2018 BMW 6 Series Gran Coupe Insurance Rates – 7 Policy Discounts

Searching for lower insurance rates for your BMW 6 Series Gran Coupe? Did you come to the realization that you have overpriced insurance? Trust us when we tell you many consumers are in the same pinch.

Insurance companies such as Progressive, Geico and Farmers Insurance continually bombard you with fancy advertisements and it can be hard to see past the corporate glitz and take the time to shop coverage around.

It’s smart to compare prices every six months because insurance rates tend to go up over time. Even if you got the best deal for 6 Series Gran Coupe insurance last year there is a good chance you can find better prices now. Block out anything you think you know about insurance because you’re going to learn the tricks you need to know to lower your annual insurance bill.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. Buying car insurance is not rocket science. But car owners should learn how companies compete online and apply this information to your search.

How to get auto insurance price quotes

Most companies allow consumers to get prices direct online. Doing online quotes is very simple as all you need to do is type in the coverage amounts you desire as requested by the quote form. Upon sending the form, their system automatically orders your driving record and credit report and provides a quote. Online quotes makes it simple to compare prices but the work required to visit different websites and type in your information can get tiresome after awhile. But it’s very important to get many rate quotes if you want to get the lowest auto insurance rates.

There is an easier way!

A less time-consuming method to find better auto insurance pricing uses one simple form to obtain quotes from multiple companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much simpler. After your information is entered, it is quoted and you are able to buy your choice of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process only takes a few minutes and you’ll know if lower rates are available.

If you want to find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you enter the coverages identical to your current policy. Doing this assures you will have comparison quotes using the same coverage and limits.

Can you really save if you switch?

Well-known car insurance companies like Allstate and Progressive consistently run television and radio advertisements. All the companies make an identical promise that you can save if you get a free auto insurance quote and switch to them. How does every company charge you a lower premium? This is the way they can do it.

Companies require specific criteria for the type of driver that will not have excessive claims. A good example of a desirable risk might have to be between 30 and 50, has no tickets, and insures a new vehicle. Any customer who fits those characteristics receive the lowest rate quotes and will also save money with a new company.

Consumers who cannot meet those criteria may receive higher rates and the customer buying from someone else. If you pay attention, the ads say “customers who switch” not “everyone that quotes” will save that much if they switch. That’s the way insurance companies can claim big savings. This really drives home the point why it’s extremely important to get auto insurance quotes as often as possible. It is impossible to guess which car insurance company will be your best fit.

Auto insurance discounts are available to cut your rates

Buying auto insurance is not cheap, but you might already qualify for some discounts to cut the cost considerably. Certain reductions will be credited at the time of purchase, but some discounts are required to be asked about prior to receiving the credit.

  • Discounts for Federal Employees – Simply working for the federal government may reduce rates when you quote auto insurance for 6 Series Gran Coupe insurance with certain companies.
  • Full Payment Discount – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
  • Distant Student – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • 55 and Retired – If you qualify as a senior citizen, you are able to get a small decrease in premiums for 6 Series Gran Coupe insurance.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
  • Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount until age 25.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.

You should keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky.

Popular auto insurance companies and a partial list of their discounts are shown below.

  • State Farm may include discounts for accident-free, multiple policy, Drive Safe & Save, good student, safe vehicle, multiple autos, and student away at school.
  • Progressive discounts include good student, online signing, online quote discount, multi-vehicle, continuous coverage, and homeowner.
  • Progressive offers discounts including multi-policy, online quote discount, homeowner, good student, and online signing.
  • MetLife has discounts for defensive driver, good driver, claim-free, accident-free, and good student.
  • Farm Bureau policyholders can earn discounts including youthful driver, good student, safe driver, renewal discount, multi-policy, 55 and retired, and driver training.
  • Geico includes discounts for driver training, anti-lock brakes, daytime running lights, defensive driver, and emergency military deployment.
  • SAFECO may have discounts that include multi-car, bundle discounts, anti-theft, safe driver, anti-lock brakes, teen safe driver, and teen safety rewards.

If you need lower rates, check with every prospective company to give you their best rates. Some of the discounts discussed earlier may not apply to policyholders in your area. To view auto insurance companies that offer the discounts shown above, follow this link.

Everyone needs different car insurance coverages

When choosing the best car insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether you could use an agent’s help.

  • Is motorclub coverage worth it?
  • Is a blown tire covered by insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I buy full coverage?
  • Which companies will insure high-risk drivers?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do all my vehicles need collision coverage?
  • Are rental cars covered under my policy?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Insurance policy specifics

Learning about specific coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Medical payments coverage and PIP – Med pay and PIP coverage pay for bills for pain medications, rehabilitation expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – This pays to fix your vehicle from damage 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 can pay for claims like hitting a mailbox, damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your BMW 6 Series Gran Coupe.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability – This coverage will cover damages or injuries you inflict on other people or property. 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 limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, court costs, repair bills for other people’s vehicles, bail bonds and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

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

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle and vandalism. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Get your money’s worth

Affordable 2018 BMW 6 Series Gran Coupe insurance is available on the web and from local agencies, and you should compare price quotes from both to get a complete price analysis. Some companies may not have the ability to get quotes online and usually these regional carriers work with local independent agents.

When shopping online for insurance, it’s very important that you do not reduce needed coverages to save money. There have been many cases where someone sacrificed full coverage only to regret that it was a big mistake. Your goal is to get the best coverage possible at the best cost but still have enough coverage for asset protection.

We just covered some good ideas how to compare 2018 BMW 6 Series Gran Coupe insurance prices online. The most important thing to understand is the more providers you compare, the higher your chance of finding cheap auto insurance. You may even discover the most savings is with a smaller regional carrier. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

Additional insurance information is located at the links below