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 2, 2017

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Trying to find cheaper car insurance rates for your BMW 4 Series Gran Coupe? Searching for cheaper insurance for a new or used BMW 4 Series Gran Coupe can turn out to be a painful process, but you can use a few tricks to save time.

There is a better way to buy car insurance so we’re going to tell you the proper way to quote coverages for a new or used BMW and locate the best price possible from local insurance agents and online providers.

Smart consumers take time to get comparison quotes quite often because car insurance rates trend upward over time. Even if you think you had the lowest premium rates on 4 Series Gran Coupe insurance a couple years back you will most likely find a better price today. Forget all the misinformation about car insurance because it’s time to teach you how to use the internet to properly buy coverages and cut your premium.

Take policy discounts and save

Companies don’t always advertise every policy discount very well, so the list below contains some of the more common as well as the least known credits that you can use to lower your rates.

  • Safe Driver Discount – Drivers who avoid accidents can save up to 40% or more on their insurance quote on 4 Series Gran Coupe insurance compared to rates paid by drivers with frequent claims.
  • Professional Organizations – Belonging to a civic or occupational organization is a simple method to lower premiums on auto insurance.
  • Online Discount – A few larger online companies will provide an incentive for signing up over the internet.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save a little off PIP or medical payments premium.
  • Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you better auto insurancerates if you take out auto and life insurance together.
  • Defensive Driver Discount – Completing a course in driver safety could cut 5% off your bill and easily pay for the cost of the class.
  • Low Mileage Discounts – Fewer annual miles on your BMW could be rewarded with lower rates on the low mileage vehicles.
  • Drivers Ed for Students – Teen drivers should take driver’s ed class as it can save substantially.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control prevent accidents so you can save 10 percent or more.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, nobody gets a free ride.

Popular auto insurance companies and some of the discounts are shown below.

  • American Family may have discounts that include defensive driver, mySafetyValet, good driver, Steer into Savings, accident-free, and multi-vehicle.
  • Farm Bureau includes discounts for driver training, multi-vehicle, multi-policy, good student, renewal discount, and safe driver.
  • State Farm may include discounts for driver’s education, anti-theft, safe vehicle, multiple autos, and good student.
  • Travelers has discounts for IntelliDrive, hybrid/electric vehicle, driver training, multi-policy, and payment discounts.
  • The Hartford offers discounts for driver training, anti-theft, defensive driver, bundle, good student, and air bag.
  • GEICO has savings for emergency military deployment, good student, multi-vehicle, defensive driver, military active duty, and seat belt use.
  • Progressive policyholders can earn discounts including online signing, continuous coverage, multi-policy, online quote discount, multi-vehicle, good student, and homeowner.

If you need inexpensive insurance quotes, ask every company which credits you are entitled to. Some of the discounts discussed earlier might not apply in your state.

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

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Which policy gives me the best coverage?

When buying proper insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if you may require specific advice.

  • How can I force my company to pay a claim?
  • What if I don’t agree with a claim settlement offer?
  • I don’t drive much so do I pay less?
  • Will I lose any money if I cancel my policy before it expires?
  • What is the rate difference between pleasure use and commuting?
  • What are the best liability limits?
  • Is a fancy paint job covered?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Why you might not save $464 a year

Consumers can’t avoid all the ads for car insurance savings from companies such as State Farm and Allstate. All the companies make an identical promise about savings if you switch your coverage to them.

That’s great but how can every company cost less than your current company? It’s all in how they say it.

Most companies have specific guidelines for the type of customer that will generate a profit. For instance, a desirable insured might be between the ages of 30 and 50, has few claims, and drives a safe vehicle. Someone who matches that profile will get very good rates and will also cut their rates if they switch.

Potential insureds who may not quite match this ideal profile may receive higher premiums and ends up with the customer not buying. The trick companies use is to say “customers who switch” not “all people who quote” can get the lowest rates when switching. That’s why companies can truthfully make those statements.

Because of these techniques, you really should get a wide range of price quotes. It’s impossible to know the company that will have the lowest auto insurance rates for your situation.

Educate yourself about auto insurance coverages

Having a good grasp of your auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as chiropractic care, nursing services, funeral costs and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, damage from a tornado or hurricane, fire damage and vandalism. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your BMW 4 Series Gran Coupe.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other’s property or people. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, court costs, pain and suffering, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

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

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Find Good Coverage for Less

Some insurance providers do not offer online price quotes and these regional carriers only sell coverage through independent agencies. The cheapest 2016 BMW 4 Series Gran Coupe insurance is available from both online companies in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture.

As you prepare to switch companies, never buy poor coverage just to save money. There are many occasions where drivers have reduced collision coverage only to discover later that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at the best cost.

Consumers change insurance companies for many reasons like delays in paying claims, policy cancellation, extreme rates for teen drivers and high prices. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

To learn more, link through to the articles below: