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: Aug 25, 2018

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Want lower insurance coverage rates for your BMW X1? Trying to find low-cost insurance for a new or used BMW X1 can normally be difficult, but you can use the following methods to find lower rates. There is a better way to buy insurance coverage and you need to know the best way to compare rates on a BMW and locate the lowest price from local insurance agents and online providers.

These six discounts can lower your insurance quotes

Insurance is easily one of your largest bills, but there could be available discounts to cut the cost considerably. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specifically requested before you will receive the discount. If you don’t get every credit possible, you could be paying more than you need to.

  • Driver’s Ed – Teen drivers should successfully complete driver’s ed class in school.
  • No Accidents – Drivers who don’t have accidents pay much less when compared with insureds who have frequent claims or accidents.
  • Waiver for an Accident – but some insurance companies allow you one accident before raising your premiums if you have no claims for a set time period.
  • Active Service Discounts – Having a family member in the military may lower your rates slightly.
  • Drive Less and Save – Driving less may allow you to get cheaper prices.
  • Data Collection Discounts – Insureds that choose to allow driving data collection to scrutinize where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.

One last thing about discounts, most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Insurance companies that may include many of the previously listed discounts include:

When getting free car insurance quotes, it’s a good idea to every prospective company the best way to save money. Depending on the company, some discounts might not apply in your area. If you would like to view insurers that offer discounts, click here to view.

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

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How much is auto insurance?

Performing a rate comparison can be a daunting task if you aren’t aware of the most efficient way. You can spend your afternoon talking about coverages with insurance companies in your area, or you can stay home and use online quotes to maximize your effort.

Most of the larger companies belong to an insurance system where prospective buyers enter their policy data once, and at least one company returns a rated price based on the submitted data. This prevents consumers from doing repetitive form submissions to every company.

To access this free quoting program, click here (opens in new window).

The one disadvantage to comparing rates this way is that consumers can’t choose which providers to receive prices from. So if you prefer to pick individual companies to receive pricing from, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure you’re using the same quote information for each comparison quote. If you have differing limits it will be next to impossible to determine which rate is truly the best.

Different people need different car insurance coverages

When it comes to buying the best car insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Does having multiple vehicles earn me a discount?
  • Do all my vehicles need collision coverage?
  • What vehicles should carry emergency assistance coverage?
  • Is my teen driver covered when they drive my company car?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 2015 BMW X1.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – Collision coverage covers damage to your X1 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability auto insurance – This will cover damage that occurs to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as X-ray expenses, ambulance fees, prosthetic devices, hospital visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, damage from getting keyed and hitting a bird. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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

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Don’t be a big spender

When trying to cut insurance costs, you should never buy poor coverage just to save money. There have been many situations where someone dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

There are still a few companies who do not provide online price quotes regional insurance providers provide coverage only through independent insurance agents. Lower-priced 2015 BMW X1 insurance is available on the web in addition to local insurance agencies, so compare prices from both so you have a total pricing picture.

We covered many tips how you can compare 2015 BMW X1 insurance rates online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the best price on insurance coverage is with a small local company.

To read more, link through to these articles: