2013 BMW 1 Series Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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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Looking for better auto insurance rates for your BMW 1 Series? Paying for expensive BMW 1 Series insurance can eat up your family’s budget and force you to make sacrifices. Shopping your coverage around is recommended to tighten up your finances.

Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rate

If you currently have car insurance, you will be able to cut costs considerably using these methods. Finding the best rates is quite easy. Nevertheless, consumers do need to understand how insurance companies market on the web.

Use discounts to get cheaper insurance coverage quotes

Some companies do not advertise the complete list of policy discounts in a way that’s easy to find, so the below list has both well-publicized and also the more inconspicuous credits available to bring down your rates.

  • Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on 1 Series coverage than drivers with accident claims.
  • No Claim Discounts – Claim-free drivers can earn big discounts compared to frequent claim filers.
  • Seat Belt Discounts – Drivers who require all occupants to buckle up can save a little on medical payment and PIP coverage.
  • Theft Deterrent – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Anti-lock Brake System – Cars that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
  • Defensive Driver Discounts – Passing a safe driver course may get you a small discount and easily pay for the cost of the class.
  • Bundle and Save – If you can bundle your auto and homeowners insurance and insure them with the same company you could save up to 20% off your total premium.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, you aren’t that lucky.

If you would like to view providers that offer some of these discounts, enter your zip code here.

Compare car insurance rates

There are several ways to compare car insurance quotes, but some are easier and takes less work. You can waste a few hours (or days) talking to insurance agencies in your area, or you could save time and use the internet to get prices fast.

The majority of car insurance companies take part in a program where prospective buyers enter their policy data once, and at least one company then returns a price quote determined by their information. This prevents consumers from doing quote forms to each company.

To enter your information into the quoting system, enter your zip code here.

One minor caveat to doing it this way is that you can’t choose which providers to get pricing from. So if you want to choose individual companies to compare, we have a page of the cheapest car insurance companies in your area. Click to enter zip code for insurance companies.

Take whichever approach you prefer, but ensure you are comparing the same deductibles and coverage limits on every price quote you get. If you use different values for each quote it will be impossible to find the best deal for your BMW 1 Series. Just a small difference in coverages could skew the results. Just remember that more quotes helps locate more affordable rates. Some smaller insurers to not give price estimates online, so it’s important to compare quotes from them as well.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions might point out if you would benefit from professional advice.

  • If my 2013 BMW 1 Series is totaled, can I afford another vehicle?
  • Do I have coverage if my license is suspended?
  • Do I pay less for low miles?
  • Why does it cost so much to insure a teen driver?
  • Does insurance cover damages from a DUI accident?
  • Why do I only qualify for high-risk insurance?
  • Am I missing any policy discounts?
  • Does my insurance cover a custom paint job?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out your zip code.

Educate yourself about insurance coverages

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, funeral costs, chiropractic care and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, a tree branch falling on your vehicle, hitting a deer and theft. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This will cover damage that occurs to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, hitting a mailbox, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your BMW 1 Series.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Quote more. Save more.

We just presented a lot of techniques to reduce 2013 BMW 1 Series insurance premium rates online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even discover the most savings is with a smaller regional carrier. They may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Some insurance providers don’t offer online price quotes regional carriers sell through independent agencies. Lower-priced car insurance can be purchased from both online companies and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis.

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