Lower Your 2009 BMW 6 Series Insurance Quotes

Want the cheapest auto insurance rates for your BMW 6 Series? Sick and tired of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as many other drivers.

Many insurers compete for your hard-earned dollar, so it’s not easy to compare every provider and get the definite lowest rate

Consumers need to do rate comparisons occasionally because insurance rates are adjusted regularly by insurance companies. Just because you found the best deal on 6 Series coverage six months ago you can probably find a better price now. Block out anything you think you know about auto insurance because you’re about to find out the things you must know in order to find great coverage at a great price.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Buying car insurance is not that difficult. But car owners can benefit from knowing how big insurance companies sell insurance online and use this information to your advantage.

Verify you’re getting all your discounts

Companies offering auto insurance don’t list every discount very clearly, so we took the time to find some of the more common and also the lesser-known insurance coverage savings.

  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on 6 Series coverage than less cautious drivers.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on 6 Series coverage.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Multi-car Discount – Insuring more than one vehicle on the same insurance coverage policy could earn a price break for each car.
  • Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates on your policy on 6 Series coverage.
  • Passive Restraints – Factory air bags can get savings of 20% or more.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only reduce individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

For a list of insurance companies who offer insurance coverage discounts, click here to view.

Why your BMW 6 Series insurance rates may be high

Smart consumers have a good feel for the rating factors that go into determining your insurance coverage rates. Understanding what determines base rates allows you to make educated decisions that can help you get big savings.

  • Your location is important – Being located in less populated areas is a positive aspect when buying insurance coverage. Urban drivers tend to have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
  • Do men or women drive better? – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both cause accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like reckless driving and DUI.
  • Mature drivers pay less – Youthful drivers have a tendency to be less responsible when driving so insurance coverage rates are higher. Adding a young driver to your insurance coverage policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Multi-policy discounts can save money – The majority of insurance companies give discounts to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even though this discount sounds good, it’s still a good idea to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by buying insurance from more than one company.
  • Equipment add-ons that lower insurance coverage rates – Choosing a vehicle with an alarm system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Better credit means lower rates – Credit history is a large factor in determining what you pay for insurance coverage. Therefore, if your credit is not that good, you could be paying less to insure your 2009 BMW 6 Series by repairing your credit. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with lower credit scores.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your BMW 6 Series has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

When should I talk to an agent?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions can help discover if you would benefit from an agent’s advice.

  • When would I need rental car insurance?
  • Why am I required to buy high-risk coverage?
  • When do I need to add a new car to my policy?
  • How do I insure my teen driver?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount?
  • Will my rates increase for filing one claim?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

What insurance coverages do you need?

Having a good grasp of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, damage from getting keyed, a tree branch falling on your vehicle and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance – This can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2009 BMW 6 Series.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for chiropractic care, surgery, pain medications, doctor visits and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, colliding with another moving vehicle, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Do the work, save more money

We’ve covered a lot of techniques to shop for 2009 BMW 6 Series insurance online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the most savings is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Cheaper insurance can be bought on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

Additional insurance information can be read on the following sites: