2016 BMW 4 Series Gran Coupe Insurance Rates – 8 Tips for Best Quotes

I can’t think of anyone who anticipates paying for insurance coverage, especially when they could find better rates elsewhere.

You have multiple insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more difficult to compare rates.

The method we recommend to compare rates takes advantage of the fact car insurance companies participate in online systems to quote your coverage. The only thing you need to do is provide a small amount of information such as whether you have decent credit, whether the vehicles are used for commuting, your education level, and the make and model of your vehicles. That information is automatically sent to insurance companies and they return cost estimate immediately.

To compare multiple company rates now, click here and enter your coverage details.

How much insurance do I need?

When buying the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Does coverage extend to Mexico or Canada?
  • Does insurance cover damages from a DUI accident?
  • Am I covered when driving someone else’s vehicle?
  • Are my friends covered when driving my car?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance coverages explained

Having a good grasp of auto insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your BMW 4 Series Gran Coupe.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses like dental work, hospital visits and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Liability car insurance

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as structural damage, medical services, emergency aid, medical expenses and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, rock chips in glass, hitting a deer, damage from flooding and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This will pay to fix damage to your 4 Series Gran Coupe resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, crashing into a building, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.