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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 6, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Searching for better auto insurance rates for your BMW M6? Locating better insurance prices for your BMW M6 could be an all-consuming task, but you can learn our auto insurance buying tips to save time. There are more efficient ways to shop for auto insurance so you’re going to learn the proper way to get price quotes for your BMW and find the lowest price from both online companies and local agents.

Consumers need to do rate comparisons on a regular basis due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the best price on M6 coverage six months ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because we’re going to show you the fastest way to find lower rates on auto insurance.

How to get free car insurance quotes online

Effectively comparing car insurance prices is a ton of work if you don’t utilize the easiest way. You could spend the better part of a day driving to insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies belong to a marketplace that enables customers to complete one form, and each participating company then gives them pricing based on that information. This system prevents you from having to do quote forms for each company.

To use this form to compare rates click here to open in new window.

The one downside to using this type of form is you can’t choose which insurance companies to get pricing from. If you would rather choose specific providers to request quotes from, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, make sure you are using equivalent quote information with every price quote. If you are comparing differing limits it’s not possible to determine which company has the best rates.

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

secured lock Secured with SHA-256 Encryption

More discounts mean cheaper premiums

Some insurance providers don’t necessarily list all their discounts very clearly, so here is a list some of the more common and also the lesser-known discounts that you may qualify for.

  • Military Discounts – Having a deployed family member can result in better insurance rates.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Multi-car Discount – Buying insurance for multiple cars or trucks with one company could earn a price break for each car.
  • No Claims – Insureds with no claims or accidents get the best insurance rates in comparison to drivers with a long claim history.
  • Save over 55 – Drivers that qualify as senior citizens may receive a small discount on rates on M6 coverage.
  • Passive Restraint Discount – Options like air bags can get savings of 25 to 30%.
  • Low Mileage Discounts – Fewer annual miles on your BMW could qualify for slightly better insurancerates than normal.
  • Bundle and Save – If you insure your home and vehicles and insure them with the same company you will save approximately 10% to 15%.

As a footnote on discounts, most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

Popular insurance companies and the discounts they provide can be read below.

  • GEICO discounts include multi-policy, multi-vehicle, five-year accident-free, membership and employees, anti-theft, and air bags.
  • USAA has savings for safe driver, multi-vehicle, driver training, military installation, multi-policy, family discount, and annual mileage.
  • Progressive has discounts for online quote discount, multi-vehicle, good student, continuous coverage, multi-policy, and homeowner.
  • American Family includes discounts for bundled insurance, defensive driver, good driver, air bags, and Steer into Savings.
  • Esurance may have discounts that include good driver, safety device, anti-lock brakes, online quote, renters, homeowner, and paid-in-full.
  • Farmers Insurance offers discounts including early shopping, business and professional, electronic funds transfer, alternative fuel, good student, distant student, and pay in full.
  • State Farm may offer discounts for defensive driving training, Steer Clear safe driver discount, safe vehicle, multiple policy, good driver, anti-theft, and passive restraint.

Before purchasing a policy, check with each company which discounts you may be entitled to. Some discounts listed above may not be offered in your area. For a list of providers who offer cheap insurance quotes, click here to view.

Informed drivers know how to find insurance at a discount

Part of the insurance buying process is learning the different types of things that go into determining the rates you pay for insurance. When you know what positively or negatively influences your rates, this allows you to make good choices that can earn you big savings. Many factors are taken into consideration when you quote your car insurance policy. Most are fairly basic such as traffic violations, but others are more obscure such as whether you are married or your vehicle rating.

  • Eliminate unneeded extra policy coverages – Insurance policies have a lot of extra add-on coverages that you can buy on your M6 policy. Coverages like rental car reimbursement, better glass coverage, and extra life insurance coverage are probably not needed. These coverages may sound good when deciding what coverages you need, but if you have no use for them remove them from your policy.
  • Younger drivers pay high prices – Mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims and get fewer tickets.Youthful drivers are known to be more careless when behind the wheel and because of this, their insurance rates are much higher.
  • A good credit rating can save money – Credit score will be a significant factor in determining what you pay. If your credit rating is low, you could pay less to insure your 2016 BMW M6 by improving your rating. Insureds with high credit scores tend to be more responsible than drivers who have bad credit.
  • Consolidate and save – Most major companies give discounts to clients that buy multiple policies, otherwise known as a multi-policy discount. The discount can be ten percent or more. Even if you already get this discount, it’s still a good idea to check prices from other companies to ensure the best deal.
  • How much liability protection – The liability section of your policy kicks in in the event that you are found to be at fault for damages from an accident. It will provide for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Cut insurance rates and deter theft – Driving a car with anti-theft technology or alarm system can get you a discount on your insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.

It’s not one size fits all

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions could help you determine if you would benefit from an agent’s advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does coverage extend to Mexico or Canada?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How does medical payments coverage work?
  • Are rental cars covered under my policy?
  • What is the rate difference between pleasure use and commuting?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

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

secured lock Secured with SHA-256 Encryption

Specific coverages for a 2016 BMW M6

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverages

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

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as nursing services, hospital visits and EMT expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage covers damage to your M6 from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, colliding with another moving vehicle, colliding with a tree, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hitting a deer, vandalism and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your BMW M6.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Shop. Compare. Save.

When searching for the cheapest insurance quotes, you should never buy less coverage just to save a little money. There have been many situations where an insured dropped full coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

Lower-priced 2016 BMW M6 insurance can be purchased online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not provide online rate quotes and most of the time these small insurance companies only sell through independent agencies.

You just learned some good ideas how you can save on 2016 BMW M6 insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. Consumers may even find the best price on insurance coverage is with the least-expected company.

To learn more, link through to these articles: