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: May 5, 2018

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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.

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No one is fond of buying insurance coverage, in particular when they are paying too much.

Companies like Progressive, State Farm and GEICO continually hit you with ad campaigns and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

Why informed drivers pay less for BMW X6 M insurance

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that help calculate your insurance rates. When you understand what determines premiums, this enables informed choices that can help you get cheaper rates.

  • Cautious drivers pay lower rates – Having a clean driving record can have a huge impact on auto insurance premiums. Drivers who don’t get tickets have lower premiums as compared to those with violations. Having a single speeding ticket could increase your next policy renewal by as much as twenty percent. Drivers who have dangerous tickets like reckless driving or DUI may be required to complete a SR-22 to the state department of motor vehicles in order to continue driving.
  • Where you reside is a factor – Being located in areas with lower population has it’s advantages when trying to find low car insurance rates. People who live in big cities have to deal with traffic congestion and a longer drive to work. Fewer drivers means fewer accidents in addition to fewer liability claims.
  • Continuous insurance coverage lowers prices – Not maintaining insurance is a misdemeanor and companies may charge more for letting your insurance coverage expire. Not only will rates go up, getting caught without coverage will get you a steep fine or even jail time.
  • Liability protection is cheap – The liability coverage on your policy is the coverage that protects you if a court rules you are at fault for damages from an accident. This coverage provides legal defense which can cost a lot. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

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Compare car insurance rates

To get inexpensive auto insurance quotes, there a variety of ways to compare prices from companies that offer car insurance in your state. By far the easiest way to find competitive BMW X6 M insurance rates consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get quotes for comparison is a comparison rater form click to view form in new window. This easy form eliminates the need for a different quote for each company. Taking the time to complete one form gets insurance cost estimates from all major companies.
  2. A different way to get comparison quotes consists of going to each individual company website and request a quote. For instance, we’ll pretend you want to compare Auto-Owners, Safeco and GEICO. To do that, you would have to visit each site and enter your information, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.
  3. If you have time to kill, the last way to compare price quotes is driving around to and from local insurance agencies. Quoting and buying insurance online eliminates the middleman unless you have a complicated situation and need the trained advice of an agent trained in personal lines coverage. You can, however, comparison shop your insurance online but buy the policy through an agent.

The method you choose is up to you, but make darn sure you compare the same quote information with every price quote. If you compare different data it will be impossible to determine which company has the best rates. Just slight variations in limits can mean a large discrepancy in price. And when comparison shopping, quoting more will improve the odds of getting a lower rate. Not every company does online rate quotes, so you also need to get price estimates from those companies as well.

Discounts can really help lower premiums

Some companies don’t always advertise all disounts very well, so the list below details a few of the more common as well as some of the hidden insurance savings.

  • Auto/Home Discount – When you combine your auto and home insurance with the same company you could save nearly 15% which can help you find the cheapest auto insurance.
  • Defensive Driver Discount – Successfully completing a defensive driving class could cut 5% off your bill depending on where you live.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
  • Discounts for New Vehicles – Buying a new car model is cheaper because new model year vehicles have to meet stringent safety requirements.
  • Good Driver Discounts – Drivers who avoid accidents can pay as much as 50% less on X6 M coverage compared to accident prone drivers.
  • E-sign – A few larger online companies give back up to $50 for signing up on their website.
  • Government Employees – Active or former government employment can save as much as 8% on X6 M coverage depending on your insurance provider.
  • Discounts for Multiple Vehicles – Insuring multiple vehicles on a single policy may reduce the rate for each vehicle.
  • Military Rewards – Being deployed with a military unit can result in better rates.

Discounts save money, but please remember that most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when it seems like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will help lower the amount you have to pay.

Larger insurance companies and the discounts they provide are outlined below.

  • GEICO policyholders can earn discounts including daytime running lights, anti-lock brakes, driver training, military active duty, air bags, and emergency military deployment.
  • MetLife may have discounts that include good student, claim-free, good driver, multi-policy, defensive driver, accident-free
  • Progressive includes discounts for online signing, homeowner, multi-vehicle, continuous coverage, and online quote discount.
  • Travelers offers premium reductions for driver training, multi-car, payment discounts, early quote, save driver, home ownership, and new car.
  • SAFECO may offer discounts for anti-theft, teen safe driver, accident prevention training, multi-car, teen safety rewards, homeowner, and bundle discounts.
  • AAA has discounts for multi-policy, multi-car, good student, good driver, pay-in-full, and AAA membership discount.

Before you buy a policy, ask each company or agent the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. To choose insurance companies with discount insurance rates, click here.

Will just any policy work for me?

When buying the best insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions might point out if your situation will benefit from professional help.

  • Do I really need UM/UIM coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I buy full coverage?
  • Does my 2016 BMW X6 M qualify for pleasure use?
  • At what point should I drop full coverage?
  • Why do I only qualify for high-risk insurance?
  • Is rental equipment covered for theft or damage?
  • Can I make deliveries for my home business?
  • How high should my medical payments coverage be?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

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

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Car insurance specifics

Understanding the coverages of car insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most car insurance policies.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for X-ray expenses, surgery, EMT expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage covers damage to your X6 M from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, sustaining damage from a pot hole, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, vandalism and fire damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your BMW X6 M.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance

Liability coverage can cover damage that occurs to other people or property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, bail bonds and attorney fees. How much coverage you buy is up to you, but consider buying as much as you can afford.

Final thoughts

You just read many ways to lower your 2016 BMW X6 M insurance prices. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the best prices are with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

Lower-priced auto insurance can be purchased from both online companies and with local insurance agents, so you need to quote auto insurance with both in order to have the best chance of saving money. Some insurance companies may not offer the ability to get quotes online and usually these regional carriers only sell through local independent agencies.

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