2009 BMW 6 Series Car Insurance Rates – 6 Savings Tips

Wish you could get out of an underperforming, overpriced insurance policy? Believe me when I say there are lots of residents who feel the same.

Drivers have so many car insurance companies to buy insurance from, and though it is a good thing to have a selection, it can be more difficult to locate the cheapest rates.

It’s a good habit to shop coverage around once or twice a year because insurance prices change frequently. Even if you got the lowest price for 6 Series insurance a few years ago you may be paying too much now. Ignore everything you know about insurance because you’re about to find out the fastest and easiest way to find great coverage at a great price.

Do you qualify for discount insurance coverage?

Companies that sell car insurance don’t always publicize their entire list of discounts in an easy-to-find place, so the list below gives a summary of both well-publicized and the more hidden insurance coverage savings.

  • Defensive Driver – Passing a course in defensive driving is a good idea and can lower rates and make you a better driver.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use a seat belt can save 10% or more on medical payment and PIP coverage.
  • Homeowners Savings – Just being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and will save you 10% or more.
  • Claim Free – Insureds with no claims or accidents can earn big discounts as opposed to insureds who have frequent claims or accidents.
  • Pay Early and Save – If you pay your bill all at once rather than paying monthly you can avoid monthly service charges.

As a sidenote, some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free insurance coverage policy, it doesn’t quite work that way.

A list of companies and their possible discounts can be read below.

  • 21st Century policyholders can earn discounts including theft prevention, student driver, early bird, defensive driver, and good student.
  • Progressive may have discounts that include online signing, online quote discount, homeowner, continuous coverage, and multi-policy.
  • State Farm has discounts for student away at school, multiple autos, safe vehicle, Steer Clear safe driver discount, and accident-free.
  • Nationwide offers discounts for family plan, multi-policy, business or organization, easy pay, accident-free, defensive driving, and good student.
  • Esurance offers premium reductions for Pac-12 alumni, renters, homeowner, DriveSense, anti-lock brakes, claim free, and safety device.
  • The Hartford has savings for vehicle fuel type, defensive driver, air bag, anti-theft, driver training, good student, and bundle.

Double check with every prospective company what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies in your area. To see insurance coverage companies who offer online insurance coverage quotes, click here.

What insurance coverages do I need?

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For example, these questions may help highlight whether you would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • How much liability insurance is required?
  • Do I need medical payments coverage since I have good health insurance?
  • Which is better, split liability limits or combined limits?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can I still get insurance after a DUI?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance 101

Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, falling objects and vandalism. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2009 BMW 6 Series.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability

This protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, bail bonds, attorney fees, structural damage and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for EMT expenses, prosthetic devices, rehabilitation expenses, funeral costs and pain medications. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Make an honest buck

Cheaper 2009 BMW 6 Series insurance can be found on the web as well as from independent agents, so you need to quote car insurance with both to have the best chance of lowering rates. A few companies may not have online rate quotes and many times these smaller providers only sell coverage through independent insurance agencies.

When you buy car insurance online, it’s a bad idea to buy poor coverage just to save money. There are many occasions where drivers have reduced liability coverage limits only to find out they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

More detailed car insurance information is located by following these links: