Cheap 2013 BMW ALPINA B7 Car Insurance Rates

Are you irritated from not being able to scrape enough together to make your car insurance payment? You’re in the same situation as most other people. Online insurance companies like Allstate and Progressive all claim big savings, bombarding you with TV and radio ads and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

It’s a good habit to get comparison quotes yearly because prices fluctuate regularly. If you had the lowest quotes for ALPINA B7 insurance on your last policy you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because we’re going to show you one of the best ways to save on car insurance.

How to shop auto insurance online

There are a variety of methods to compare auto insurance prices but some are less time-consuming than others. You could waste time driving to agents in your area, or you could save time and use the internet to get pricing more quickly.

Most major companies are enrolled in a marketplace that enables customers to only type in their quote data once, and every company returns a competitive quote determined by their information. This system prevents you from having to do quote forms to each company. To find out what other companies charge click here to open in new window.

The one downside to using this type of form is buyers cannot specifically choose the companies to receive prices from. So if you prefer to pick specific insurance companies to compare rates, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, try to use equivalent quote information on every quote you get. If you use different values for each quote it will be nearly impossible to determine which rate is truly the best.

Auto insurance rates and discounts

Auto insurance is easily one of your largest bills, but you might be missing out on some discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be specially asked for prior to getting the savings.

  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • More Vehicles More Savings – Drivers who insure multiple cars or trucks on a single policy could earn a price break for each car.
  • Low Miles Discount – Fewer annual miles on your BMW may allow you to get better prices on cars that stay parked.
  • College Student Discount – Older children who live away from home to go to college and do not take a car to college can be insured at a reduced rate.
  • One Accident Forgiven – This one is not really a discount per se, but some companies like Liberty Mutual and Geico will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears all the discounts add up to a free policy, you’re out of luck.

Large auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Geico includes discounts for anti-theft, daytime running lights, membership and employees, multi-policy, emergency military deployment, military active duty, and good student.
  • MetLife may include discounts for good driver, accident-free, good student, defensive driver, and multi-policy.
  • State Farm may offer discounts for multiple autos, multiple policy, safe vehicle, defensive driving training, accident-free, and good student.
  • Progressive policyholders can earn discounts including homeowner, multi-vehicle, continuous coverage, multi-policy, online quote discount, good student, and online signing.
  • Mercury Insurance has savings for good driver, type of vehicle, annual mileage, location of vehicle, anti-theft, multi-car, and professional/association.
  • 21st Century offers premium reductions for teen driver, air bags, automatic seat belts, theft prevention, student driver, and defensive driver.
  • Allstate discounts include utility vehicle, passive restraint, anti-theft, good student, early signing, EZ pay plan discount, and good payer.

If you need lower rates, check with each company how you can save money. Discounts may not be available in your area.

Situations that may require an agent’s advice

When choosing the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • Do I need PIP coverage since I have good health insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does liability extend to a camper or trailer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When would I need additional glass coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if my car is in a flood?
  • Should I have a commercial auto policy?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Parts of your insurance policy

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your BMW ALPINA B7.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability coverages – This coverage can cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as structural damage, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Coverage for medical payments – Med pay and PIP coverage reimburse you for bills such as chiropractic care, funeral costs and pain medications. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, scraping a guard rail, hitting a parking meter, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages – 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 then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.