2014 BMW X6 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: Mar 28, 2024

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Finding low-cost insurance for your BMW X6 can normally be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to shop for insurance and we’ll show you the absolute fastest way to compare rates for a BMW and find the best price possible.

Finding the best rates is not rocket science. If you have insurance now or are just looking to switch companies, you can use these techniques to find better prices and possibly find even better coverage. Vehicle owners just need to understand the most effective way to compare prices on the web.

How to compare insurance quotes

Shopping for lower insurance rates can be a lot of work if you don’t understand the best way to get rate quotes. You can waste hours discussing policy coverages with agents in your area, or you could use online quoting to get prices fast.

Many popular insurance companies take part in a program where insurance shoppers enter their policy data once, and each company returns a rated price determined by their information. This system prevents you from having to do form submissions for every insurance company. To compare rates using this form now enter your zip code here.

The one downside to pricing coverage this way is that you can’t choose the providers to get pricing from. So if you want to choose individual companies to compare, we have assembled a list of companies who write insurance in your area. Click to enter zip code.

Take whichever approach you prefer, but be certain you are entering apples-to-apples quote information on every quote you get. If you have different liability limits it will be nearly impossible to determine which rate is truly the best.

Do you qualify for discount car insurance?

The price of auto insurance can be rather high, but you might find some hidden discounts that you may not even know about. Some discounts apply automatically when you complete an application, but some discounts are required to be requested specifically prior to getting the savings.

  • Discount for Home Ownership – Owning your own home or condo can earn you a little savings because it requires personal responsibility.
  • Claim Free – Claim-free drivers pay much less when compared with drivers with a long claim history.
  • Organization Discounts – Affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next car insurance statement.
  • Active Military Service – Being on active duty in the military could mean lower premium rates.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars on one policy could earn a price break for each car.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • Sign Online – Certain companies give back up to $50 for buying a policy and signing up on the web.
  • Discounts for Good Drivers – Insureds who avoid accidents may save up to 50% more for X6 insurance than drivers with accidents.

As a footnote on discounts, some credits don’t apply to the whole policy. Some only reduce individual premiums such as liability and collision coverage. Even though it appears it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will lower your premiums.

Companies and some of their more popular discounts can be read below.

  • AAA may offer discounts for AAA membership discount, multi-car, pay-in-full, multi-policy, anti-theft, and good student.
  • Progressive may include discounts for multi-policy, online quote discount, continuous coverage, good student, and homeowner.
  • State Farm offers discounts for Drive Safe & Save, multiple policy, safe vehicle, student away at school, anti-theft, good student, and passive restraint.
  • Esurance offers discounts including emergency road assistance, online shopper, anti-lock brakes, Pac-12 alumni, and safety device.
  • Nationwide includes discounts for multi-policy, accident-free, defensive driving, easy pay, business or organization, Farm Bureau membership, and good student.

When quoting, ask each company or agent to give you their best rates. Depending on the company, some discounts might not be offered on policies in your area.

Why your insurance rates might be higher

Many things are part of the calculation when you get a price on insurance. Some factors are common sense such as traffic violations, but other factors are not as apparent like your vehicle usage and annual miles driven.

The factors shown below are a partial list of the pieces used by insurance companies to determine your premiums.

  • Prices can change based on your address – Living in a rural area has it’s advantages if you are looking for the lowest rates. Residents of big cities regularly have more road rage incidents and longer commute times. Less people living in that area translates into fewer accidents.
  • Add-on coverages can waste money – Policies have additional extra coverages that sound like a good idea at the time on your 2014 X6 policy. Add-on coverages like personal injury protection, towing, and membership fees are some examples. They may seem good when you first buy your policy, but if you have no use for them eliminate them to save money.
  • Rates for males may be higher – Over time, data shows women are more cautious behind the wheel. However, don’t assume that women are better drivers. Females and males are responsible for at-fault accidents at about the same rate, but men cause more damage. Men also statistically get more serious tickets such as DWI and reckless driving. Young males tend to get in the most accidents so they pay the highest premiums.
  • Too many policy claims and you’ll pay more – Companies provide cheaper rates to policyholders who only file infrequent claims. If you’re an insured who likes to file claims you can expect increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of claims that pose a financial burden.
  • High credit scores save money – Your credit history factor in determining what you pay for insurance coverage. Insureds that have very good credit scores tend to file fewer claims than drivers who have worse credit. If your credit history is lower than you’d like, you may save money insuring your 2014 BMW X6 if you improve your credit rating.
  • The more you drive the more you pay – Driving more miles in a year the more it will cost to insure it. Most insurance companies calculate rates based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates than those used for commuting. It’s a smart idea to ensure your insurance coverage coverage shows annual mileage. Improper usage on your X6 is just wasting money.
  • With age comes lower prices – More mature drivers have been proven to be more responsible, are lower risk to insure . Inexperienced drivers are statistically proven to be more careless in a vehicle therefore insurance coverage rates are much higher.
  • Careless drivers pay higher rates – Having a clean driving record has a lot to do with how much you pay for insurance. Drivers with clean records pay less for auto insurance than their less careful counterparts. Only having one chargeable violation can boost insurance rates substantially. Drivers unfortunate enough to have severe violations like DUI or reckless driving might be required by their state to file a SR-22 with their state in order to legally drive.

What insurance coverages do I need?

When it comes to buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

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

  • At what point should I drop full coverage?
  • Does coverage extend to my business vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How do I insure my teen driver?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I make deliveries for my home business?
  • Do I pay less for low miles?
  • How do I buy GAP insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out your zip code. It’s fast, free and you can get the answers you need.

But they said I’d save $411 a year!

Consumers can’t avoid all the ads that promise big savings for switching from companies such as GEICO, State Farm and Progressive. They all seem to convey the message that drivers can save some big amount if you move your insurance policy to them.

How does every insurance company have lower policy pricing? This is the trick they use.

Insurance companies have a preferred profile for the driver that will most likely be profitable. For instance, a preferred risk might have to be between 25 and 40, insures multiple vehicles, and drives a lower-performance vehicle. A prospective insured that fits those parameters gets the lowest prices and will probably cut their rates substantially.

Insureds who fall outside the “perfect” profile will be quoted more expensive rates which usually ends up with the customer not purchasing. The ads state “customers who switch” not “all people who quote” save that much. That is how insurance companies can make claims like that. Because each company has a different risk profile, you really should get as many free auto insurance quotes as possible. It’s impossible to know the company that will fit your personal profile best.

Insurance coverage options for a 2014 BMW X6

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like court costs, pain and suffering and emergency aid. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, damage from a tornado or hurricane, vandalism, hitting a bird and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for ambulance fees, doctor visits and rehabilitation expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage pays for damage to your X6 resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 2014 BMW X6.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Save your cold hard cash

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, policy non-renewal or an unsatisfactory settlement offer. Whatever your reason, finding a new car insurance company is not as difficult as it may seem.

When buying insurance coverage, never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability coverage limits only to regret that it was a big mistake. Your goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Budget-conscious 2014 BMW X6 insurance can be bought on the web in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer online rate quotes and most of the time these small, regional companies provide coverage only through independent agents.

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