2017 BMW 2 Series Insurance Quotes

Trying to come up with a payment for expensive car insurance can dwindle your personal savings and possibly require you to analyze your spending habits. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income.

Vehicle owners have multiple insurance companies to choose from, and although it’s nice to have a selection, it can be more difficult to get the best deal.

Buying the best protection is simple if you know the tricks. If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates while maintaining coverages. Drivers just need to know the best way to shop on the web.

Ways to get car insurance quotes

Finding more affordable 2017 BMW 2 Series car insurance quotes can be relatively painless. The only thing you need to do is take a couple of minutes to compare rate quotes from some recommended companies. It is quite easy and can be accomplished in several different ways.

  • If you’re in a hurry, the quickest way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form saves time by eliminating repetitive form entry for every prospective company. Completing one form gets you price quotes from many national carriers.
  • A harder way to get comparison quotes is spending the time to visit each company’s website and get a separate price quote. For instance, let’s say you need rates from Nationwide, Esurance and Geico. You would need to spend time going to each site individually and repeatedly type in your coverage information, which can get rather old. To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you use apples-to-apples coverage information on every quote. If the quotes have different limits and deductibles on each one it will be next to impossible to make an equal comparison.

The largest companies are not always cheapest

Drivers get pounded daily by advertisements for cheaper insurance by companies like Progressive, Geico, Allstate and State Farm. They all advertise claims that drivers will save a bundle after switching your policy.

How can each company sell you cheaper insurance coverage? It’s all in the words they use.

Most companies require specific criteria for the type of customer that will be a good risk. For instance, a desirable insured could be between the ages of 40 and 55, carries high limits, and chooses high deductibles. A propective insured who matches that profile will probably get the lowest car insurance rates and as a result will probably cut their rates substantially.

Potential customers who don’t measure up to these criteria will probably have to pay a higher premium which translates to the prospect going elsewhere. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” save that much. This is how companies can advertise the savings.

This really illustrates why you should compare price quotes frequently. It is impossible to guess the company that will have the best prices at this point in time.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t always publicize all available discounts in a way that’s easy to find, so we researched some of the best known and also the more inconspicuous credits that you can use to lower your rates.

  • No Charge for an Accident – This one isn’t a discount, but some companies like State Farm and Allstate will turn a blind eye to one accident without raising rates so long as you are claim-free prior to being involved in the accident.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents may receive a discount up to 45% for 2 Series coverage as compared to drivers with claims.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the premium charged for medical payments and/or PIP.
  • No Claims – Good drivers with no accidents are rewarded with significantly better rates on insurance quote compared to drivers with a long claim history.
  • Employee of Federal Government – Having worked for a branch of the government could qualify for a slight premium decrease for 2 Series coverage with a few car insurance companies.
  • Buy New and Save – Putting coverage on a new car can save you some money compared to insuring an older model.
  • Sign Online – A handful of insurance companies will give you a small discount get insurance on the internet.
  • Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.

Discounts save money, but please remember that many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, it just doesn’t work that way.

A list of companies and a summarized list of policyholder discounts are detailed below.

  • State Farm may offer discounts for Drive Safe & Save, multiple policy, good student, defensive driving training, and multiple autos.
  • Geico offers premium reductions for five-year accident-free, anti-lock brakes, emergency military deployment, multi-policy, anti-theft, air bags, and good student.
  • SAFECO may include discounts for anti-lock brakes, anti-theft, drive less, teen safe driver, teen safety rewards, and multi-car.
  • Farmers Insurance offers discounts for early shopping, homeowner, electronic funds transfer, switch companies, and multi-car.
  • AAA offers discounts including anti-theft, education and occupation, AAA membership discount, good student, multi-car, good driver, and pay-in-full.
  • USAA discounts include family discount, annual mileage, new vehicle, multi-policy, safe driver, and multi-vehicle.

When getting a coverage quote, ask every company which discounts you qualify for. Some discounts listed above may not be available in every state. To see a list of insurers who offer discounts, click this link.

Auto insurance is unique, just like you

When buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions could help you determine whether you would benefit from professional advice.

  • Who is covered when they drive my 2017 BMW 2 Series?
  • Is my teenager covered with friends in the car?
  • Do I have coverage if my license is suspended?
  • What happens if I owe more than my 2017 BMW 2 Series is worth?
  • Can I rent a car in Mexico?
  • What is the minimum liability in my state?
  • Is my state a no-fault state?
  • Can I afford to buy a different vehicle if my 2017 BMW 2 Series is totaled?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Coverages available on your policy

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your BMW 2 Series.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – Comprehensive insurance covers 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 insurance covers things like theft, hitting a bird, rock chips in glass, a tree branch falling on your vehicle and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – Liability coverage will cover damages or injuries you inflict on a person or their property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like repair costs for stationary objects, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Collision coverage – Collision insurance will pay to fix damage to your 2 Series caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to bring the cost down.

Medical expense insurance – Med pay and PIP coverage kick in for bills for things like rehabilitation expenses, ambulance fees, chiropractic care, funeral costs and nursing services. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Knowledge is power

Lower-priced 2017 BMW 2 Series insurance can be sourced from both online companies in addition to local insurance agencies, and you should be comparing both to get a complete price analysis. Some insurance providers may not offer internet price quotes and most of the time these smaller providers provide coverage only through independent agents.

You just read a lot of tips how to shop for 2017 BMW 2 Series insurance online. It’s most important to understand that the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the best rates are with a smaller regional carrier. These smaller insurers may have significantly lower car insurance rates on certain market segments compared to the large companies like Allstate and Progressive.

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