2010 BMW 6 Series Insurance Cost in 2024 – 5 Tips to Save

Looking for the cheapest car insurance rates for your BMW 6 Series? Finding cheap prices on Driverscar insurance can be slightly frustrating for beginners to online price comparisons. When there are so many companies in the marketplace, it can easily become a difficult situation to find the perfect company for you.

The purpose of this article is to introduce you to how to get online quotes and some tips to save money. If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. But car owners do need to learn how companies sell insurance online and use this information to your advantage.

Lower rates by qualifying for these five discounts

Companies that sell car insurance don’t list every discount very clearly, so the list below contains both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online. If you’re not getting every credit you deserve, you could be paying more than you need to.

• Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems could see savings of 20% or more.
• Telematics Data – Drivers that enable their insurance company to analyze driving patterns by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and the ABS can save up to 10%.
• Service Members Pay Less – Having an actively deployed family member could qualify you for better auto insurance rates.
• Discounts for Government Workers – Active or former government employment may qualify for a discount when you quote insurance on 6 Series coverage but check with your company.

Don’t be surprised that most discount credits are not given to the whole policy. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works.

Larger auto insurance companies and a summarized list of policyholder discounts are outlined below.

• GEICO policyholders can earn discounts including anti-lock brakes, federal employee, military active duty, daytime running lights, and membership and employees.
• MetLife may have discounts that include defensive driver, multi-policy, accident-free, good driver, claim-free, good student
• Progressive includes discounts for multi-policy, good student, online quote discount, continuous coverage, online signing, and homeowner.
• Travelers offers premium reductions for continuous insurance, hybrid/electric vehicle, driver training, multi-car, and student away at school.
• SAFECO may include discounts for safe driver, anti-lock brakes, accident prevention training, bundle discounts, teen safety rewards, and anti-theft.
• AAA has discounts for good driver, pay-in-full, anti-theft, education and occupation, multi-car, AAA membership discount, and good student.

If you need lower rates, check with each company the best way to save money. Some discounts may not apply in your area. If you would like to view companies with discount rates, enter your zip code here.

Car insurance is unique, just like you

When buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

• Do I need higher collision deductibles?
• What is the ISO rating for a 2010 BMW 6 Series?
• What is medical payments coverage?
• Is upholstery damage covered by car insurance?
• Why do I need rental car insurance?
• How much liability coverage do I need in my state?
• Should I put collision coverage on all my vehicles?
• What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete your zip code.

Specific coverages for a 2010 BMW 6 Series

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

This covers damage to your 6 Series resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Auto liability

This provides protection from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like structural damage, court costs and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for things like pain medications, EMT expenses, doctor visits and surgery. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, a tree branch falling on your vehicle, falling objects, hitting a deer and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your BMW 6 Series.

Because many people have only the minimum liability required by law, 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. Most of the time these coverages do not exceed the liability coverage limits.

The bottom line

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret that they should have had better coverage. Your goal should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

Consumers switch companies for a number of reasons such as denial of a claim, poor customer service, delays in paying claims and even questionable increases in premium. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Lower-priced 2010 BMW 6 Series insurance can be sourced from both online companies as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers may not have rate quotes online and many times these regional carriers work with local independent agents.