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BMW 4 Series Insurance Cost

You have lots of choices when finding cheaper insurance coverage on your BMW vehicle. You can buy from an agent or go online to compare insurance costs of insurance providers. Finding cheaper auto insurance by comparing rates online can be fast and easy and at the same time you can save money.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online companies offering insurance. Finding cheaper coverage prices can be quick and easy. All you need to do is take the time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence car insurance premiums?

Car insurance premiums paid to insure a BMW 4 Series can be significantly different depending on several factors. Taken into consideration are:

  • Higher performance 4 Series vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Special coverage such as replacement cost
  • Your claim history
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

An additional factor which can affect 4 Series insurance cost is the year of the vehicle. Models that are new have a higher actual cash value than older models so the cost to replace them may end up costing you more. But newer vehicles may have safety features including adaptive cruise control, lane departure warning system, and pedestrian detection that may help help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your 4 Series from available model years below.

Auto liability insurance

This coverage can cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision protection

This covers damage to your BMW from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance

This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount 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 it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.

How Much are BMW 4 Series Insurance Rates?