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: Dec 12, 2017

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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.

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Nobody is fond of buying insurance, especially when the cost is way too high.

Many insurers compete to insure your vehicles, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest cost out there.

If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Finding the best rates is quite easy. Although car owners should learn the way companies determine prices and use this information to your advantage.

Compare free auto insurance price quotes

To find the cheapest auto insurance quotes, there are several ways to compare prices from local auto insurance companies. The recommended way to lower the rate you pay for 2015 BMW ALPINA B7 insurance consists of shopping online. This can be done using a couple different methods.

  • The fastest and easiest way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This style of form prevents you from having to do separate quote forms for every auto insurance company. Taking the time to complete one form gets coverage cost estimates from auto insurance companies with the best prices.
  • A slightly less efficient method to find better pricing is to take the time to go to the website for every company you want to comare and fill out their own quote form. For examples sake, let’s assume you want to get rates from Allstate, Liberty Mutual and Progressive. To get each rate you have to navigate to each company’s site to enter the same coverage data repeatedly, which can get old fast.

    For a handy list of car insurance company links in your area, click here.

  • If you have time to kill, the last method of getting rate comparisons is calling or driving to different agent offices. Quoting and buying insurance online eliminates the middleman unless you require the trained advice of a local agent. It is possible to price shop your coverage online and still use a local agent.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use the exact same deductibles and coverage limits for each quote you get. If you compare different liability limits then you won’t be able to make a fair comparison for your BMW ALPINA B7. Just slight variations in insurance coverages could skew the results. And when comparing auto insurance rates, know that getting more free quotes increases your odds of finding the best offered rates.

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

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Earn discounts to get lower-cost insurance coverage quotes

Companies that sell car insurance do not advertise the entire discount list very well, so we break down a few of the more common and the more hidden credits available to you. If you’re not getting every credit possible, you are throwing money away.

  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on ALPINA B7 coverage as compared to drivers with claims.
  • Student Discounts – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Bundled Policy Discount – If you insure your home and vehicles with one insurance company you could save at least 10 to 15 percent or more.
  • Seat Belt Discounts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off PIP or medical payments premium.
  • Driver Training Discounts – Participating in a course teaching defensive driving skills can save you 5% or more and make you a better driver.
  • Online Discount – Many companies will provide an incentive for buying your policy over the internet.
  • Own a Home – Just being a homeowner can earn you a little savings since home ownership demonstrates responsibility.
  • Club Memberships – Affiliation with a qualifying organization is a simple method to lower premiums when getting a auto insurance quote.

It’s important to note that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see companies offering insurance coverage discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • When do I need to add a new car to my policy?
  • Are my friends covered when driving my car?
  • If I drive on a suspended license am I covered?
  • Does my 2015 BMW ALPINA B7 qualify for pleasure use?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage when making deliveries for my home business?
  • If my pet gets injured in an accident are they covered?
  • Do I need rental car coverage?
  • How many claims can I have before being cancelled?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Specific coverages for a 2015 BMW ALPINA B7

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the usual coverages offered by car insurance companies.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, vandalism, a broken windshield and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for things like X-ray expenses, rehabilitation expenses, chiropractic care and dental work. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability insurance

This coverage provides protection from damage that occurs to other’s property or people. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as medical expenses, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your BMW ALPINA B7.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, colliding with another moving vehicle, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.