2015 BMW X4 Insurance Quotes

If you’re new to shopping for auto insurance online, you may be overwhelmed due to the large number of online companies competing for business.

The purpose of this post is to teach you how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Although vehicle owners can benefit from knowing how companies sell online.

Car Insurance Comparison Rates

When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The easiest way to find the lowest 2015 BMW X4 rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do repetitive form submissions for each company you want a rate for. Taking the time to complete one form gets you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to find lower rates requires you to visit the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from Auto-Owners, Allstate and State Farm. To find out each rate you need to go to every website and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming method to compare rates is to drive around to different agent offices. The internet can eliminate the need for a local agent unless you prefer the professional guidance only provided by licensed agents. It is possible to find lower rates online and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverage information for each comparison quote. If the quotes have unequal deductibles or liability limits it’s not possible to determine which rate is truly the best. Slightly different limits may result in a large different in cost. Keep in mind that more quotes provides better odds of finding a lower rate.

Cut your premium with discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Most are applied when you get a quote, but some may not be applied and must be asked about before you will receive the discount.

  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for X4 coverage than their less cautious counterparts.
  • No Charge for an Accident – Certain companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Multi-car Discount – Insuring more than one vehicle on the same car insurance policy qualifies for this discount.
  • Discount for Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
  • Bundle and Save – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.
  • New Car Discount – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts up to 30%.

It’s important to note that some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will help reduce your premiums.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Before buying, ask all companies you are considering which discounts they offer. Some discounts may not apply everywhere.

What is the best insurance coverage?

When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

For example, these questions can aid in determining if your situation will benefit from professional help.

  • Does coverage extend to my business vehicle?
  • When does my teenage driver need to be added to my policy?
  • Should I buy full coverage?
  • What are the financial responsibility laws in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are rock chip repairs covered?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Specific coverage details

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Auto liability – Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as legal defense fees, court costs, funeral expenses, loss of income and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2015 BMW X4.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision – This coverage pays for damage to your X4 caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, hitting a mailbox, crashing into a building and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as rock chips in glass, damage from flooding, damage from getting keyed and hitting a deer. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for nursing services, surgery, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Shop smart and save

When shopping online for auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability limits or collision coverage only to regret they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Consumers leave their current company for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, high rates after DUI convictions or even questionable increases in premium. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Lower-priced 2015 BMW X4 insurance is attainable on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

Much more information about auto insurance is located on the following sites: