Compare 2020 BMW 6 Series 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 18, 2024

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Finding cheaper insurance for a BMW 6 Series can be an all-consuming task, but you can use our insurance coverage buying tips to find lower rates. There is a better way to find insurance coverage online and we’ll show you the quickest way to quote coverages for your BMW and obtain the lowest price from local insurance agents and online providers.

Consumers need to compare prices once or twice a year due to the fact that insurance prices change regularly. Just because you had the lowest price on 6 Series insurance at your last renewal the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the things you must know in order to reduce your cost while improving coverage.

Informed drivers save on insurance

Lots of factors are used when you get a price on insurance. Some are pretty understandable like a motor vehicle report, although others are not as apparent such as your credit history or how financially stable you are.

  • No coverage gaps is important – Driving without insurance is a misdemeanor and your next policy will cost more because you let your coverage lapse. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time.
  • Premiums for men may be higher – Statistics show females are less aggressive when driving. This data doesn’t prove that females are better drivers. Both genders are responsible for at-fault accidents in similar percentages, but men tend to have more serious accidents. Not only are claims higher, but men receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • More annual miles equals more premium – The more you drive your BMW in a year the more it will cost to insure it. Most insurance companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that are left in the garage get more affordable rates than cars that get driven a lot. Verify your auto insurance policy is rated on the proper vehicle usage, because it can save money. Incorrect rating for your 6 Series can cost quite a bit.
  • Claim-free discounts can add up – Companies generally give discounts to insureds who do not file claims often. If you file claims often, you can definitely plan on higher rates. Your car insurance is designed for claims that you cannot pay yourself.
  • Bump up coverage deductibles to lower rates – Physical damage deductibles are the amount of money you are willing to pay if the claim is covered. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of covered claims are a windshield broken by a bird, hail damage, and damage from wind. The more money you’re willing to pay, the lower your rates will be on 6 Series insurance.
  • Younger drivers pay higher premiums – Mature drivers are more responsible, file fewer claims and receive fewer citations. Inexperienced drivers are known to be easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
  • Protect yourself with liability – The liability section of your policy will afford coverage if a court rules you are at fault for an accident. Liability provides for a legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.

Are you receiving every discount?

Companies don’t always publicize all possible discounts very clearly, so the following is a list of both the well known and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

  • Bundled Policy Discount – If you can combine your homeowners and auto policy and place coverage with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a car insurance quote.
  • Home Ownership Discount – Owning your own home or condo can help you save on car insurance because it means you have a higher level of financial diligence.
  • Multiple Cars – Insuring more than one vehicle on one policy qualifies for this discount.
  • Fewer Miles Equal More Savings – Low mileage vehicles could earn slightly better car insurance rates than normal.
  • Discounts for Government Workers – Employees or retirees of the government can save as much as 8% on 6 Series insurance depending on your car insurance provider.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, you’re out of luck. But any discount will help lower your premiums.

A few popular companies and a selection of discounts are detailed below.

  • Progressive includes discounts for multi-vehicle, online signing, multi-policy, online quote discount, good student, homeowner, and continuous coverage.
  • MetLife offers discounts including defensive driver, accident-free, claim-free, good driver, and multi-policy.
  • Mercury Insurance offers premium reductions for type of vehicle, anti-theft, location of vehicle, good driver, ease of repair, and good student.
  • Nationwide offers discounts for anti-theft, defensive driving, easy pay, family plan, good student, and accident-free.
  • GEICO has savings for daytime running lights, defensive driver, federal employee, air bags, and multi-vehicle.
  • AAA may have discounts that include good driver, education and occupation, multi-policy, anti-theft, good student, pay-in-full, and multi-car.

Before buying, ask every prospective company which discounts you may be entitled to. A few discounts may not apply to policyholders in your area. To locate car insurance companies who offer free car insurance quotes, enter your zip code here.

Big brands don’t always mean big savings

Consumers get pounded daily by advertisements that claim the cheapest rates from companies such as State Farm, Allstate and GEICO. They all seem to make the same claim that you’ll save big if you change your policy.

It sounds good, but how can they all lower your rates? It’s all in the numbers.

All the different companies quote the lowest rates for the type of driver that earns them the highest profit. An example of a desirable risk could be between the ages of 40 and 55, has never had a claim, and drives less than 5,000 miles a year. Any person who meets those qualifications will get very good rates and will also save a lot if they switch.

People who do not fit the ideal profile may receive more expensive rates and this results in the customer not purchasing. The ad wording is “drivers who switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can truthfully claim big savings. Because every company is different, drivers should compare price quotes frequently. Because you cannot predict with any certainty which company will have the best car insurance rates.

When in doubt talk to an agent

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether or not you will benefit from professional help.

  • What are the best liability limits?
  • What discounts do I qualify for?
  • Am I insured when driving a different vehicle?
  • When can my company non-renew my policy?
  • Do I need replacement cost coverage?
  • What is medical payments coverage?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Understanding the coverages of auto insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to people or other property. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as structural damage, emergency aid, court costs and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

Collision insurance covers damage to your 6 Series from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, damage from flooding and rock chips in glass. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2020 BMW 6 Series.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, funeral costs and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Quote more, save more

When shopping online for insurance coverage, make sure you don’t reduce needed coverages to save money. In many cases, someone dropped liability coverage limits and learned later they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

There are still a few companies who may not offer online price quotes and many times these small, regional companies prefer to sell through independent agencies. Lower-priced insurance coverage is attainable online in addition to many insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, delays in paying claims, poor customer service and high rates after DUI convictions. No matter why you want to switch, finding the right insurance coverage provider can be pretty painless.

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