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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Looking for the cheapest auto insurance rates? Shoppers have lots of choices when shopping for low-cost BMW X6 insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to find the lowest rates.

There is a right way and a wrong way to find auto insurance online and we’ll show you the best way to price shop coverage for your BMW and locate the lowest price.

Smart consumers take time to compare premium rates as often as possible since prices are rarely the same from one policy term to another. Just because you had the best deal on X6 insurance six months ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re going to learn the only way to find better rates and still maintain coverage.

If you have a policy now or need a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. This information will help you learn how to effectively get price quotes and some tricks to saving. Consumers just need to learn how to shop for auto insurance on the web.

Lower your car insurance rates with discounts

Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. A few discounts will be applied when you purchase, but a few must be requested specifically before you get the savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Discount for New Cars – Buying a new car model may earn a small discount due to better safety requirements for newer models.
  • College Student – Any of your kids living away from home attending college and leave their car at home may be insured at a cheaper rate.
  • Senior Citizen Rates – Drivers over the age of 55 may be able to get reduced rates on X6 insurance.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Good Student Discount – Being a good student could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Professional Memberships – Participating in a civic or occupational organization is a simple method to lower premiums on car insurance.
  • Homeowners Pay Less – Owning a home may trigger a policy discount on car insurance because maintaining a house demonstrates responsibility.
  • Passive Restraints – Vehicles equipped with air bags can receive discounts up to 30%.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren’t that generous.

Car insurance companies who may offer these benefits may include but are not limited to:

When quoting, ask each company or agent how you can 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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How to compare free car insurance rate quotes

There are a variety of methods to compare car insurance quotes, but some are less labor-intensive and much quicker. You can waste hours talking to insurance companies in your area, or you could use the internet for quick rates.

All the larger companies belong to a marketplace that enables customers to submit their information once, and each participating company then returns a price quote based on that information. This eliminates the need for form submissions for every car insurance company. To use this form to compare rates click here to open in new window.

The only downside to using this type of system is you don’t know exactly the companies to get quotes from. If you would rather choose from a list of companies to compare, we have a page of companies who write car insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just make sure you compare nearly identical coverages and limits on every quote. If you have mixed coverages it will be next to impossible to find the best deal for your BMW X6.

Insurance price influencing factors

Multiple criteria are part of the equation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but some are not as apparent like your vehicle usage or how safe your car is.A large part of saving on insurance coverage is knowing some of the factors that help determine insurance coverage rates. If you have a feel for what influences your rates, this allows you to make good choices that can earn you much lower annual insurance costs.

The items below are a few of the “ingredients” used by companies to determine your premiums.

  • Improve your credit rating and save – Having a bad credit score is a large factor in your rate calculation. So if your credit history can be improved, you may save money insuring your 2016 BMW X6 if you improve your credit rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
  • Insurance coverage lapses lead to higher prices – Having a lapse in insurance coverage is a quick way to drive up your policy premiums. And not only will your rates increase, getting caught without coverage can result in a fine, jail time, or a revoked license.
  • Vehicles with better crash test results are cheaper to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles reduce the chance of injuries and any reduction in injury severity means less claims paid which can mean better rates for you.
  • Reserve policy claims for larger damages – If you are the type of insured that files lots of claims you should expect either a policy non-renewal or much higher rates. Companies give the lowest premiums to people who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
  • Physical damage deductibles – Deductibles for physical damage tell how much you are required to spend out-of-pocket before a claim is paid by your company. Physical damage protection, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, or theft of your vehicle. The higher the amount you choose to pay out-of-pocket, the less your company will charge you for insurance on X6 insurance.
  • You may save more by consolidating policies – Most major companies afford lower prices to clients that purchase more than one policy such as combining an auto and homeowners policy. If you currently are using one company, drivers will still want to compare other insurance prices to confirm you are receiving the best rates possible. Drivers may still find lower rates by buying from different companies
  • Gender and insurance prices – Over the last 50 years, statistics have shown women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Males and females tend to get into fender benders at a similar rate, but the men cause more damage. In addition to higher claims, males also get ticketed for serious violations such as DWI and reckless driving.

You are unique and your insurance should be too

When choosing adequate coverage, there is no “perfect” insurance plan. Every situation is different.

For instance, these questions might point out if you may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Where can I get insurance after a DUI in my state?
  • How high should deductibles be on a 2016 BMW X6?
  • What is PIP insurance?
  • Is my teenager covered with friends in the car?
  • Am I covered when driving a rental car?
  • How can I force my company to pay a claim?
  • Is a blown tire covered by insurance?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

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

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Truth in car insurance advertising

Consumers can’t ignore all the ads for the lowest price car insurance from companies such as Progressive, Allstate and GEICO. They all say the same thing that people will save after switching your coverage.

Is it even possible that every company can give you a better price?

Car insurance companies provide the lowest rates for the type of driver they prefer to insure. A good example of this type of insured could be over the age of 40, has no tickets, and drives a safe vehicle. Any driver who matches that profile will qualify for the lowest premium rates and therefore will save when switching.

Potential customers who don’t qualify for those criteria must pay higher premium rates which translates to the prospect going elsewhere. The wording the ads use say “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can truthfully advertise the way they do.

Because of these techniques, you really should compare price quotes frequently. It’s not possible to predict which car insurance company will give you the biggest savings.

Car insurance policy specifics

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2016 BMW X6.

Due to the fact that many drivers 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 important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Liability car insurance – Liability coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like bail bonds, loss of income, legal defense fees and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Collision – This coverage pays for damage to your X6 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, colliding with a tree, hitting a parking meter, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like surgery, dental work, nursing services and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage 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 insurance covers things such as rock chips in glass, damage from getting keyed, hitting a deer and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Smart consumers save more

Consumers switch companies for a number of reasons such as not issuing a premium refund, questionable increases in premium, denial of a claim and even policy cancellation. It doesn’t matter why you want to switch finding the right insurance provider can be easier than you think.

When you buy auto insurance online, it’s a bad idea to buy poor coverage just to save money. In many instances, an insured dropped collision coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

We’ve covered some good ideas how to shop for 2016 BMW X6 insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting affordable auto insurance. You may be surprised to find that the lowest premium rates are with some of the lesser-known companies.

Additional information is available at the links below