Compare 2016 BMW M4 GTS 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 3, 2024

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Sick and tired of sacrificing other expenses to pay high insurance rates every month? Your situation is no different than many other consumers. Having so many choices, it is hard for the average consumer to choose the best insurance provider.

The best way we recommend to compare insurance rates in your area is to know the fact most of the bigger providers pay for the opportunity to give rate comparisons. The only thing you need to do is provide details like types of safety features, daily mileage, how old drivers are, and whether or not you need a SR-22. That rating data gets transmitted to all major companies and you will receive price estimates with very little delay.

Get cheap rates with these discounts

Companies that sell car insurance do not advertise every policy discount very well, so the list below gives a summary of both the well known in addition to some of the lesser obvious discounts that may be available.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags may qualify for discounts of 25 to 30%.
  • Professional Memberships – Affiliation with a civic or occupational organization may earn a discount on your next auto insurance statement.
  • Early Renewal Discounts – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Online Discount – A few auto insurance companies will provide an incentive shop auto insurance digitally online.
  • Discounts for Government Workers – Active or former government employment could qualify for a slight premium decrease for M4 GTS coverage but check with your company.
  • Multi-line Discount – Some insurance carriers give better rates if you take out life insurance from them.

While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount should help reduce your overall premium however.

A few popular companies and some of the discounts include:

  • Progressive offers premium reductions for online signing, continuous coverage, good student, online quote discount, multi-vehicle, multi-policy, and homeowner.
  • AAA has savings for good driver, education and occupation, multi-policy, multi-car, AAA membership discount, pay-in-full, and good student.
  • Farmers Insurance discounts include electronic funds transfer, business and professional, homeowner, switch companies, multi-car, and youthful driver.
  • GEICO offers discounts for five-year accident-free, multi-vehicle, multi-policy, military active duty, good student, and emergency military deployment.
  • Esurance policyholders can earn discounts including online shopper, Pac-12 alumni, Switch & Save, anti-lock brakes, and safety device.
  • SAFECO may include discounts for homeowner, anti-lock brakes, teen safe driver, anti-theft, safe driver, teen safety rewards, and multi-car.
  • State Farm includes discounts for Steer Clear safe driver discount, safe vehicle, multiple autos, passive restraint, Drive Safe & Save, good student, and multiple policy.

Double check with every insurance company the best way to save money. Some discounts might not be offered on policies in your state. To choose insurance companies that offer discounts, enter your zip code here.

Car insurance can be complex

When it comes to buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my cargo covered for damage or theft?
  • Why is insurance for a teen driver so high?
  • Do I have coverage when using my vehicle for my home business?
  • Who is covered by my policy?
  • Should I carry comprehensive and collision coverage?
  • What is medical payments coverage?
  • When does my teenage driver need to be added to my policy?
  • Is extra glass coverage worth it?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Understanding the coverages of your insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, X-ray expenses, ambulance fees, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance – This protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like court costs, repair costs for stationary objects, funeral expenses, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, rock chips in glass and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, damaging your car on a curb, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Take this to the bank

When getting auto insurance quotes online, it’s a bad idea to buy poor coverage just to save money. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage for the lowest price.

Affordable 2016 BMW M4 GTS insurance is definitely available online as well as from independent agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide rates over the internet and these regional insurance providers sell through local independent agencies.

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