Find More Affordable Insurance for your BMW X1
If buying car insurance was fun, we'd do it as a recreational sport. But the reality is, you probably don't enjoy it and you think it costs too much. Cutting the check for each renewal on your BMW X1 might give you the same feeling.
Step One: Insurance Quotes
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. But now you can eliminate that hassle and buy online!
Comparing insurance rates for a BMW X1 only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Quote Tip! When doing car insurance quotes for your X1, make sure you use the exact same values for coverages and deductibles. If you use different limits, you will not be able to fairly compare rates between different companies.
Step Two: Insider Tips for Finding Cheaper X1 Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your X1 insurance rates.
- If you need the extra performance that your BMW X1 gives you, then you'll have to pay extra to insure it. Higher performance cars tend to be more expensive to insure.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- Owning a luxury vehicle like your X1 means you'll pay a little more for insurance due to the higher cost of repair parts.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
Step Three: Finalize your Policy Details
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your X1 with.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new X1 will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
To find out more information such as auto insurance myths, rental car insurance and how to file a claim, visit the Insurance Information Institute website.
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