if married – Having a spouse actually saves money when buying auto insurance. It is viewed as being more mature and responsible and it’s statistically proven that drivers who are married file infrequent claims.
  • Reserve insurance claims for larger damages – Auto insurance companies provide better rates to people who are not frequent claim filers. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for larger claims.

Auto insurance is unique, just like you

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. These are some specific questions may help highlight if your situation might need professional guidance.

  • Is my cargo covered for damage or theft?
  • How do I insure my teen driver?
  • When should I remove comp and collision on my 2015 BMW 2 Series?
  • When should my teen driver be added to my policy?
  • Is my ex-spouse still covered by my policy?
  • Do I need replacement cost coverage on my 2015 BMW 2 Series?
  • Does liability extend to a camper or trailer?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

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

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Beware of misleading insurance ads

Consumers can’t get away from ads for insurance savings by companies like State Farm, GEICO and Progressive. All the companies state the claim of big savings if you change your insurance coverage to their company.

It sounds good, but how can they all have lower policy pricing? Here is how they do it.

Many companies have underwriting criteria for the type of customer that will not have excessive claims. An example of a profitable customer may need to be between the ages of 30 and 50, has a clear driving record, and has a short commute. A customer getting a price quote who fits those characteristics will probably get cheap prices and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t meet these criteria may receive higher premium rates with the end result being the customer not purchasing. The ad wording is “customers who switch” not “everyone who quotes” save that much. That is how companies can advertise the savings. Each company has different criteria, so drivers must get a wide range of price quotes. It’s just not possible to know which insurance company will provide you with the cheapest car insurance rates.

Auto insurance coverage basics

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages found on the average auto insurance policy.

Coverage for collisions

This covers damage to your 2 Series caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, backing into a parked car, damaging your car on a curb, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, theft and damage from getting keyed. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2015 BMW 2 Series.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as hospital visits, doctor visits, funeral costs, X-ray expenses and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like loss of income, medical expenses, attorney fees, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Best coverage at the best price

We covered a lot of ways to reduce 2015 BMW 2 Series insurance premium rates online. It’s most important to understand that the more you quote insurance, the better chance you’ll have of finding cheaper insurance. You may be surprised to find that the lowest priced auto insurance comes from a small local company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

Cheaper auto insurance can be sourced both online and from local agencies, and you should compare rates from both to get a complete price analysis. Some insurance companies do not offer rate quotes online and these smaller providers only sell coverage through independent agencies.

More tips and info about auto insurance is located by following these links: