Cheaper 2021 BMW 4 Series Car 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: May 1, 2024

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Searching for cheaper auto insurance rates for your BMW 4 Series? If you are a novice to online auto insurance shopping, by this point your are probably confused thanks to the vast number of local and online companies all claiming to save you money.

Finding the best rates is easy if you know what you’re doing. Essentially anyone who is required by state law to have car insurance will be able to reduce their rates. Although drivers do need to understand the way insurance companies sell insurance online and apply this information to your search.

Components of your BMW 4 Series insurance rates

An important part of buying insurance is that you know a few of the rating criteria that help determine your policy premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that could result in big savings.

  • Safer cars means cheaper insurance – Cars with high safety ratings cost less to insure. The safest vehicles reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and thus lower rates.
  • Policy add-ons add up – There are a lot of extra add-on coverages that may not really be needed on your 4 Series policy. Insurance for things like roadside assistance, better glass coverage, and Farm Bureau memberships are some examples. These may sound like a good investment when deciding what coverages you need, but if you’ve never needed them in the past eliminate them to save money.
  • No claims equals cheaper premiums – If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Insurance companies give discounts to policyholders who file claims infrequently. Auto insurance is intended to be relied upon for more catestrophic claims.
  • Lower coverage deductibles cost more – Insurance for physical damage, also known as collision and other-than-collision, protects your BMW from damage. Examples of some claims that would be covered could be collision with another vehicle, flood damage, and rolling your vehicle. Deductibles for physical damage tell how much you are required to spend out-of-pocket in the event of a claim. The more you pay before a claim is paid (deductible), the better rate you will receive on 4 Series insurance.
  • Pay less after the wedding – Having a significant other actually saves money on your insurance coverage bill. Marriage is viewed as being more stable financially and statistics show married couples file fewer claims.
  • Men tend to take more risk – Over the last 30 years, statistics show that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Women and men tend to get into accidents in similar percentages, but men tend to have higher claims. Men also get cited for more serious violations such as reckless driving. Teenage male drivers are the most expensive to insure so it costs more to insure them.
  • Stress out and pay more – Occupational choices like doctors, air traffic controllers and dentists generally have the highest average rates because of stressful work requirements and incredibly demanding work hours. Other occupations like professors, students and homemakers have lower than average premiums on 4 Series insurance.
  • Careless drivers pay higher prices – Your driving citation history has a lot to do with how much you pay for insurance. Even one citation could increase your next policy renewal substantially. Careful drivers have lower premiums than bad drivers. Drivers who have received serious tickets such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.

Don’t overlook these insurance discounts

Auto insurance companies do not list every discount very clearly, so we break down both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy insurance coverage online.

  • Discounts for New Vehicles – Buying a new car model can save up to 30% because newer models have to meet stringent safety requirements.
  • Theft Prevention System – Cars and trucks with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Senior Citizens – Seniors are able to get a slight reduction on a insurance coverage quote on 4 Series insurance.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20 to 30 percent.
  • Discounts for Federal Employees – Federal government employees can earn a discount up to 10% on 4 Series insurance but check with your company.
  • No Claim Discounts – Insureds who avoid accidents and claims get the best insurance rates in comparison to policyholders that have many claims.
  • Defensive Driver Discounts – Successfully completing a course teaching defensive driving skills can save you 5% or more and make you a better driver.
  • Drivers Ed for Students – Teen drivers should take driver’s ed class as it will make them better drivers and lower rates.
  • More Vehicles More Savings – Drivers who insure multiple cars on a single policy could earn a price break for each car.
  • Good Student – This discount can get you a discount of up to 25%. The good student discount can last until age 25.

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

The best insurance companies and a summarized list of policyholder discounts can be read below.

  • State Farm discounts include driver’s education, multiple policy, safe vehicle, student away at school, passive restraint, and Drive Safe & Save.
  • Liberty Mutual offers discounts for exclusive group savings, hybrid vehicle, newly retired, new graduate, and newly married.
  • American Family may have discounts that include good student, accident-free, bundled insurance, air bags, Steer into Savings, mySafetyValet, and defensive driver.
  • Progressive policyholders can earn discounts including multi-vehicle, multi-policy, online quote discount, continuous coverage, homeowner, and good student.
  • Farmers Insurance offers discounts including bundle discounts, pay in full, switch companies, early shopping, and electronic funds transfer.
  • Auto-Owners Insurance may offer discounts for safe driver, company car, mature driver, teen driver, anti-lock brakes, anti-theft, and safe vehicle.
  • SAFECO may include discounts for homeowner, teen safe driver, multi-car, anti-theft, accident prevention training, and teen safety rewards.

When getting free insurance coverage quotes, it’s a good idea to all the companies what discounts are available to you. Some of the earlier mentioned discounts might not apply in your area.

Save $453 a year? Really?

Well-known insurance coverage companies like 21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make the point that drivers can save some big amount if you just switch to their company. How can each company charge you a lower premium?

All companies have strict underwriting profiles for the type of driver that will add to their bottom line. One example of a desirable risk may be between the ages of 40 and 55, owns a home, and does not commute to work. A driver who fits that profile will get a cheap rate quote and have a good chance to cut their rates substantially.

Insureds who fall outside these criteria will probably have to pay a higher premium and this results in the customer buying from a different company. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” can save as much as they claim. That is how insurance companies can make claims that they all have the best premium rates. Because each company has a different risk profile, you absolutely need to do a rate comparison at every renewal. Because without a comparison, you cannot know the company that will give you lower car insurance rates than your current company.

When to get professional advice

When buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might point out whether or not you could use an agent’s help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Am I getting all the discounts available?
  • When would I need additional glass coverage?
  • Am I covered if my car is in a flood?
  • Is a blown tire covered by insurance?
  • How do I buy GAP insurance?
  • Exactly who is provided coverage by my policy?
  • What can I do if my company won’t pay a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete your zip code.

The coverage is in the details

Having a good grasp of auto insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages – Liability insurance provides protection from damage that occurs to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as medical services, pain and suffering and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for expenses for things like prosthetic devices, chiropractic care, hospital visits and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a bird, a broken windshield and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Keep this in mind

Consumers leave their current company for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, lack of trust in their agent and even high prices. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.

Throughout this article, we presented a lot of techniques to lower your 2021 BMW 4 Series insurance premium rates. The key thing to remember is the more companies you get prices for, the better likelihood of getting affordable insurance coverage. You may even find the biggest savings come from a smaller regional carrier.

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an insured dropped physical damage coverage only to find out that the small savings ended up costing them much more. The aim is to buy enough coverage at the best price, but don’t skip important coverages to save money.

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