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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Trying to find better auto insurance rates for your BMW ALPINA B6 Gran Coupe? Searching for budget auto insurance over the internet can appear to be problematic for drivers who are beginners to quoting and comparing prices on the internet. With more and more insurers to choose from, how are we expected to effectively compare the different rates to find the best pricing?

The purpose of this post is to let you in on the most effective way to quote insurance. If you have car insurance now, you should be able to cut costs considerably using these techniques. But drivers need to have an understanding of how the larger insurance companies market on the web and take advantage of how the system works.

Low cost insurance coverage prices

Most major insurance companies provide pricing directly from their websites. The process doesn’t take a lot of time as you just type in your required coverages into a form. Once entered, the system gets your driving record and credit report and generates a price determined by many factors.

This helps simplify price comparisons, but the time it takes to visit different websites and type in your information can get tiresome after awhile. But it’s also necessary to have as many quotes as possible in order to find a better rate.

A better way to locate the lowest prices utilizes a single form that obtains quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much simpler. As soon as you send your information, it is rated with multiple companies and you can pick your choice of the quotes returned.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It just takes a couple of minutes and you’ll know if lower rates are available.

In order to find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you copy exactly as they are listed on your policy. This way, you will receive comparison quotes for similar coverage.

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

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Informed decisions result in lower insurance rates

When buying insurance it’s important to understand the rating factors that play a part in calculating your premiums. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that can earn you lower insurance prices.

  • Advanced theft deterrents – Purchasing a vehicle that has an advanced theft prevention system can save you some money. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft.
  • High credit rating translates to low prices – Having a bad credit score is likely to be a major factor in calculating your premium rate. If your credit leaves room for improvement, you could potentially save money when insuring your 2015 BMW ALPINA B6 Gran Coupe by repairing your credit. Drivers who have very good credit scores tend to file fewer claims as compared to drivers with worse credit.
  • High deductibles save money – Insurance for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your BMW. Some instances where coverage would apply would be a broken side mirror, damage caused by hail, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket if a claim is determined to be covered. The larger the amount you have to pay, the better rate you will receive on ALPINA B6 Gran Coupe coverage.
  • Do you really need the add-on coverages? – There are quite a few extra add-on coverages that can add up if you aren’t careful. Coverages for vanishing deductibles, better glass coverage, and motor club memberships may be wasting your money. They may sound like good ideas when discussing your needs, but your money might be better spent on other coverage so get rid of them and save.
  • Never let your insurance policy lapse – Going without insurance will be a sure-fire way to increase your insurance rates. Not only will you pay higher rates, being ticketed for driving with no insurance may result in a fine, jail time, or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Employer impacts rates – Occupations like real estate brokers, executives and medical professionals generally have higher rates than average attributed to intense work situations and lots of time spent away from family. Other careers like scientists, students and performers have lower than average premiums on ALPINA B6 Gran Coupe coverage.

Discounts can really help lower premiums

Insurance is not inexpensive, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply when you purchase, but some need to be manually applied before they will apply.

  • Active Service Discounts – Being deployed in the military could qualify you for better prices.
  • Paper-free Discount – A handful of companies will provide an incentive for completing your application on the internet.
  • New Vehicle Savings – Buying a new car model can save up to 30% since newer models are generally safer.
  • One Accident Forgiven – This one is not really a discount per se, but companies like GEICO and Allstate will let one accident slide before raising your premiums so long as you are claim-free before the accident.
  • Bundle and Save – If you combine your homeowners and auto policies and insure them with the same company you may save at least 10 to 15 percent or more.
  • Defensive Driving Course – Taking time to complete a course in safe driver could possibly earn you a 5% discount and make you a better driver.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck. But any discount should help lower your policy premium.

Popular insurance companies and some of the discounts are included below.

  • 21st Century offers discounts including teen driver, theft prevention, homeowners, student driver, automatic seat belts, air bags, and driver training.
  • State Farm offers premium reductions for Drive Safe & Save, accident-free, student away at school, multiple policy, multiple autos, and defensive driving training.
  • AAA includes discounts for AAA membership discount, anti-theft, good student, pay-in-full, education and occupation, multi-car, and good driver.
  • Liberty Mutual may include discounts for new vehicle discount, safety features, new move discount, newly married, multi-policy, and good student.
  • Progressive offers discounts for homeowner, multi-policy, multi-vehicle, online signing, and online quote discount.

Before you buy a policy, ask each insurance company to give you their best rates. Savings might not be available to policyholders in your state. To choose insurance companies with the best insurance discounts, click here to view.

Will just any policy work for me?

When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether you might need professional guidance.

  • Is business property covered if stolen from my car?
  • Do I have newly-aquired coverage?
  • Is there coverage for injuries to my pets?
  • Do I need higher collision deductibles?
  • How do I file an SR-22 for a DUI in my state?
  • Can I rent a car in Mexico?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

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

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Auto insurance 101

Learning about specific coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision – Collision insurance pays for damage to your ALPINA B6 Gran Coupe resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, crashing into a ditch, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, hitting a deer, hitting a bird, damage from flooding and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like doctor visits, hospital visits and dental work. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – This coverage protects you from damage that occurs to other people or property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as bail bonds, emergency aid and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Never pay more for less

Insureds who switch companies do it for a number of reasons such as being labeled a high risk driver, denial of a claim, delays in responding to claim requests and even extreme rates for teen drivers. It doesn’t matter what your reason, finding the right auto insurance provider can be easy and end up saving you some money.

Lower-priced auto insurance can be purchased from both online companies and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not offer price quotes online and usually these smaller companies only sell through independent insurance agencies.

When getting insurance coverage quotes online, it’s not a good idea to reduce coverage to reduce premium. Too many times, someone dropped liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

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