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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Getting low-cost insurance coverage might seem intimidating for drivers that are relatively new to comparing prices on the internet. When there are so many companies, how can you be able to compare every company to locate lower insurance coverage premiums?

Don’t overlook these six insurance coverage discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that can help lower your rates. Some discounts will apply at quote time, but occassionally some discounts must be inquired about before you will receive the discount.

  • Senior Citizen Rates – If you qualify as a senior citizen, you are able to get a small discount on rates on X6 coverage.
  • Early Signing – Select larger companies give a discount for buying a policy prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts could see savings of 20% or more.
  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Discounts for Federal Employees – Federal government employees can save as much as 8% on X6 coverage with select insurance companies.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Just because you may think you could get a free insurance coverage policy, company stockholders wouldn’t be very happy. But any discount will help lower the cost of your policy.

A few of the larger companies and the discounts they provide can be read below.

  • State Farm may have discounts that include passive restraint, Drive Safe & Save, anti-theft, driver’s education, defensive driving training, and safe vehicle.
  • Esurance offers premium reductions for online shopper, anti-theft, paid-in-full, emergency road assistance, and homeowner.
  • Progressive offers discounts for homeowner, online signing, multi-vehicle, good student, continuous coverage, and multi-policy.
  • Liberty Mutual includes discounts for safety features, new graduate, hybrid vehicle, exclusive group savings, good student, new vehicle discount, and multi-policy.
  • Auto-Owners Insurance may include discounts for anti-lock brakes, paperless, anti-theft, multi-policy, safe vehicle, mature driver, and multiple vehicles.
  • GEICO policyholders can earn discounts including driver training, federal employee, multi-vehicle, anti-lock brakes, and daytime running lights.

When getting free car insurance quotes, it’s a good idea to each company the best way to save money. All car insurance discounts may not apply to policyholders in your area.

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

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When to get professional advice

When it comes to choosing coverage, there really is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Am I covered if hit by an uninsured driver?
  • Am I covered if I break a side mirror?
  • How high should deductibles be on a 2015 BMW X6?
  • Does my personal policy cover me when driving out-of-state?
  • Should I rate my 2015 BMW X6 as pleasure use or commute?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How much liability coverage do I need in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Who is covered by my policy?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Smaller companies may have the best rates

Well-known insurance coverage companies like 21st Century, Allstate and State Farm continually stream ads in print and on television. All the ads have a common claim about how much you will save if you change your insurance coverage policy to them. How does every company make almost identical claims? It’s all in the words they use.

Companies offer their best rates for the driver that earns them a profit. An example of this type of insured could possibly be over the age of 40, has few claims, and drives a safe vehicle. Any customer who meets those qualifications receives the best car insurance rates and as a result will probably cut their rates if they switch.

Potential customers who don’t meet those standards will probably be forced to pay a higher rate which leads to the prospect going elsewhere. The ad wording is “people who switch” not “all people who quote” save the amount stated. That’s why companies can truthfully make claims that they all have the best prices. Each company has different criteria, so you need to compare rate quotes every year. It is just not possible to predict which insurance companies will give you lower premium rates than your current company.

Auto insurance 101

Understanding the coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Liability insurance

Liability coverage can cover damage that occurs to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like repair bills for other people’s vehicles, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for collisions

This coverage covers damage to your X6 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, colliding with a tree, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your BMW X6.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as funeral costs, X-ray expenses, chiropractic care, nursing services and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, a tree branch falling on your vehicle, hail damage, fire damage and rock chips in glass. The maximum amount a insurance company will pay at claim time is the actual cash value, 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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Shop. Compare. Save.

Affordable 2015 BMW X6 insurance can be bought both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not have online quoting and most of the time these small insurance companies provide coverage only through local independent agents.

You just learned some good ideas how you can compare 2015 BMW X6 insurance premium rates online. The most important thing to understand is the more times you quote, the better likelihood of getting cheaper car insurance. Consumers may even find the biggest savings come from some of the lesser-known companies.

Consumers change insurance companies for many reasons like an unsatisfactory settlement offer, delays in paying claims, poor customer service or extreme rates for teen drivers. No matter why you want to switch, switching companies is not as hard as you think.

To learn more, link through to the resources below: