2013 BMW X1 Insurance Quotes – 10 Policy Discounts

Finding better insurance prices for a new or used BMW X1 can be difficult, but you can learn the following methods to save time.

There are both good and bad ways to find insurance online and we’ll show you the quickest way to get price quotes on a BMW and locate the best price possible either online or from local insurance agents.

If you have insurance now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Pricing cheaper car insurance is not that difficult. Drivers just need to understand the proper methods to shop for car insurance on the web.

How to shop car insurance online

Finding low cost 2013 BMW X1 car insurance rates doesn’t have to be difficult. You just need to spend a few minutes comparing price quotes online with multiple companies. It’s super easy and can be done in several different ways.

  1. The first (and easiest) way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing separate quote forms for every prospective company. One form compares rates instantly. It’s the fastest way to compare.
  2. A different way to analyze rates consists of going to the website of each company and complete a new quote form. For example, we’ll assume you want comparison quotes from USAA, Liberty Mutual and State Farm. You would need to visit each site and repeatedly enter your information, which is not fast way to get rate quotes. For a list of companies in your area, click here.

How you compare quotes is your choice, just make sure you use exactly the same deductibles and coverage limits for every quote you compare. If you use different data it will be next to impossible to determine the best price for your BMW X1.

Lower-cost insurance quotes with discounts

Car insurance companies do not advertise the complete list of policy discounts very clearly, so the list below gives a summary of a few of the more well known and the harder-to-find discounts that you may qualify for.

  • Multiple Vehicles – Buying coverage for multiple cars or trucks on a single policy can reduce the rates for all insured vehicles.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20% or more.
  • One Accident Forgiven – but companies like Allstate and Geico will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to the accident.
  • Memberships – Belonging to qualifying clubs or civic groups is a simple method to lower premiums on your policy.
  • Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
  • College Student – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle could qualify for this discount.
  • Senior Citizens – Older drivers may be able to get a small discount on rates for X1 insurance.
  • Military Deployment Discount – Being on active duty in the military could trigger a small discount.
  • Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction for X1 insurance but check with your company.
  • Paperwork-free – A few larger online companies will provide an incentive for signing up online.

It’s important to understand that some credits don’t apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. So even though you would think you could get a free insurance policy, company stockholders wouldn’t be very happy.

If you would like to see a list of insurance companies who offer insurance discounts, click here.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • How much can I save by bundling my policies?
  • When should I not file a claim?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need added coverage for expensive stereo equipment?
  • Where can I get insurance after a DUI in my state?
  • What can I do if my company denied a claim?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Learn about insurance coverages for a 2013 BMW X1

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision – Collision coverage pays for damage to your X1 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, damaging your car on a curb, crashing into a building, backing into a parked car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your BMW X1.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Auto liability insurance – Liability coverage can cover injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values 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 a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as pain and suffering, loss of income, funeral expenses, court costs and legal defense fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, fire damage, rock chips in glass and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, ambulance fees, pain medications, funeral costs and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Buy online or local, you save

Consumers switch companies for any number of reasons including denial of a claim, an unsatisfactory settlement offer, not issuing a premium refund and even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

We’ve covered a lot of tips how to compare 2013 BMW X1 insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even discover the lowest prices are with a company that doesn’t do a lot of advertising.

As you quote auto insurance, never sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. Your objective should be to purchase plenty of coverage for the lowest price.

Other information