Compare 2019 BMW X6 Car 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: Mar 28, 2024

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Trying to find better auto insurance rates for your BMW X6? Expensive BMW X6 insurance can deplete your family’s budget and maybe even restrict other spending. Comparing rate quotes is an excellent way to lower your bills every month.

There is such a variety of insurers to purchase coverage from, and though it is a good thing to have multiple companies, it can be more difficult to get the best deal.

Pricing the lowest cost auto insurance coverage is not that difficult. If you have a policy now or are looking for a new policy, you can use this information to shop for the lowest rates and possibly find even better coverage. Drivers just need to know the proper way to get comparison rates online.

How car insurance companies determine BMW X6 insurance premiums

Lots of factors are taken into consideration when quoting car insurance. Some are pretty understandable like an MVR report, although some other factors are less apparent such as your credit history or your financial responsibility.

  • Too many policy claims and you’ll pay more – If you’re an insured who likes to file claims you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies provide the best rates to drivers that do not abuse their auto insurance. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • More policies can equal more savings – Lots of insurers apply discounts to insureds who have multiple policies with them in the form of a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount applied, consumers should still shop around to help ensure you have the lowest rates. You may still find lower rates by buying insurance from a different company.
  • Your address can push rates up or down – Living in areas with lower population has definite advantages when buying insurance. Fewer people means a lower chance of having an accident. Drivers in populated areas have traffic congestion and more severe claims. Higher commute times can result in more accidents.
  • Driving citations inflate rates – A bad driving record influences premium rates substantially. Having a single chargeable violation can increase rates to the point where it’s not affordable. Good drivers get better prices than their less careful counterparts. Drivers who have received multiple violations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to keep their license.
  • More annual miles equals more premium – The higher the mileage driven each year the more you’ll pay to insure it. Almost all companies calculate prices based on their usage. Vehicles not used for work or commuting get more affordable rates than those used for commuting. It’s a good idea to make sure your insurance policy shows annual mileage. A policy that improperly rates your X6 may be costing you higher rates.

Cheap car insurance rates with discounts

The price of auto insurance can be rather high, but you may find discounts that many consumers don’t even know exist. Certain reductions will be credited at the time of quoting, but some must be specifically requested prior to receiving the credit.

  • Buy New and Save – Putting insurance on a new car can save up to 30% since new model year vehicles are generally safer.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on X6 coverage than drivers with accident claims.
  • Defensive Driver Discount – Successfully completing a course in defensive driving could cut 5% off your bill if you qualify.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.

Just know that most of the big mark downs will not be given to the whole policy. A few only apply to individual premiums such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

Companies and their offered discounts can be found below.

  • Mercury Insurance has savings for age of vehicle, good driver, ease of repair, annual mileage, low natural disaster claims, anti-theft, and location of vehicle.
  • Farmers Insurance may offer discounts for teen driver, multi-car, business and professional, homeowner, switch companies, alternative fuel, and good student.
  • Farm Bureau offers discounts including multi-vehicle, multi-policy, good student, renewal discount, 55 and retired, youthful driver, and safe driver.
  • State Farm may include discounts for safe vehicle, multiple autos, passive restraint, defensive driving training, and anti-theft.
  • Allstate may have discounts that include good payer, economy car, utility vehicle, anti-lock brakes, EZ pay plan discount, and early signing.
  • GEICO offers discounts for five-year accident-free, driver training, daytime running lights, multi-policy, anti-theft, and air bags.

Before buying, ask each company the best way to save money. Discounts may not be offered in your area. To locate providers who offer discounts, enter your zip code here.

But they said I’d save $494 a year!

Consumers can’t get away from ads that claim the best premium rates by companies like State Farm and Allstate. All the ads try to convey promises about savings if you get a free insurance coverage quote and switch to them.

But how can every company sell you cheaper insurance coverage? It’s all in the wording.

Many companies quote their best rates for the type of driver that is profitable for them. A good example of this type of driver may need to be between 30 and 50, has other policies, and drives a safe vehicle. A customer getting a price quote who meets those qualifications will probably get the lowest premium rates and is almost guaranteed to save a lot if they switch.

Potential insureds who are not a match for these stringent criteria must pay a more expensive rate and ends up with the customer not purchasing. The ads state “drivers who switch” not “all people who quote” save that kind of money. This is how insurance companies can confidently advertise the savings.

Each company has different criteria, so you absolutely need to compare many company’s premium rates. It’s impossible to know which insurance companies will fit your personal profile best.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can help discover whether your personal situation could use an agent’s help.

  • Should I get collision insurance on every vehicle?
  • How much liability coverage do I need in my state?
  • Exactly who is provided coverage by my policy?
  • Should I buy additional glass protection?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when pulling a rental trailer?
  • Is a fancy paint job covered?
  • Are split liability limits better than a combined single limit?
  • I don’t drive much so do I pay less?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It is quick, free and can help protect your family.

Insurance policy specifics

Having a good grasp of your insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your BMW X6.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits do not exceed the liability coverage limits.

Liability coverages

This protects you from damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, medical services, court costs and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses for things like hospital visits, EMT expenses and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to 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 coverage

Collision insurance covers damage to your X6 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, rolling your car, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The maximum payout 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 consider dropping full coverage.

Saving money is sweet as honey

We just covered a lot of information how to lower your 2019 BMW X6 insurance prices. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the best price on insurance coverage is with a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

Some insurance coverage companies do not offer the ability to get quotes online and usually these regional carriers provide coverage only through independent agents. The cheapest 2019 BMW X6 insurance can be sourced from both online companies and from local insurance agents, and you should compare price quotes from both to have the best rate selection.

As you prepare to switch companies, do not buy poor coverage just to save money. Too many times, consumers will sacrifice liability limits or collision coverage to discover at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

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