Lower Your 2012 BMW ALPINA B7 Car Insurance Cost 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 14, 2024

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Looking for the cheapest car insurance rates for your BMW ALPINA B7? Do you get exhausted from scraping nickels together to insure your BMW every month? You are no different than many other people.

Online insurance companies like GEICO, Farmers Insurance and State Farm persistently shower you with catchy ads and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Finding affordable coverage is not rocket science. But car owners benefit from understanding how companies sell insurance online and use this information to your advantage.

The method we recommend to compare insurance rates from multiple companies utilizes the fact most of the larger companies allow for online access to provide you with a free rate quote. The only thing you need to do is give them some information such as whether the vehicles are used for commuting, how many miles driven, your job, and driver ages. The data is automatically sent to many highly-rated insurers and you should receive rate quotes instantly.

You may qualify for discounts

Insurance can cost an arm and a leg, but there could be available discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at quote time, but a few must be inquired about prior to getting the savings. If you are not receiving all the discounts available, you could be saving more on your insurance.

  • Safe Driver Discounts – Accident-free drivers can save as much as half off their rates on ALPINA B7 insurance than drivers with accidents.
  • Claim Free – Drivers who don’t have accidents pay less in comparison to bad drivers.
  • ABS Braking Discount – Cars with ABS braking systems or traction control are safer to drive and earn discounts up to 10%.
  • Accident Waiver – Not really a discount, but certain companies will let one accident slide without the usual rate increase if your claims history is clear before the accident.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • Discounts for Multiple Vehicles – Buying coverage for multiple cars on one policy qualifies for this discount.
  • Switch and Save Discount – Some companies provide a discount for switching to them early. This can save 10% or more.
  • Homeowners Discount – Being a homeowner can save you money since owning and maintaining a home means you have a higher level of financial diligence.

As a sidenote, most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. So even though you would think it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts will definitely lower the premium cost.

The best insurance companies and a selection of discounts can be found below.

  • GEICO offers premium reductions for daytime running lights, multi-vehicle, federal employee, defensive driver, emergency military deployment, military active duty, and membership and employees.
  • SAFECO offers discounts including accident prevention training, anti-lock brakes, teen safe driver, anti-theft, and safe driver.
  • State Farm discounts include accident-free, good driver, student away at school, driver’s education, passive restraint, Drive Safe & Save, and anti-theft.
  • MetLife has discounts for claim-free, multi-policy, good student, good driver, accident-free, defensive driver
  • 21st Century has savings for defensive driver, 55 and older, automatic seat belts, homeowners, theft prevention, student driver, and air bags.
  • Progressive may offer discounts for homeowner, online signing, online quote discount, good student, continuous coverage, multi-vehicle, and multi-policy.

Check with every company to give you their best rates. Savings might not be offered on policies in your area. To choose providers that offer discounts, enter your zip code here.

The BMW ALPINA B7 insurance cost equation

A large part of saving on car insurance is knowing some of the elements that aid in calculating the price you pay for car insurance. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could help you find lower premium levels.

The list below includes some of the factors car insurance companies consider when setting rates.

  • Your spouse saves you money – Being married actually saves money on your policy. Having a significant other usually means you are more mature it has been statistically shown that married drivers get in fewer accidents.
  • Extra policy coverages that aren’t used – There are many optional add-on coverages that sound like a good idea at the time if you don’t pay attention. Add-on coverages like coverage for rental cars, accidental death, and motor club memberships are probably not needed. These may sound like a good investment at first, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Costs are affected by your address – Having an address in smaller towns and rural areas of the country can save you money when buying car insurance. People who live in big cities have more traffic problems and longer commute times. Fewer people means reduced accidents in addition to fewer liability claims.
  • Higher coverage deductibles are cheaper – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some examples of covered claims could be a windshield shattered by a rock, damage caused by hail, or theft. Physical damage deductibles define the amount you are willing to pay in the event of a claim. The more expense the insured has to pay upfront, the better rate you will receive on ALPINA B7 insurance.
  • When should you file a car insurance claims? – If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Auto insurance companies generally give discounts to drivers who file claims infrequently. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Pleasure use or commuting – Driving more miles in a year the more it will cost to insure it. Many insurance companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage can be on a lower rate level than cars that get driven a lot. It’s always a good idea to double check that your car insurance coverage properly reflects the correct usage for each vehicle. A policy that improperly rates your ALPINA B7 may be costing you.
  • Bundling policies can get discounts – Most larger companies afford lower prices for people who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even if you already get this discount, it’s still a good idea to check prices from other companies to make sure you are getting the best deal. Consumers may find a better deal even if you insure with multiple companies.
  • Your employer can affect rates – Did you know your car insurance rates can be affected by your occupation? Careers like real estate brokers, airline pilots and dentists generally pay the highest rates due to high stress levels and long work days. Other jobs like scientists, athletes and the unemployed have lower than average premiums on ALPINA B7 insurance.

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

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine whether you might need an agent’s assistance.

  • Am I covered when driving a rental car?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my dog or cat covered if injured in an accident?
  • How can I get high-risk coverage after a DUI?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • When should I not file a claim?
  • Can I rent a car in Mexico?
  • If I drive on a suspended license am I covered?
  • What are the best liability limits?

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 insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Do drivers who switch really save?

Big name companies like Progressive, Allstate and GEICO endlessly run ads on television and other media. They all state the claim that drivers will save a bundle if you move to their company. How is it possible that every company can sell you cheaper insurance coverage? This is the trick they use.

All companies are able to cherry pick for the type of customer that will add to their bottom line. For example, this type of driver may need to be a female over age 40, has never had a claim, and the vehicle is rated for pleasure use. A prospective insured that matches those criteria receives the best rates and therefore will save money with a new company.

Insureds who don’t measure up to the requirements will be quoted higher premiums which results in the customer not purchasing. The trick is to say “customers that switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently advertise the savings. This really illustrates why you should compare price quotes frequently. Because you cannot predict which company will give you the biggest savings.

Auto insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for things like hospital visits, dental work, rehabilitation expenses, EMT expenses and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability insurance covers claims like funeral expenses, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, backing into a parked car, hitting a parking meter, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, falling objects, fire damage, hitting a bird and theft. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your BMW ALPINA B7.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Save your cold hard cash

We just covered some good ideas how you can save on 2012 BMW ALPINA B7 insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding the cheapest auto insurance. You may even find the most savings is with an unexpected company. These smaller insurers often have lower prices on specific markets compared to the large companies like Allstate, GEICO and Progressive.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped liability coverage limits and learned later that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

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