2011 BMW 1 Series Insurance Rates – 7 Ideas for Cheaper Quotes

Trying to find cheaper insurance coverage rates for your BMW 1 Series? Searching for cheaper insurance for a BMW 1 Series could be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to buy insurance coverage so we’re going to tell you the proper way to quote coverages for a BMW and obtain the lowest price from both online companies and local agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you can use these techniques to reduce the price you pay while maintaining coverages. Vehicle owners only need an understanding of the most efficient way to find the lowest price online.

Vehicle Insurance Comparison

Performing a rate comparison can take time and effort if you don’t know the easiest way. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use the web to get pricing more quickly.

Most of the best insurance companies belong to an insurance system that allows shoppers to complete one form, and every company provides a quote based on that information. This eliminates the need for repetitive form submissions for every auto insurance company.

To enter your information into the quoting system, click to open in new window.

The only downside to using this type of system is you are unable to specify which insurance companies you want to price. So if you prefer to pick from a list of companies to compare, we put together a list of low cost auto insurance companies in your area. Click to view list.

Whichever method you choose, compare apples-to-apples quote information on every quote. If the quotes have different values for each quote it will be very difficult to find the best deal for your BMW 1 Series.

Tailor your coverage to you

When choosing coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether your personal situation could use an agent’s help.

  • Are rock chip repairs covered?
  • Does having multiple vehicles earn me a discount?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I make deliveries for my home business?
  • How high should my medical payments coverage be?
  • Is business property covered if stolen from my car?
  • What is an SR-22 filing?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance pays for damage to your 1 Series from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage can cover injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as attorney fees, legal defense fees, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, vandalism, hitting a bird and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your BMW 1 Series.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills for pain medications, doctor visits and chiropractic care. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage