Lower Your 2014 BMW 4 Series Insurance Rates

Shopping for budget-priced insurance coverage over the internet can seem to be intimidating for drivers who are new to shopping for insurance on the internet. With a ridiculous number of companies in the marketplace, how can anyone have time to compare all the different companies and get the best available price?

It’s important to check insurance coverage prices before your next renewal because insurance coverage prices are adjusted regularly by insurance companies. Even if you got the lowest rates on 4 Series insurance a year ago you will most likely find a better rate quote today. Forget all the misinformation about insurance coverage because it’s time to teach you one of the quickest ways to find lower rates on insurance coverage.

Finding the best rates is quite easy. Essentially anyone who is shopping for insurance stands a good chance to be able to save money. Nevertheless, consumers can benefit from knowing how insurance companies price online insurance and use this information to your advantage.

Discounts for lower-cost auto insurance quotes

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many consumers don’t even know exist. Many discounts should be triggered when you get a quote, but occassionally some discounts must be specifically requested before you will receive the discount.

  • Paperless Signup – Many auto insurance companies will provide an incentive for buying your policy online.
  • Early Signing – Some larger companies give discounts for switching policies before your current policy expires. This discount can save up to 10%.
  • Discount for Life Insurance – Select insurance carriers reward you with a lower rate if you buy life insurance from them.
  • Cautious Drivers – Insureds without accidents can get discounts for up to 45% lower rates on 4 Series insurance than drivers with accident claims.
  • Home Ownership Discount – Simply owning a home may earn you a small savings because maintaining a house requires personal responsibility.
  • Memberships – Affiliation with a professional or civic organization is a simple method to lower premiums when shopping for auto insurance.
  • Defensive Driver – Taking part in a course in safe driver could earn you a small percentage discount and easily recoup the cost of the course.
  • No Claim Discounts – Claim-free drivers pay much less compared to policyholders that have many claims.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
  • Discount for Passive Restraints – Cars that have air bags or automatic seat belts can get savings of more than 20%.

Please keep in mind that some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.

The best auto insurance companies and some of the premium reductions they offer include:

  • State Farm offers discounts including anti-theft, Steer Clear safe driver discount, Drive Safe & Save, driver’s education, accident-free, and safe vehicle.
  • Esurance has savings for renters, Pac-12 alumni, anti-lock brakes, emergency road assistance, anti-theft, claim free, and Switch & Save.
  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, multi-policy, homeowner, continuous coverage, good student, and online signing.
  • Liberty Mutual offers discounts for new vehicle discount, good student, newly retired, preferred payment discount, new graduate, and multi-policy.
  • Auto-Owners Insurance discounts include mature driver, group or association, anti-lock brakes, good student, and student away at school.
  • Geico has discounts for multi-policy, driver training, multi-vehicle, air bags, military active duty, and defensive driver.

When getting free insurance quotes, it’s a good idea to every prospective company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in your state. If you would like to choose from a list of insurance companies that offer the discounts shown above, click here.

How to get free auto insurance quotes online

The are a couple different ways of comparing price quotes from auto insurance companies in your area. The easiest way to compare 2014 BMW 4 Series insurance prices is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

The most efficient way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This quick form prevents you from having to do boring form submissions to each individual auto insurance company. A single form gets you coverage quotes from multiple low-cost companies. It’s definitely the quickest method.

A more time consuming way to find lower rates requires a trip to each company website and get a separate price quote. For examples sake, we’ll assume you want to compare rates from Progressive, 21st Century and State Farm. To do that, you would have to take the time to go to each site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method.

For a list of companies in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare identical coverages and limits with every price quote. If you use unequal deductibles or liability limits then you won’t be able to make an equal comparison. Just slight variations in insurance coverages may cause a big price difference. Keep in mind that comparing more quotes increases your odds of finding more affordable insurance.

You may need specialized insurance coverage coverage

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you would benefit from an agent’s advice.

  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I break a side mirror?
  • Can I make deliveries for my home business?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need rental car coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is the minimum liability in my state?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage considerations

Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision coverage – Collision coverage pays to fix your vehicle from damage 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 such as rolling your car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance – Liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims. Liability 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 values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees, emergency aid and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hail damage, damage from flooding and rock chips in glass. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like surgery, rehabilitation expenses, doctor visits and ambulance fees. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Shop smart and save

When searching for cheaper insurance quotes, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped full coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Insureds change insurance companies for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, being labeled a high risk driver or unfair underwriting practices. No matter why you want to switch, finding a great new company is easier than you think.

We just showed you a lot of information how to save on 2014 BMW 4 Series insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even discover the lowest prices come from an unexpected company.

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