Lower Your 2010 BMW 1 Series Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 9, 2024

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Shoppers have many options when shopping for affordable BMW 1 Series insurance. They can either waste time driving around getting price quotes or utilize the internet to get rate quotes. There is a better way to shop for car insurance and we’ll show you the absolute fastest way to get price quotes for a BMW and obtain the best price possible from local insurance agents and online providers.

The quickest method to get policy rate comparisons is to take advantage of the fact most of the larger companies will pay a fee to quote your coverage. The one thing you need to do is provide a small amount of information such as the type of vehicles you drive, whether your vehicle is owned or leased, if a SR-22 is needed, and how old drivers are. That information is then submitted to multiple different insurance companies and you will receive price estimates with very little delay.

You may qualify for discounts

Some insurers don’t list every available discount very well, so here is a list a few of the more common as well as the least known savings tricks you should be using when you buy car insurance online.

  • Discount for Low Mileage – Keeping the miles down on your BMW can earn slightly better premium rates than normal.
  • Senior Citizen Discount – Drivers over the age of 55 may qualify for lower premium rates on 1 Series insurance.
  • Professional Organizations – Being a member of qualifying clubs or civic groups could qualify you for a break when shopping for car insurance.
  • Distant College Student Discount – Any of your kids who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
  • Waiver for an Accident – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before raising your premiums if you are claim-free for a specific time period.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
  • Good Grades Discount – Performing well in school may save as much as 25% on a car insurance quote. This discount can apply well after school through age 25.
  • Data Collection Discounts – Insureds who allow their company to monitor when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates if they have good driving habits.
  • Home Ownership Discount – Just being a homeowner may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Multi-policy Discount – If you combine your homeowners and auto policies with one company you could save over 10 percent off each policy depending on the company.

While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

Companies that possibly offer some of the discounts shown above include:

  • State Farm
  • American Family
  • AAA
  • Mercury Insurance
  • Farmers Insurance
  • Progressive

If you want cheaper car insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts may not be offered everywhere. If you would like to see a list of companies that offer the discounts shown above, enter your zip code here.

There’s no such thing as the perfect car insurance policy

When it comes to buying the best car insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

  • Is my BMW 1 Series covered if I use it for business?
  • Do I really need UM/UIM coverage?
  • At what point should I drop full coverage?
  • When should I drop full coverage on my 2010 BMW 1 Series?
  • Am I covered when driving a rental car?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and enter your zip code. It is quick, free and can help protect your family.

What car insurance coverages do you need?

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as surgery, pain medications, X-ray expenses and dental work. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2010 BMW 1 Series.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a parking meter, hitting a mailbox, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, hitting a bird and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like medical services, loss of income and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

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