How Much Does 2017 BMW 6 Series Insurance Cost in 2024?

Are you overwhelmed by the crazy number of auto insurance choices? Many other drivers are as well. Vehicle owners have so many choices that it can turn into a difficult mission to find the perfect company for you.

It’s a good habit to compare prices once or twice a year because prices change frequently. Just because you had the best deal on 6 Series insurance a year ago you can probably find a better premium rate now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the fastest and easiest way to eliminate unnecessary coverages and save money.

How to buy auto insurance online

To get low cost car insurance quotes, there a variety of ways of comparing rates from local auto insurance companies. One of the best ways to find the lowest 2017 BMW 6 Series rates consists of shopping online. This is very easy and can be done in several different ways.

If you’re in a hurry, the quickest way to get quotes for comparison would be an industry-wide quote request form. This quick form prevents you from having to do separate forms to each individual auto insurance company. One form submission gets rate comparisons from multiple companies. It’s the fastest way to compare.

A slightly less efficient method to analyze rates requires visiting each company website and repeat the quote process again and again. For instance, we’ll assume you are doing a rate comparison from USAA, Allstate and Liberty Mutual. To get each rate you have to go to every website to enter your coverage information, which can get old fast.

The method you choose is up to you, but be sure you’re using equivalent coverage information for every quote you compare. If the quotes have different deductibles it’s not possible to determine the best price for your BMW 6 Series. Slightly different insurance coverages or limits may result in large price differences. And when comparison shopping, more quotes will improve the odds of getting lower pricing.

Insurance quotes and discounts

Some companies don’t always list the complete list of policy discounts in an easy-to-find place, so we took the time to find a few of the more well known as well as some of the hidden discounts that you may qualify for.

• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 25 to 30%.
• Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
• Life Insurance – Select insurance companies reward you with a break if you buy a life policy as well.
• Drivers Education – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
• More Vehicles More Savings – Buying insurance for multiple cars or trucks with one company can reduce the rates for all insured vehicles.
• Safety Restraint Discount – Drivers who require all occupants to buckle up may be able to save a few bucks off the medical payments premium.
• Switch and Save Discount – A few insurance companies allow discounts for switching to them before your current expiration date. You could save around 10% when you buy car insurance online.
• Student in College – who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.
• Onboard Data Collection – Policyholders that allow their insurance company to analyze their driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as they are good drivers.

As a footnote on discounts, many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Insurance companies that may offer policyholders most of the discounts above include:

• GEICO
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

If you need lower rates, check with each insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not be offered in your area. If you would like to view providers that have a full spectrum of discounts, enter your zip code here.

Four tips to get lower-cost insurance costs

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that are used to determine auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that could result in lower auto insurance prices.

• Auto insurance rates may be lower depending on your job – Occupational choices like military generals, business owners and emergency personnel tend to have higher premiums than the average policyholder attributed to high stress and lengthy work days. Conversely, occupations like scientists, engineers and performers have lower than average premiums on 6 Series insurance.
• Is your vehicle theft-ready? – Choosing to buy a car with anti-theft technology or alarm system can help lower your rates. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your car from being stolen.
• Traffic violations hurt – A bad driving record impacts your car insurance rates tremendously. Just one moving violation may cause rates to rise substantially. Attentive drivers get better rates as compared to careless drivers. Drivers who have careless violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state in order to prevent a license revocation.
• Prevent auto insurance policy lapses – Not having insurance is not a good idea and auto insurance companies will penalize you for letting your insurance expire. And not only will your rates increase, being ticketed for driving with no insurance might get you fines and jail time.

Situations that may require an agent’s advice

When buying proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

• Am I covered when driving someone else’s vehicle?
• Is business property covered if stolen from my car?
• Can I afford to buy a different vehicle if my 2017 BMW 6 Series is totaled?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered if I crash into my own garage door?
• Does my medical payments coverage pay my health insurance deductible?
• Do I pay less if my vehicle is kept in my garage?
• What is PIP insurance?
• Does liability extend to a camper or trailer?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete your zip code.

Auto insurance ads are enticing

Popular auto insurance providers such as Allstate and Progressive endlessly run ads on TV and radio. They all make the same claim that drivers can save some big amount if you just switch to their company. Is it even possible that every company can give you a better price? This is the trick they use.

Many companies have strict underwriting profiles for the type of customer that will generate a profit. For example, a driver they prefer may be between the ages of 40 and 55, has no tickets, and has excellent credit. A driver that meets those criteria will get the preferred rates and have a good chance to save a lot if they switch.

Drivers who fall outside these criteria may receive higher premium rates which leads to business not being written. The trick companies use is to say “people who switch” not “everyone who quotes” save that much money. That’s the way insurance companies can claim big savings. This really illustrates why you absolutely need to get price quotes at each policy renewal. Because you never know with any certainty which company will provide you with the cheapest prices.

Coverages available on your insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision – Collision coverage covers damage to your 6 Series resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for things like doctor visits, dental work, chiropractic care, surgery and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance – This coverage provides protection from damage or injury you incur to a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover 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. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage pays for things such as emergency aid, structural damage, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your BMW 6 Series.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for 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 such as rock chips in glass, vandalism and hitting a bird. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

You can do this!

Consumers who switch companies do it for any number of reasons including delays in paying claims, poor customer service, high prices and not issuing a premium refund. Whatever your reason, finding a new auto insurance company is actually quite simple.

Lower-priced auto insurance is possible both online and also from your neighborhood agents, so you need to quote car insurance with both in order to have the best price selection to choose from. Some insurance companies do not provide price quotes online and these small, regional companies only sell through local independent agents.

We covered many ideas to lower your 2017 BMW 6 Series insurance car insurance rates. The key concept to understand is the more quotes you get, the higher your chance of finding inexpensive car insurance. You may even find the lowest car insurance rates are with the smaller companies.