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: Sep 28, 2017

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Searching for cheaper insurance coverage rates for your BMW X4? No one in their right mind looks forward to paying premiums for insurance coverage, especially knowing the cost is too high. Numerous insurance companies battle for your insurance dollar, so it can be very hard to choose a provider to find the absolute lowest cost out there.

Get cheaper rates by receiving discounts

Not too many consumers would say car insurance is affordable, but you can get discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but some need to be requested specifically before you will receive the discount. If you are not receiving all the discounts you deserve, you are just wasting money.

  • Early Renewal Discounts – Select insurance companies give a discount for switching policies before your current policy expires. This discount can save up to 10%.
  • Driver Education Discount – Teen drivers should successfully complete driver’s ed class in school or through a local driver safety program.
  • Payment Discounts – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
  • Active Military Service – Being on active deployment in the military may lower your prices slightly.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially when compared to insureds who have frequent claims or accidents.
  • Driver Safety – Taking a class that teaches driver safety techniques may get you a small discount depending on where you live.
  • Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote auto insurance on X4 insurance depending on your company.

Policy discounts save money, but most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, you won’t be that lucky.

A few popular companies and a selection of discounts are included below.

  • American Family offers discounts for TimeAway discount, bundled insurance, defensive driver, Steer into Savings, accident-free, good driver, and early bird.
  • State Farm offers premium reductions for multiple policy, anti-theft, Steer Clear safe driver discount, student away at school, driver’s education, and safe vehicle.
  • 21st Century may have discounts that include student driver, automatic seat belts, good student, homeowners, 55 and older, early bird, and defensive driver.
  • Travelers has discounts for IntelliDrive, good student, hybrid/electric vehicle, payment discounts, home ownership, and driver training.
  • GEICO may offer discounts for anti-lock brakes, membership and employees, multi-vehicle, driver training, military active duty, and good student.

When getting a coverage quote, ask every prospective company which credits you are entitled to. Some credits may not be offered in your area. If you would like to see a list of companies who offer cheap car insurance quotes, click this link.

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Smart buyers can cut their insurance prices

Many factors are used when quoting car insurance. Some are pretty understandable such as your driving record, but others are not quite as obvious like where you live or your vehicle rating.Part of the auto insurance buying process is learning the different types of things that come into play when calculating the price you pay for auto insurance. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that may result in lower auto insurance prices.

The itemized list below are some of the factors that factor into your prices.

  • Limits of liability – The liability coverage on your policy is the coverage that protects you if you are determined to be liable for an accident. This coverage provides you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive as compared to coverage for physical damage, so do not skimp.
  • Frequent insurance claims increase auto insurance rates – If you file claims often, you shouldn’t be surprised to get either policy cancellation or increased premiums. Insurance companies generally give most affordable rates to drivers who do not file claims often. Auto insurance is intended to be relied upon for claims that pose a financial burden.
  • Better credit means lower costs – Having a bad credit score is a big factor in your rate calculation. Insureds that have excellent credit scores tend to be better drivers and file fewer claims than those with bad credit. Therefore, if your credit rating leaves room for improvement, you may save money insuring your 2016 BMW X4 by taking the time to improve your credit score.
  • Gaps in coverage mean higher auto insurance rates – Driving with no insurance is illegal and companies may charge more for letting your coverage cancel without a new policy in place. In addition to paying higher rates, the inability to provide proof of insurance could result in fines and jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Your insurance coverage coverage should be tailored to you

When it comes to buying the best insurance coverage coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if hit by an uninsured driver?
  • Am I better off with higher deductibles on my 2016 BMW X4?
  • Does insurance cover tools stolen from my truck?
  • If my pet gets injured in an accident are they covered?
  • Should I put collision coverage on all my vehicles?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, rolling your car, sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, damage from a tornado or hurricane, fire damage, damage from flooding and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

Liability insurance protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as funeral expenses, structural damage, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as rehabilitation expenses, ambulance fees, doctor visits and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

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

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Shop smart and save

Lower-priced 2016 BMW X4 insurance can be purchased on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide the ability to get quotes online and many times these regional insurance providers only sell through local independent agents.

We just presented a lot of tips how to lower your 2016 BMW X4 insurance prices. The most important thing to understand is the more rate quotes you have, the higher your chance of finding affordable auto insurance. Consumers could even find that the lowest priced auto insurance comes from a smaller regional carrier. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.

As you quote auto insurance, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at the best price.

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