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BMW 4 Series Gran Coupe Insurance Quotes

Shopping for auto insurance through online rate quotes can be fast and easy, plus you might just save a little. The most important part is to compare rates from as many companies as possible so you can get every possible rate.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Reducing your 4 Series Gran Coupe insurance cost can be surprisingly simple. All that's required is to spend a few minutes on the computer to get quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by...

Auto insurance rates for your BMW 4 Series Gran Coupe will vary greatly depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Your credit history
  • Where you reside can make a big difference
  • High miles vs. low miles
  • Men typically pay more than women
  • Low deductibles cost more
  • Crash test rating for your 4 Series Gran Coupe
  • Claims drive up premiums
  • No coverage lapses saves money
  • Home ownership saves money

A final factor that will help determine 4 Series Gran Coupe insurance quotes is the model year. New vehicles have a higher replacement value in comparison to later models so the cost to replace them will push premiums up. Conversely, more recent BMW vehicles may have a trim level with safety features such as tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes so those may give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability

This coverage will cover damage or injury you incur to other's property or people by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your BMW resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your BMW 4 Series Gran Coupe comprehensive insurance. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are BMW 4 Series Gran Coupe Insurance Rates?