Save on 2022 BMW 7 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: May 9, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Searching for the cheapest insurance for a BMW 7 Series could be an all-consuming task, but you can follow our insurance buying tips to find lower rates. There is a right way and a wrong way to buy insurance so we’re going to tell you the absolute fastest way to price shop coverage for your BMW and obtain the cheapest rates.

It’s smart to do price comparisons quite often since insurance prices change quite often. Even if you got the best rate on 7 Series coverage last year you can probably find a better premium rate now. Forget all the misinformation about insurance because you’re about to learn one of the quickest ways to lower your annual insurance bill.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use these tips to find better prices and possibly find even better coverage. Consumers just need to know the best way to compare prices online.

Which insurance is cheapest?

Performing a rate comparison is a ton of work if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) driving to insurance companies in your area, or you can stay home and use the internet to quickly compare rates.

Most car insurance companies enroll in a system that allows shoppers to enter their policy data once, and at least one company provides a quote determined by their information. This prevents consumers from doing quotation requests for every insurance company. To find out how much you’re overpaying now enter your zip code here.

The one disadvantage to getting quotes like this is that consumers can’t choose the providers you want pricing from. If you prefer to choose from a list of companies to compare, we have assembled a list of companies who write insurance in your area. Click to enter zip code.

It’s up to you which method you use, but make sure you are using the same coverage limits and deductibles for each quote you get. If you have different values for each quote it’s impossible to make an equal comparison.

These discounts can slash insurance coverage rates

Some insurers don’t list all discounts very clearly, so we break down some of the best known and the more hidden credits that may apply to you. If you don’t get every credit possible, you’re just leaving money on the table.

  • Passive Restraint Discount – Factory options such as air bags may qualify for discounts as much as 30%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save a little off the personal injury premium cost.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for substantially lower premium rates.
  • Switch and Save Discount – Some insurance companies provide a discount for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Discounts for Multiple Vehicles – Buying insurance for primary and secondary vehicles with one company can reduce rates for all insured vehicles.

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, nobody gets a free ride.

A partial list of companies that may offer quotes with these discounts may include but are not limited to:

  • Esurance
  • The Hartford
  • AAA
  • GEICO
  • State Farm

If you need cheap auto insurance quotes, ask each company or agent the best way to save money. Some of the discounts discussed earlier may not apply everywhere. To find providers who offer free insurance coverage quotes, enter your zip code here.

Smart buyers know how to get auto insurance for less

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help determine the price you pay for auto insurance. If you have some idea of what controls the rates you pay, this allows you to make good choices that can earn you lower premium levels.

  • Liability coverage is cheap – The liability section of your policy provides coverage if ever you are found to be at fault for damages from an accident. Liability insurance provides legal defense which can cost a lot. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Insure your auto and home with one company – Some insurance companies will award discounts to customers that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount, drivers will still want to comparison shop to ensure the best deal.
  • Safety first – Vehicles with high crash test scores tend to be cheaper to insure. Highly rated vehicles have better occupant injury protection and any reduction in injury severity means less claims paid and cheaper rates on your policy.
  • High credit history translates to low costs – Having a good credit score will be a significant factor in determining what you pay. If your credit history can use some improvement, you could be paying less to insure your 2022 BMW 7 Series if you clean up your credit. People with excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit scores.

When do I need an agent’s advice?

When it comes to choosing the best car insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether your personal situation will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Where can I get insurance after a DUI in my state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I pay less for low miles?
  • What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Are you falling for claims of savings?

Drivers constantly see and hear ads that claim the cheapest car insurance rates by companies like GEICO, State Farm and Progressive. All the ads say the same thing that you can save just by switching to them.

That’s great but how can every company charge you a lower premium? You have to listen carefully.

All the different companies have underwriting criteria for the type of customer that will not have excessive claims. One example of a desirable insured might have to be between the ages of 40 and 55, has no prior claims, and drives less than 10,000 miles a year. A driver that matches those criteria will most likely get cheap premium rates and will probably save when switching.

Consumers who don’t meet these standards will get a higher premium and this can result in business not being written. If you pay close attention to the ads, they say “drivers that switch” not “everyone that quotes” save the amount stated. That’s the way companies can truthfully make it sound like they have such great car insurance rates. This really drives home the point why you really need to get a wide range of price quotes. It’s impossible to know which insurance companies will have better rates than you’re paying now.

Coverage specifics

Knowing the specifics of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision protection

This pays to fix your vehicle from damage from colliding 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 pays for claims like rolling your car, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability auto insurance

This provides protection from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

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 limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability coverage pays for claims such as emergency aid, pain and suffering, attorney fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like surgery, doctor visits, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive car insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a deer, a broken windshield, falling objects and vandalism. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

In any little way, save everyday

People leave their current company for many reasons like high prices, policy non-renewal, extreme rates for teen drivers or not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

Lower-priced 2022 BMW 7 Series insurance can be bought on the web and with local insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not have the ability to get quotes online and many times these regional carriers only sell through independent agents.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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