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 23, 2017

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Buying cheaper insurance coverage may be difficult for people that are not comfortable with quoting and shopping for insurance online. With such a big selection of agents and online companies available, how can people even start to compare the different rates to find the lowest rates?

You should make it a habit to quote other rates at least once a year due to the fact that insurance prices are constantly changing. Just because you found the best deal on 6 Series insurance six months ago you can probably find a better rate now. Block out anything you think you know about insurance coverage because you’re about to find out how to use online quotes to find great coverage at a great price.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. The purpose of this article is to let you in on the best way to quote coverages and some money-saving tips. Nevertheless, consumers need to learn how insurance companies price insurance differently and apply this information to your search.

Auto insurance policy discounts you can’t miss

Auto insurance is not inexpensive, but you can get discounts that many consumers don’t even know exist. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
  • Own a Home – Being a homeowner may trigger a policy discount on auto insurance due to the fact that maintaining a home requires personal responsibility.
  • Membership in Organizations – Having an affiliation with qualifying clubs or civic groups could trigger savings on your policy.
  • Discounts for New Vehicles – Insuring a vehicle that is new can get you a discount due to better safety requirements for newer models.
  • Good Student – This discount may save as much as 25% on a insurance coverage quote. The good student discount can last until age 25.
  • College Student – Youth drivers who live away from home at college and do not take a car to college may qualify for this discount.
  • Multiple Vehicles – Having multiple vehicles on one policy can reduce rates for all insured vehicles.
  • Switch and Save Discount – Select auto insurance companies give a discount for switching to them early. It can save you around 10%.
  • ABS Braking Discount – Cars with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few popular companies and some of the discounts can be read below.

  • Esurance has savings for emergency road assistance, renters, good driver, multi-policy, homeowner, anti-theft, and defensive driver.
  • The Hartford includes discounts for vehicle fuel type, good student, bundle, anti-theft, defensive driver, and air bag.
  • AAA may include discounts for multi-car, good student, education and occupation, AAA membership discount, good driver, multi-policy, and anti-theft.
  • GEICO has discounts for air bags, anti-theft, daytime running lights, multi-policy, federal employee, and emergency military deployment.
  • State Farm policyholders can earn discounts including student away at school, driver’s education, good student, defensive driving training, anti-theft, multiple policy, and Drive Safe & Save.

Double check with every company which discounts can lower your rates. Some credits might not be offered on policies everywhere.

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The ad said I’d save $386 a year!

Big name companies like 21st Century, Allstate and State Farm endlessly run ads on television and other media. They all tend to make the same promise that drivers will save a bundle just by switching to their company. That’s great but how can every company claim to save you money? Here is the trick they use.

Insurance providers have specific characteristics for the type of insured that earns them a profit. One example of a profitable customer could possibly be a married female, has a clear driving record, and drives less than 10,000 miles a year. Any customer that matches those criteria receive the lowest rate quotes and most likely will save quite a bit of money when switching.

People who do not meet the requirements will have to pay higher rates which translates to the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” can save as much as they claim. That’s why companies can truthfully advertise the way they do. Different companies use different criteria so you should get insurance coverage quotes as often as possible. It is just not possible to predict which company will have the best rates for your profile.

Insurance agents can help

When it comes to buying the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • Should I have a commercial auto policy?
  • Does my policy cover my teen driver if they drive my company car?
  • At what point should I drop full coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is extra glass coverage worth it?
  • I have a DUI can I still get coverage?
  • What is the rate difference between pleasure use and commuting?
  • What companies insure drivers after a DUI or DWI?
  • What is PIP insurance?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverages explained

Having a good grasp of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverages – This coverage covers damage to your 6 Series from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision – Comprehensive insurance pays for 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 can pay for things such as a broken windshield, hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your BMW 6 Series.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as hospital visits, dental work and ambulance fees. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Liability coverage – This coverage protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like bail bonds, structural damage and medical services. How much coverage you buy is your choice, but consider buying as much as you can afford.

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

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Have money to burn

Throughout this article, we presented many ways to get a better price on 2016 BMW 6 Series insurance. The key concept to understand is the more companies you get car insurance rates for, the better likelihood of getting the cheapest insurance coverage. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.

When searching for low cost insurance coverage quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at the best possible price, not the least amount of coverage.

Insureds switch companies for many reasons like being labeled a high risk driver, poor customer service, high prices and not issuing a premium refund. Regardless of your reason, choosing a new insurance company can be less work than you think.

More tips and info about insurance coverage is available in the articles below: