2013 BMW 6 Series Gran Coupe Insurance Quotes – 8 Ideas for Cheaper Rates

Buyers have many options when searching for affordable BMW 6 Series Gran Coupe insurance. You can either waste hours driving around getting price quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for a new or used BMW and obtain the cheapest rates.

Smart consumers take time to take a look at other company’s rates every six months because insurance rates tend to go up over time. Despite the fact that you may have had the lowest rates for 6 Series Gran Coupe coverage a few years ago you can probably find a lower rate today. Don’t believe everything you read about auto insurance on the internet, so I’m going to show you some good information on how to stop overpaying for insurance.

Buying car insurance is quite easy. If you currently have car insurance, you should be able to reduce your rates substantially using this information. Vehicle owners just need to learn the most efficient way to buy insurance on the web.

Which Insurance Coverage is Cheapest?

Lowering your 2013 BMW 6 Series Gran Coupe insurance coverage rates is not a difficult process. All you need to do is spend a few minutes to compare quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  1. The fastest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do separate quotes to each individual insurance coverage company. A single, simple form will get you price quotes from multiple low-cost companies. It’s the fastest way to compare.
  2. A more time consuming way to get comparison quotes requires a visit to the website for every company you want to comare and complete a new quote form. For instance, let’s say you want comparison quotes from Nationwide, Esurance and Farmers. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The most time-consuming method to compare rates is to drive around to and from local insurance agencies. Shopping for insurance coverage online can eliminate the need for a local agent unless you want the professional advice that only a license agent can provide. However, consumers can get the lowest quotes online and still use a local agent and we’ll talk about that later.

Whichever method you choose, ensure you’re using exactly the same information for each price quote. If each company quotes differing limits it will be very difficult to determine which rate is truly the best.

Discounts can save BIG

Auto insurance companies don’t always publicize every discount in a way that’s easy to find, so we break down some of the best known and also the lesser-known insurance savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Own a Home – Being a homeowner may trigger a insurance policy discount because maintaining a house demonstrates responsibility.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you will save 10% to 20% off each policy.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Senior Citizens – Mature drivers may qualify for a discount up to 10% for 6 Series Gran Coupe coverage.

It’s important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free insurance policy, companies wouldn’t make money that way.

Companies that may offer these discounts include:

Double check with each company what discounts are available to you. All car insurance discounts might not apply in your area.

Will just any policy work for me?

When it comes to choosing the best insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique.

For example, these questions could help you determine if your situation could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my 2013 BMW 6 Series Gran Coupe need full coverage?
  • When should I not file a claim?
  • When can my company non-renew my policy?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverages for a BMW 6 Series Gran Coupe

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

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, X-ray expenses, doctor visits, surgery and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive auto insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed, damage from a tornado or hurricane, hitting a bird and theft. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your BMW 6 Series Gran Coupe.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as structural damage, attorney fees and medical services. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision insurance

This will pay to fix damage to your 6 Series Gran Coupe caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.