Save on 2018 BMW 6 Series Gran Coupe Car Insurance Rates 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: May 29, 2024

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Shoppers have a choice when shopping for low-cost BMW 6 Series Gran Coupe insurance. They can either waste time contacting agents getting price quotes or use the internet to get rate quotes. There are more efficient ways to compare insurance rates and we’ll show you the quickest way to get price quotes for a BMW and find the best price possible from both online companies and local agents.

How to lower your car insurance cost

Finding a better price on car insurance can be relatively painless. Drivers just need to invest a little time getting comparison quotes from online providers. It is quite easy and can be accomplished using a couple different methods.

  1. The most efficient way to compare a lot of rates at once is an all-inclusive rate comparison. This quick form keeps you from doing a different quote for each company. Just one form will get you price quotes from all major companies. It’s the fastest way to compare.
  2. A more difficult way to shop for car insurance online is to manually visit the website for every company you want to compare and repeat the quote process. For examples sake, let’s say you want to compare prices for Auto-Owners, Esurance and GEICO. To get rate quotes you would need to spend time on each company’s site and repeatedly enter your information, which can get old fast.

It’s up to you how you get prices quotes, just make sure you compare nearly identical coverages on every quote. If your comparisons have different values for each quote then you won’t be able to determine which rate is truly the best.

Save money with discounts

Insurance can be prohibitively expensive, but there may be some discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at quote time, but occasionally some discounts must be asked for before being credited.

  • Telematics Discount – Drivers that enable driving data collection to study when and where they use their vehicle by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates as long as they are good drivers.
  • Accident Waiver – This isn’t a discount exactly, but some insurance companies may permit one accident without the usual rate increase so long as you haven’t had any claims prior to the accident.
  • Sign Online – Some of the larger companies provide a small discount for signing up on their website.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
  • Driver Education Discount – It’s a good idea to have your young drivers successfully take a drivers education course in school or through a local driver safety program.
  • Discount for Switching Early – Select larger companies give a discount for switching to them prior to your current policy expiring. It can save you around 10%.

Keep in mind that most discount credits are not given to the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works.

Some of the larger companies who may offer most of the discounts above include:

  • The Hartford
  • American Family
  • Progressive
  • Travelers
  • Farmers Insurance
  • USAA
  • Liberty Mutual

If you need lower rates, check with every company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered everywhere. To view insurers who offer free insurance coverage quotes, enter your zip code here.

What is the best insurance coverage coverage?

When choosing coverage, there really is not a cookie cutter policy. Every situation is different.

For instance, these questions may help you determine if your insurance needs may require specific advice.

  • Will my insurance pay for OEM parts?
  • Does my car insurance cover rental cars?
  • When do I need to add a new car to my policy?
  • Is a blown tire covered by insurance?
  • Why do I only qualify for high-risk insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if I break a side mirror?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and can provide invaluable advice.

BMW 6 Series Gran Coupe insurance rate factors

When buying insurance it’s important to understand some of the elements that play a part in calculating the rates you pay for insurance. When consumers understand what determines base rates, this enables you to make decisions that may result in lower insurance prices.

The itemized list below are some of the items insurance companies consider when setting premiums.

  • Youthful drivers cost more – Older insureds are more responsible, cause fewer claims and accidents and get fewer tickets. Beginning drivers have been known to be more careless when at the wheel of a vehicle therefore insurance rates are much higher.
  • Rates also based on gender – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Males and females get in fender benders in similar percentages, but males tend to have higher claims. Men also tend to receive more major tickets such as DWI and reckless driving.
  • Pay more if you have a long commute – Choosing to live in small towns and rural areas is a positive aspect when trying to find low car insurance rates. People who live in big cities regularly have more traffic problems and a longer drive to work. Fewer drivers on the road corresponds to lower accident rates as well as less vandalism and auto theft.
  • Drive less and pay lower prices – The more you drive in a year the higher your rates will be. A lot of companies rate vehicles based upon how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates than vehicles that have high annual mileage. An improperly rated 6 Series Gran Coupe can cost quite a bit. It’s a smart idea to ensure your vehicle rating correctly shows the correct driver usage.

But they said I’d save $486 a year!

Consumers get pounded daily by advertisements that claim the best premium rates from the likes of GEICO, State Farm and Progressive. All the ads make an identical promise about savings if you move your policy.

How is it possible that every company can give you a better price? It’s all in the numbers.

Car insurance companies have specific guidelines for the type of driver that will be a good risk. For example, this type of risk profile might be described as between 30 and 50, owns their home, and drives less than 7,500 miles a year. Any driver that meets those criteria gets the lowest prices and will also save if they switch.

Drivers who may not quite match those standards will have to pay a higher premium and this results in the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that much. This is how insurance companies can confidently claim big savings. Because every company is different, it is so important to get auto insurance quotes as often as possible. It is impossible to predict which car insurance company will have the best prices.

Car insurance coverages for a BMW 6 Series Gran Coupe

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, hitting a deer, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as attorney fees, pain and suffering and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, scraping a guard rail, crashing into a building, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like ambulance fees, surgery and nursing services. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

One last thing

Drivers who switch companies do it for many reasons like high prices, denial of a claim, not issuing a premium refund and even unfair underwriting practices. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

We covered a lot of ways to compare 2018 BMW 6 Series Gran Coupe insurance rates online. The most important thing to understand is the more you quote auto insurance, the better your comparison will be. You may be surprised to find that the best rates are with some of the lesser-known companies.

As you quote auto insurance, do not skimp on coverage in order to save money. In many cases, an insured cut comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best price, but do not skimp to save money.

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