2013 BMW 1 Series Car Insurance Quotes – 5 Tricks for Best Rates

I can’t think of anyone who cherishes buying insurance coverage, especially knowing they are paying too much.

Since consumers have many choices, it can be impossible to pick the lowest cost car insurance company.

It is always a good idea to compare rates before your policy renews because prices change regularly. Just because you had the lowest rates for 1 Series coverage a year ago a different company probably has better rates today. Forget all the misinformation about insurance coverage because we’re going to demonstrate how to quote online to lower your rates without sacrificing coverage.

Don’t miss these five discounts

Car insurance is not cheap, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but less common discounts must be asked for prior to getting the savings.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Early Switch Discount – Some companies give discounts for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for a substantially lower rate.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings on your policy for 1 Series coverage.
  • Homeowners Discount – Owning a house can save you money because owning a home is proof that your finances are in order.

It’s important to understand that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck. But all discounts will cut the cost of coverage.

To see a list of insurance companies with discount auto insurance rates, follow this link.

Free Quotes for Auto Insurance

Most major insurance companies give coverage prices on the web. Obtaining pricing doesn’t take much effort as you simply type in your required coverages as requested by the quote form. Once you submit the form, their rating system pulls information on your driving record and credit history and generates pricing information based on these factors. Quoting online streamlines rate comparisons, but the time required to go to multiple sites and complete many quote forms is monotonous and tiresome. But it’s absolutely necessary to do this in order to find lower prices.

The smarter way to compare auto insurance pricing uses one simple form to obtain quotes from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much more enjoyable and efficient. Immediately after you send the form, it is rated and you are able to buy any or none of the pricing results.

If a lower price is quoted, you simply finish the application and buy the new coverage. It can be completed in less than 10 minutes and may result in a nice savings.

To quickly compare rates using this form now, click here and begin entering your coverage information. If you have coverage now, it’s recommended that you enter deductibles and limits exactly as they are listed on your policy. This guarantees you are getting rate comparison quotes based on the exact same insurance coverage.

When might I need help?

When choosing the right insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

  • What if I total my 2013 BMW 1 Series and owe more than it’s worth?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need roadside assistance coverage?
  • Am I covered when delivering products for my home-based business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is there coverage for injuries to my pets?
  • When do I need to add a new car to my policy?
  • When should my teen driver be added to my policy?
  • What is the ISO rating for a 2013 BMW 1 Series?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance 101

Learning about specific coverages of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most car insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for pain medications, prosthetic devices, ambulance fees and X-ray expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people. It does not 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 liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, rolling your car, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive car insurance

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

Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More comparisons equals lower rates

Throughout this article, we presented many tips how you can save on 2013 BMW 1 Series insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with an unexpected company. Smaller companies can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

Budget-conscious insurance is attainable on the web in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some car insurance companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

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