2019 BMW 4 Series Car Insurance Rates in 2024

Looking for lower car insurance rates for your BMW 4 Series? If you’re searching for more affordable insurance, are you overwhelmed by the wide range of car insurance providers? You have so many choices that it can be a big hassle to find a cheaper company.

Take policy discounts and save

Car insurance companies don’t always list all possible discounts very well, so we researched both well-publicized and also the more inconspicuous savings tricks you should be using when you buy insurance online.

• Bundle and Save – When you have multiple policies with one company you could save at least 10 to 15 percent or more.
• Theft Deterrent Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
• Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents so you can save 10 percent or more.
• Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
• Home Ownership Discount – Being a homeowner can save you money because of the fact that having a home shows financial diligence.
• Data Collection Discounts – Insureds that choose to allow data collection to analyze when and where they use their vehicle by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they have good driving habits.
• Distant College Student Discount – College-age children who live away from home to go to college and won’t have access to an insured vehicle can receive lower rates.
• Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. This discount can apply up to age 25.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, it’s just not the way it works.

If you would like to view companies with discount rates, enter your zip code here.

Compare insurance rate quotes

There are several ways to compare quotes from different insurance companies. The fastest way to find the cheapest 2019 BMW 4 Series insurance rates consists of shopping online. This is very easy and can be done using a couple different methods.

1. The fastest and easiest way to compare a lot of rates at once would be an industry-wide quote request form. This type of form prevents you from having to do separate forms for every insurance company. A single form gets rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
2. A different way to compare rate quotes is going to each company website and request a quote. For example, let’s say you want to get rates from Liberty Mutual, Esurance and American Family. In order to compare rates, you need to spend time on each company’s site and repeatedly enter your information, which can get old fast.

Compare rates however you want, just do your best to use apples-to-apples coverage limits for each quote you get. If the quotes have mixed coverages it will be impossible to truly determine the lowest rate. Even a minor difference in limits can make a big difference in price. And when quoting insurance, remember that comparing more quotes increases the change that you will find the best offered rates.

Decisions you make can impact your insurance rates

The best way to find cheaper auto insurance is to take a look at some of the elements that come into play when calculating auto insurance rates. If you know what impacts premium levels, this empowers consumers to make smart changes that could help you find lower rates.

Listed below are a few of the things that factor into your rate level.

• Alarm systems lowers auto insurance rates – Driving a car that has an advanced theft prevention system can earn a premium discount. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft and help bring rates down.
• Low mileage costs less – Driving a lot of miles each year the more you’ll pay to insure it. Most companies price each vehicle’s coverage partially by how you use the vehicle. Autos that are left in the garage cost less to insure than cars that get driven a lot. Having the wrong rating on your 4 Series can result in significantly higher rates. Verify your auto insurance policy reflects the correct driver usage, because it can save money.
• Cautious drivers pay lower premiums – Having a clean driving record impacts premiums far more than you think. Even one moving violation may cause rates to rise twenty percent or more. Careful drivers get better rates than people who have multiple driving citations. Drivers unfortunate enough to have license-revoking citations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state’s licensing department in order to legally drive.
• Premiums may be higher where you live – Having an address in smaller towns and rural areas of the country can save you money when trying to find low car insurance rates. Residents of big cities have much more traffic and higher rates of accident claims. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
• Teen drivers cost more – More mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Drivers with little experience are known to be less responsible when driving and because of this, their auto insurance rates are much higher.
• Be proud to be claim-free – Auto insurance companies generally give most affordable rates to people who are not frequent claim filers. If you file claims often, you can look forward to higher rates. Your insurance policy is intended for larger claims.
• What are your comp and collision deductibles? – Comprehensive and collision coverage deductibles define how much you are required to pay if you file a covered claim. Protection for physical damage, aka comp and collision, is used to repair damage to your car. Some coverage claims are colliding with a stationary object, vandalism, and having a roll-over accident. The more of the claim you choose to pay out-of-pocket, the better rate you will receive on 4 Series coverage.
• Car plus home equals more savings – Lots of insurance companies give discounts to insureds that have more than one policy such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even though this discount sounds good, you may still want to shop around to help guarantee you have the best rates.

Which policy gives me the best coverage?

When choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For instance, these questions might point out if your situation may require specific advice.

• Is Motor Club coverage worth it?
• Am I missing any policy discounts?
• What if I owe more than I can insure my car for?
• Does coverage extend to my business vehicle?
• When should I buy a commercial auto policy?
• Do I need roadside assistance coverage?
• Do I pay less for low miles?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.

Insurance coverage options for a 2019 BMW 4 Series

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability coverages

This will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage pays for claims like funeral expenses, attorney fees, court costs and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Collision insurance

Collision coverage pays for damage to your 4 Series caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for nursing services, rehabilitation expenses and hospital visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your BMW 4 Series.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Have the Midas touch

Budget-friendly insurance is available on the web and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online price quotes and many times these regional insurance providers only sell coverage through independent agents.

We just covered a lot of tips how to reduce 2019 BMW 4 Series insurance car insurance rates online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance comes from a small mutual company.

People switch companies for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, poor customer service and even lack of trust in their agent. Whatever your reason, finding a great new company can be less work than you think.