2013 BMW 6 Series Insurance Quotes – 10 Tips to Save

Searching for better car insurance rates for your BMW 6 Series? Expensive car insurance can overdraw your personal savings, especially in this economy. Comparing price quotes is a smart way to cut your insurance bill. Companies like Progressive, State Farm and Geico all claim big savings with advertising and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.

Insurance Quote Comparison

Shopping for lower insurance rates can be exhausting if you aren’t aware of the most efficient way. You can waste hours talking about coverages with agents in your area, or you can utilize online quoting to get rates in a matter of minutes.

Many of the larger companies belong to an insurance system where prospective buyers enter their policy data once, and each company provides a quote for coverage. This system prevents you from having to do quote requests to each individual insurance company. To get comparison pricing now click here (opens in new window).

The one disadvantage to pricing coverage this way is that consumers can’t choose the companies to get pricing from. So if you prefer to choose individual companies to compare, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use apples-to-apples coverage limits with every price quote. If the quotes have unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best.

Situations that might require an agent

When it comes to choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine if your insurance needs could use an agent’s help.

• Can I get a multi-policy discount?
• When would I need rental car insurance?
• Do all my vehicles need collision coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Why do I only qualify for high-risk insurance?
• What are the financial responsibility laws in my state?
• When should I not file a claim?
• How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Information about specific coverages

Understanding the coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most car insurance policies.

Coverage for liability

This coverage can cover damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things like medical expenses, court costs, repair bills for other people’s vehicles, legal defense fees and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like hospital visits, prosthetic devices, chiropractic care and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hail damage, vandalism and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, crashing into a building, backing into a parked car, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.