Save on 2013 BMW 6 Series Gran Coupe Car Insurance Quotes

Trying to find lower auto insurance rates for your BMW 6 Series Gran Coupe? Feel like you’re a prisoner to high-priced auto insurance? Believe me, you’re not alone.

Because there are so many companies and agents to choose from, it can be challenging to locate the right provider.

Elements that influence BMW 6 Series Gran Coupe insurance rates

Smart consumers have a good feel for the different types of things that play a part in calculating insurance coverage rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations like judges, architects and accountants have higher rates than average because of high stress levels and long work days. On the flip side, occupations like pilots, athletes and homemakers get better rates for 6 Series Gran Coupe insurance.
  • Your spouse saves you money – Having a spouse can get you a discount on your policy. Having a significant other translates into being more mature than a single person and it’s proven that married couples file fewer claims.
  • Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Men fork out a little more – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Men and women have accidents at about the same rate, but men tend to have more serious accidents. Men also get cited for more serious violations like reckless driving and DUI.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies award lower rates to drivers who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
  • High deductibles save money – The deductibles define the amount you are willing to pay before your insurance coverage pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and windstorm damage. The more money the insured has to pay upfront, the less your insurance coverage will be for 6 Series Gran Coupe insurance.

How to Compare Car Insurance Quotes

Comparing car insurance rates can be a daunting task if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) driving to local insurance agents in your area, or you could use online quoting to get prices fast.

Many insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and each company can provide price quotes based on that data. This prevents consumers from doing quotation requests for every car insurance company.

To find out what other companies charge for 2013 BMW 6 Series Gran Coupe insurance click here (opens in new window).

The single downside to comparing rates this way is buyers cannot specifically choose the companies to get pricing from. So if you want to choose specific providers to receive pricing from, we have assembled a list of low cost car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverage limits for each comparison quote. If you compare mixed coverages it will be next to impossible to determine the lowest rate for your BMW 6 Series Gran Coupe. Quoting even small variations in insurance coverages can result in a big premium difference. Just keep in mind that obtaining a wide range of quotes helps locate lower pricing.

Take advantage of discounts

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be asked about before they will apply.

  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Accident Waiver – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Homeowners Discount – Owning a house may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up on their website.
  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates you can get free auto insurance, it just doesn’t work that way. Any amount of discount will reduce the amount you have to pay.

Companies that may offer these benefits include:

Double check with every prospective company how you can save money. Savings might not be offered everywhere.

How to know if you need help

When it comes to buying the best car insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

  • Do I need more liability coverage?
  • Is my teenager covered with friends in the car?
  • When would I need additional glass coverage?
  • Am I insured when driving a different vehicle?
  • Do I have coverage when making deliveries for my home business?
  • Which is better, split liability limits or combined limits?
  • Do I pay less for low miles?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverages explained

Knowing the specifics of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.

Collision insurance

This coverage will pay to fix damage to your 6 Series Gran Coupe resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses such as nursing services, rehabilitation expenses, ambulance fees, dental work and doctor visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible


Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, medical expenses, loss of income, emergency aid and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, hitting a deer, damage from a tornado or hurricane, rock chips in glass and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your BMW 6 Series Gran Coupe.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Knowledge is power

Lower-priced 2013 BMW 6 Series Gran Coupe insurance can be purchased both online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and these smaller companies work with independent agents.

When you buy insurance online, never reduce coverage to reduce premium. In too many instances, someone sacrificed comprehensive coverage or liability limits and learned later they didn’t have enough coverage. The aim is to buy the best coverage you can find at an affordable rate while still protecting your assets.

You just learned many ideas to shop for insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best prices are with a small mutual company. They may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.

More information is located at the links below