Lower Your 2016 BMW 4 Series Gran Coupe 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 11, 2024

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When shopping for cheaper insurance, are you baffled by the number of auto insurance providers in your area? You’re not alone. people have such a large number of options that it can easily turn into a real hassle to find better rates.

You need to price shop coverage before your policy renews since prices are constantly changing. If you had the best deal on 4 Series Gran Coupe coverage at your last renewal there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to teach you the tricks you need to know to remove unneeded coverages and save money.

How to get car insurance price quotes

When shopping for cheap auto insurance quotes, there are a couple of ways of comparing price quotes from car insurance companies in your area. The easiest way by far to do a complete rate comparison consists of shopping online. This can be done in several different ways.

  • One of the best ways to get the best comparison quotes is an all-inclusive rate comparison. This method prevents you from having to do separate quote forms for each price estimate. In just a few minutes this one form will get you price quotes from several companies. Just one form and you’re done.
  • Another way to compare prices is going to the website for every company you want to compare and fill out a new quote form. For sake of this example, we’ll pretend you want to get rates from Nationwide, State Farm and Progressive. You would be required to spend time on each company’s site to enter the same coverage data repeatedly, which can be really labor intensive.

The approach you take is up to you, just ensure you are comparing identical coverage data on every quote you get. If you are comparing different coverage information then you won’t be able to determine which rate is truly the best. Just slight variations in coverages can make a big difference in price. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting better pricing. Some smaller insurers to not give online price quotes, so you need to compare prices from those companies as well.

Affordable auto insurance rates with discounts

Auto insurance companies do not advertise every discount available in a way that’s easy to find, so below is a list some of the more common as well as some of the hidden discounts that may be available.

  • Homeowners Discount – Just being a homeowner may trigger a policy discount on auto insurance since owning and maintaining a home shows financial diligence.
  • Theft Deterrent System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
  • ABS Braking Discount – Vehicles that have anti-lock braking systems prevent accidents so you can save 10 percent or more.
  • Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks off the medical payments premium.
  • Professional Memberships – Being a member of specific professional or occupational memberships or organizations can get you a small discount when getting a auto insurance quote.
  • Paper-free Discount – A few larger online companies provide a small discount get auto insurance digitally online.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like you could get a free auto insurance policy, you won’t be that lucky.

A few popular companies and some of the premium reductions they offer include:

  • Progressive has discounts for online quote discount, online signing, homeowner, continuous coverage, multi-vehicle, multi-policy, and good student.
  • AAA may offer discounts for good student, good driver, AAA membership discount, pay-in-full, multi-policy, and anti-theft.
  • Farmers Insurance includes discounts for alternative fuel, youthful driver, homeowner, pay in full, bundle discounts, and good student.
  • GEICO discounts include multi-policy, military active duty, federal employee, defensive driver, daytime running lights, and seat belt use.
  • Esurance may have discounts that include safety device, multi-policy, renters, online quote, emergency road assistance, and paid-in-full.
  • SAFECO policyholders can earn discounts including anti-theft, anti-lock brakes, safe driver, teen safety rewards, and bundle discounts.
  • State Farm has savings for anti-theft, multiple autos, multiple policy, passive restraint, driver’s education, and Steer Clear safe driver discount.

Before buying, ask all the companies which discounts can lower your rates. All car insurance discounts may not apply to policyholders in your area. To view auto insurance companies who offer online auto insurance quotes, enter your zip code here.

Tailor your insurance coverage to you

When buying coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help highlight whether your personal situation may require specific advice.

  • Does coverage extend to my business vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Are rock chip repairs covered?
  • Does my insurance cover my expensive audio equipment?
  • Why am I required to buy high-risk coverage?
  • When should I remove comp and collision on my 2016 BMW 4 Series Gran Coupe?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete your zip code.

Car insurance coverage basics

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage – Collision coverage covers damage to your 4 Series Gran Coupe from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, hitting a parking meter, colliding with another moving vehicle, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for liability – Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, structural damage, emergency aid, bail bonds and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for short-term medical expenses like dental work, doctor visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liability limits.

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