BMW X1 Insurance Rates

Drivers have lots of options when looking for the best insurance on your BMW X1. You can either contact a local agent or shop online to compare rates from multiple insurance companies. Shopping for car insurance on the web is easy, plus you might just save a little.

Consumers not familiar with buying insurance may think buying low-cost BMW X1 insurance is not very easy. Reducing your BMW X1 insurance cost isn't really that difficult. All that's required is to spend a few minutes on the computer to get quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by...

Auto insurance rates on a BMW X1 will vary greatly based upon several criteria. Including but not limited to:

• The performance level of your X1
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Young drivers cost more
• Whether you are married
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that will help determine BMW X1 insurance quotes is the model year. Newer models have a higher replacement value in comparison to later models so repair costs are higher which will push premiums up. On the flip side, more recent X1 vehicles may have a trim level with safety features like a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system so those may lower rates.

Liability car insurance

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your X1 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your BMW X1 can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper BMW X1 insurance quotes.

Comprehensive car insurance

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your BMW X1 comprehensive insurance. The maximum amount your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP is only offered in select states and gives slightly broader coverage than med pay.