2013 BMW M6 Car Insurance Quotes in 2024 – 8 Ideas for Cheaper Rates

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: Mar 28, 2024

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Looking for better car insurance rates for your BMW M6? Having to pay for high-priced car insurance can stress out your personal savings, especially in this economy. Doing a rate comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Insurance companies such as State Farm and GEICO promote their brand names with ad campaigns and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

Consumers need to shop coverage around periodically because car insurance rates change frequently. Just because you found the lowest rate for M6 insurance last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn how to use online quotes to reduce your cost while improving coverage.

How to get low cost car insurance

All major car insurance companies give prices for coverage from their websites. Doing online quotes doesn’t take a lot of time because it’s just a matter of typing in the coverages you want on the page. When complete, the system will order reports for credit and driving violations and generates pricing information based on the data you entered. Online quotes makes comparing rates easy, but the time it takes to visit several different sites and type in the same information can get tiresome after awhile. But it’s very important to have as many quotes as possible if you want to get a lower rate.

A quicker way to find lower prices utilizes a single form to obtain quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes price shopping online much easier. Once the form is submitted, your coverage is rated and you can select any or none of the quotes returned.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes less than 15 minutes and you’ll know if lower rates are available.

In order to compare rates now, simply enter your zip code here and submit the form. If you have your current policy handy, we recommend you type in your coverages as close as possible to your current policy. This helps ensure you’re receiving comparison quotes for similar coverage.

Cheaper rates with these eight discounts

Companies offering auto insurance don’t necessarily list all discounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known in addition to some of the lesser obvious discounts that may be available.

  • Lower Rates for Military – Being on active deployment in the military could qualify you for better premium rates.
  • Passenger Safety Discount – Cars that have air bags can qualify for discounts up to 30%.
  • Safety Restraint Discount – Forcing all vehicle occupants to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Onboard Data Collection – Insureds that choose to allow their car insurance company to track driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.
  • Accident-Free Discounts – Insureds who avoid accidents and claims pay much less as compared to bad drivers.
  • Waiver for an Accident – but certain companies will forgive one accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
  • Distant Student Discount – Children who live away from home at college and leave their car at home can be insured at a reduced rate.
  • Good Students Pay Less – Being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. So even though you would think you could get a free car insurance policy, companies don’t profit that way.

A partial list of companies that may include some of the discounts shown above include:

  • Progressive
  • MetLife
  • Mercury Insurance
  • Nationwide
  • AAA

Double check with all the companies which discounts you may be entitled to. Some of the discounts discussed earlier may not be available everywhere. If you would like to view providers who offer car insurance discounts, enter your zip code here.

Auto insurance can be complex

When choosing coverage, there is no best way to insure your cars. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine whether you may require specific advice.

  • Is my teenager covered with friends in the car?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I buy only the required minimum liability coverage?
  • What is an SR-22 filing?
  • Do I need replacement cost coverage?
  • Am I covered if I break a side mirror?
  • Am I missing any policy discounts?
  • Where can I get insurance after a DUI in my state?
  • How can I find cheaper teen driver insurance?
  • What is the minimum liability in my state?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and can help protect your family.

Ads can be misleading

Consumers can’t ignore all the ads that promise big savings for switching from the likes of State Farm, Allstate and GEICO. All the companies try to convey promises that you can save if you switch your auto insurance coverage to their company.

How does every company offer you a better deal?

Different companies have specific guidelines for a prospective insured that will generate a profit. For instance, this type of driver should be between the ages of 30 and 50, carries full coverage, and drives a lower-performance vehicle. Any person who meets those qualifications will get low premium rates and therefore will cut their rates substantially.

Potential customers who fall outside these standards will be quoted a higher rate which results in the customer buying from a different company. If you listen to the ad wording, they say “customers who switch” not “all people who quote” save that much. That’s why companies can truthfully make claims that they all have the best premium rates.

This illustrates why you should compare rate quotes every year. Because you never know the company that will provide the lowest car insurance rates.

Insurance coverage breakdown

Understanding the coverages of insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, ambulance fees, pain medications, surgery and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision insurance

This coverage pays for damage to your M6 from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a ditch, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from a tornado or hurricane, hail damage and vandalism. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

This coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like court costs, funeral expenses, attorney fees and emergency aid. How much coverage you buy is your choice, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your BMW M6.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Online plus local equals savings

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Throughout this article, we presented quite a bit of information on how to shop for 2013 BMW M6 insurance online. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable insurance coverage. Drivers may discover the lowest prices are with a smaller regional carrier. Regional companies often have lower rates on specific markets compared to the large companies like Progressive or GEICO.

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