Cheap 2009 BMW 1 Series Car Insurance Quotes

Nobody I know cherishes buying auto insurance, especially when the price is too high.

Lots of insurance companies contend for your hard-earned dollar, so it’s not easy to compare every provider and uncover the absolute lowest cost out there.

It’s important to shop coverage around occasionally due to the fact that insurance rates are variable and change quite frequently. If you had the best rates for 1 Series coverage a year ago other companies may now be cheaper. There is too much inaccurate information about auto insurance on the web, but we’re going to give you the easiest ways to reduce your auto insurance bill.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Finding the best rates is easy if you know what you’re doing. Nevertheless, car owners should learn the way insurance companies market insurance on the web and take advantage of how the system works.

BMW 1 Series rate determination is complex

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that can help you get better auto insurance rates.

  • Big city or small town – Choosing to live in small towns and rural areas is a positive aspect when talking about auto insurance. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
  • Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. Safer cars have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your BMW earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Liability coverage is cheap – Liability coverage will protect you if you are found liable for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Having a spouse can save you money – Having a spouse actually saves money on your auto insurance policy. Marriage translates into being more responsible and statistics show married couples file fewer claims.
  • More than one policy can earn a discount – The majority of insurance companies give discounts to people who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to verify if the discount is saving money. Consumers may find a better deal by splitting coverages up.
  • With age comes lower rates – Older insureds are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be less responsible when behind the wheel therefore auto insurance rates are much higher.
  • Low deductibles can be expensive – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your BMW from damage. Examples of covered claims could be a windshield shattered by a rock, collision with an animal, or theft. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more money you’re willing to pay, the less your auto insurance will be for 1 Series coverage.
  • No coverage gaps is important – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your coverage lapse. And not only will your rates increase, failure to provide proof of insurance can result in a revoked license or a big fine.

Comprehensive Insurance Comparison

All the larger insurance companies such as State Farm, Allstate and GEICO give price estimates on their websites. Getting online rates is fairly simple as you just enter your required coverages as requested by the quote form. Once you submit the form, their system automatically retrieves your credit score and driving record and returns a price based on many factors. Quoting online streamlines rate comparisons, but the process of having to visit different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible in order to get the lowest insurance rates.

Rate comparisons made easy

The smarter way to find better insurance pricing makes use of a single form to get prices from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes quoting online a little more enjoyable. After sending the form, it gets priced with multiple companies and you can pick any of the returned quotes.

If you find a better price you can click and sign and purchase coverage. It takes less than 15 minutes and may result in a nice savings.

To compare pricing, click here to open in a new tab and enter your information. To compare your current rates, we recommend you enter the coverages exactly as shown on your declarations page. Doing this guarantees you will be getting rate quotes based on similar coverages.

How to save on 2009 BMW 1 Series insurance

Car insurance is not cheap, but you can get discounts that you may not know about. Most are applied when you quote, but some must be inquired about before being credited.

  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn up to 20% off your total premium.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for 1 Series coverage with a few insurance coverage companies.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. But any discount will reduce the amount you have to pay.

Companies that possibly offer some of the above discounts include:

Double check with each company which discounts you may be entitled to. Savings might not be offered in your state.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might point out whether or not you could use an agent’s help.

  • Is pleasure use cheaper than using my 2009 BMW 1 Series to commute?
  • Do I have coverage when making deliveries for my home business?
  • I don’t drive much so do I pay less?
  • Am I covered if hit by an uninsured driver?
  • Where can I get insurance after a DUI in my state?
  • What are the financial responsibility laws in my state?
  • Is my teen driver covered when they drive my company car?
  • Should I get collision insurance on every vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What happens if I owe more than my 2009 BMW 1 Series is worth?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

The coverage is in the details

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

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. This coverage pays for hospital bills for your injuries and also any damage incurred to your BMW 1 Series.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, theft, a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for X-ray expenses, pain medications, nursing services and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage


This coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

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 values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like legal defense fees, medical expenses, attorney fees, repair costs for stationary objects and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

This covers damage to your 1 Series caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, rolling your car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

The bottom line

As you shop your coverage around, you should never buy less coverage just to save a little money. There are too many instances where an accident victim reduced physical damage coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

You just learned a lot of ways to save on 2009 BMW 1 Series insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from the least-expected company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

More resources