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BMW 4 Series Insurance Cost

Comparing auto insurance by comparing rates online can be fast and easy and there is a good chance you can save money. The most important part is to take the time to get rates from all providers in order to accurately compare the lowest rate quotes.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of online companies offering insurance. Lowering your 4 Series insurance rates can be quick and easy. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This can be done by getting a quick quote here.

Car insurance premiums paid to insure a BMW 4 Series can vary widely depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating
  • Male drivers pay higher rates
  • The deductible you choose
  • Safety rating of your 4 Series
  • Your claim history
  • No coverage lapses saves money
  • Whether you own your home

An additional factor that can impact 4 Series insurance cost is the year of the vehicle. Models that are new have a higher value than older models so the cost to replace them can inflate annual premiums. Conversely, new BMW models may have safety features such as a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which can help offset higher rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance

This coverage provides protection from damage that occurs to a person or their property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available and may carry a deductible.

How Much are BMW 4 Series Insurance Rates?