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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Searching for cheaper auto insurance rates for your BMW X7? No one loves paying for auto insurance, particularly when their premiums are too high.

Due to the fact that there are so many options, it is very difficult to choose the most affordable insurance company.

You should take the time to quote other rates once or twice a year because prices change frequently. Even if you got the best price for X7 insurance a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to teach you the quickest way to properly buy coverages and cut your premium.

Shopping for affordable insurance is quite easy. In a nutshell, anyone who is shopping for insurance should be able to cut their insurance bill. Although vehicle owners need to have an understanding of how big insurance companies market on the web because it can help you find the best coverage.

Don’t overlook these insurance discounts

Insurance is expensive, but you might already qualify for some discounts that can dramatically reduce your bill. A few discounts will be applied at quote time, but a few must be asked for prior to receiving the credit.

  • Pay Early and Save – By making one initial payment rather than paying monthly you can avoid the installment charge.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Drive Safe and Save – Drivers without accidents could pay up to 40% less for X7 insurance compared to accident prone drivers.
  • Homeowners Savings – Being a homeowner can save a few bucks because maintaining a house shows financial diligence.
  • New Vehicle Savings – Buying a new car model can get you a discount because new vehicles are generally safer.

As is typical with insurance, some of the credits will not apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So even though you would think you can get free auto insurance, nobody gets a free ride.

To choose providers with discount rates, click this link.

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

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When to get professional advice

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need replacement cost coverage?
  • Am I covered if hit by an uninsured driver?
  • What should my uninsured motorist coverage limits be in my state?
  • Is rental equipment covered for theft or damage?
  • What is roadside assistance coverage?
  • How much liability insurance is required?
  • Can I make deliveries for my home business?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Big names are not always cheapest

Popular car insurance providers such as State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. All the ads convey the message that drivers can save some big amount if you change your coverage. How does each company charge lower premium rates? Just pay attention to how they say it.

All the different companies have specific guidelines for the type of insured that will not have excessive claims. An example of a profitable insured might be described as a mature driver, carries full coverage, and has excellent credit. Any person that meets those criteria will most likely get cheap premium rates and is almost guaranteed to cut their rates if they switch.

Insureds who don’t meet the ideal profile will probably have to pay higher prices and the prospect going elsewhere. The ad wording is “people that switch” but not “everyone who gets a quote” will save that much if they switch. That is how companies can truthfully advertise the way they do.

This emphasizes why you absolutely need to compare price quotes frequently. It is impossible to guess the company that will provide the lowest auto insurance rates.

Insurance coverage breakdown

Knowing the specifics of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like doctor visits, nursing services and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2016 BMW X7.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage pays for damage to your X7 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole, colliding with a tree and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

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 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, structural damage and medical services. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive coverages

This coverage pays for 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 claims such as hitting a deer, vandalism, hail damage, falling objects and damage from getting keyed. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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

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A fool and his money are soon parted

When shopping online for auto insurance, you should never skimp on coverage in order to save money. There are a lot of situations where someone dropped collision coverage only to find out that it was a big error on their part. The aim is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

We’ve covered many ideas to save on 2016 BMW X7 insurance. It’s most important to understand that the more companies you get car insurance rates for, the higher the chance of saving money. You may even discover the lowest rates come from the least-expected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

Much more information about auto insurance is located on the following sites: