Cheap 1997 BMW 8 Series Car Insurance Quotes

Searching for the cheapest car insurance rates for your BMW 8 Series? Comparing and finding low cost rates for car insurance can seem to be quite difficult for drivers who are new to online comparison shopping. Drivers have so many choices that it can quickly become a big hassle to locate the lowest rates.

How to buy insurance online

Performing a rate comparison can be exhausting if you don’t know the most efficient way to do it. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could save time and use the web to quickly compare rates.

Most car insurance companies take part in a program that allows shoppers to submit their information once, and each participating company can give them a price determined by their information. This saves time by eliminating quotation requests for every insurance company. To access this free quoting program, click to open in new window.

The only downside to getting quotes like this is you don’t know exactly the providers you want pricing from. So if you prefer to choose individual companies to receive pricing from, we have assembled a list of insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just make sure you are using exactly the same deductibles and coverage limits for each comparison quote. If you use higher or lower deductibles it will be next to impossible to find the best deal for your BMW 8 Series. Just slight variations in insurance coverages could skew the results. And when comparing insurance rates, know that having more price comparisons increases the change that you will find better pricing.

Don’t be fooled by advertising claims

Big name companies like Allstate and Progressive endlessly run ads on TV and radio. They all make the same claim that drivers can save some big amount if you get a free insurance coverage quote and switch your insurance coverage to their company. But how can every company give you a better price? This is the trick they use.

All companies look for specific characteristics for the type of insured that will add to their bottom line. An example of a profitable insured could possibly be between the ages of 30 and 45, has no tickets, and drives less than 5,000 miles a year. Anybody that fits those parameters will probably get cheap premium rates and will save when switching.

Drivers who are not a match for the “perfect” profile will probably be forced to pay a more expensive rate which usually ends up with the customer not purchasing. The ads state “people that switch” not “all people who quote” save that much. This is how companies can advertise the savings.

Because of the profiling, it is so important to get as many free insurance coverage quotes as possible. You cannot predict which insurance companies will be your best fit.

Find discounts on insurance coverage

Companies offering auto insurance don’t always list every discount very well, so the following list contains both well-publicized and the more hidden credits available to bring down your rates. If you are not receiving all the discounts you deserve, you are paying more than you should be.

  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for 8 Series insurance than their less cautious counterparts.
  • New Vehicle Savings – Buying a new car model can be considerably cheaper because new vehicles are generally safer.
  • Student Driver Training – Teen drivers should enroll and complete driver’s education in school.
  • Club Memberships – Being in certain professional organizations is a simple method to lower premiums on your next insurance coverage statement.
  • Save with More Vehicles Insured – Insuring more than one vehicle on a single policy can reduce the rates for all insured vehicles.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.

One thing to note about discounts is that some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way.

To find companies who offer cheap insurance coverage quotes, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

  • Does insurance cover damages from a DUI accident?
  • Can I still get insurance after a DUI?
  • Is my dog or cat covered if injured in an accident?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why do I need rental car insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when driving a rental car?
  • Should I buy additional glass protection?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverage options for a BMW 8 Series

Having a good grasp of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your BMW 8 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 is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverage – Collision coverage pays for damage to your 8 Series resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability coverage – This coverage can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as loss of income, attorney fees, structural damage, pain and suffering and medical expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, damage from a tornado or hurricane and hitting a bird. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, hospital visits, nursing services, rehabilitation expenses and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Shop smart and save

Insureds leave their current company for any number of reasons including high prices, poor customer service, delays in responding to claim requests and not issuing a premium refund. It doesn’t matter what your reason, choosing a new company is easier than you think.

Cost effective 1997 BMW 8 Series insurance is attainable from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide price quotes online and these regional carriers only sell coverage through local independent agencies.

When searching for cheap insurance coverage quotes, you should never skimp on coverage in order to save money. There have been many situations where drivers have reduced full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

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