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BMW Car Insurance

Finding BMW car insurance that is cheap and affordable does not have to be hard. First, you want to compare rates and companies so your BMW car insurance will not break the bank. It does not matter which BMW you choose for you and your family, but it does matter what car insurance you choose. You want to protect your investment and the easiest way to do that is with solid BMW insurance.

One of the most popular auto manufacturers of all time is BMW. It is recognized on site simply by its BMW logo by millions around the world. The BMW 3 series is loved by drivers who are looking for a sedan that is a mixture of class, speed and safety. A sedan, sports utility vehicle or convertible are all within reach when it comes to BMWs. The BMW X3, X5 and X6 series give outdoor lovers more reason to travel and pack up their camping gear. The BMW Z4 series really give drivers control and speed making driving a little car a whole lot of fun.

A German automaker, BMW actually stands for Bayerische Motoren Werke, which started as an engine manufacturing company for airplanes before expanding its repertoire to include automobiles and motorcycles. It also owns and produces the Mini brand and is the parent company to the luxurious Rolls-Royce Motor Cars. The blue and white circular logo stands for movement of an aircraft propeller, to show the white blades cutting through the open blue sky. Design has always been important to this manufacturer. Their headquarters was designed in 1972 by Karl Schwanzer and is now a European icon. BMW Art Cars are painted by commissioned artists and have been shown at museums around the world including the Louvre and Guggenheim Museum Bilbao. They were also the principal sponsor of the 1998 The Art of the Motorcycle exhibition held at several Guggenheim museums.

Just as BMW pays attention to design and safety, it is also environmentally conscious. They are a charter member of the United States Environmental Protection Agency's National Environmental Achievement Track, which recognizes environmental stewardship and performance. It has taken measures to reduce its impact on the environment by producing less-polluting cars and making their models more fuel-efficient. They are also working on alternative fuel cars, such as electric and hybrid-powered models. They have over 45 models that have a CO2 output of less than 140g/km, which makes it eco-friendly. These environmentally friendly initiatives can pay off in BMW car insurance discounts. Between 2006 and 2008, the automaker doubled their reduction and beat out the competition in average engine output.

You can call it your Beemer, Beamer or even a Bimmer; just make sure you can also call it insured. If you start your search for BMW automobile insurance early, generally meaning a month before your current policy expires, and then you will be in a better position to find the lowest premium rate available. You want to look at coverage options and ways to decrease your premium. By doing this, your rates will be cheaper and easier to get.

Coverage Options

To begin figuring out what type of insurance you need, you should look at what your state mandates. Most states in the U.S. require some form of BMW car insurance before a vehicle can be registered. For example, the state of New York requires drivers to have $25,000 per person and up to $50,000 per accident in bodily injury coverage and $10,000 in property damage liability. Bodily injury liability covers medical costs and loss of wages for the driver and/or occupants of the car you are involved in an accident with. Property damage covers cost related to structural damage other than a car, such as a building or house. They are also required to have $25,000 per person and up to $50,000 per accident in uninsured/underinsured motorist bodily injury coverage and $5,000 for personal injury protection.

New York is a no-fault state, which means all drivers are held financially responsible for the car accident, and is why so many different types of coverage are required. Knowing if your state is a no-fault state or a tort state, which means one driver is found to be financially responsible for the car accident, is a big factor. This is because if you are in a tort state you may need to purchase additional insurance to protect your investment.

Additional BMW car insurance coverage may not be an option for those who are still financing their car. Banks and lenders often require more than just liability insurance when they are financing a car. Collision insurance helps with costs related to being involved in a car accident, such as repair and medical. Comprehensive insurance covers damage to your car done by the weather, theft of auto, vandalism or even window replacement. If your car is totaled, you will only be reimbursed for the blue book value, not the initial ticket price. Uninsured/underinsured motorist protection is very important, especially in a tort state. If you are involved in a car accident with a driver who does not have any BMW auto insurance or whose insurance is lacking, you will be forced to pay out of pocket. That is why most no-fault states require this type of BMW vehicle insurance coverage.

Lowering Your Premium Rate

Additional coverage can cause your insurance premium to rise, but there are ways you can lower it back down without limiting your BMW car insurance. Your age, gender, location, type of car and driving record are all ways your BMW vehicle insurance premium is calculated. Even though you cannot control all these factors, you can use them in your favor. For example, instead of dreading getting older, you can see the bright side of lower premium rates thanks to your experience of driving on the open road. Younger drivers who lack experience will have higher premium rates. City drivers will also have higher rates because they deal with a higher number of cars than someone living in a rural area does. So if you can carpool to work or limit your highway driving, you could lower your BMW car insurance premium.

To help clean up your driving record you may want to look into taking a defensive driving course that has been approved by your state and BMW automobile insurance company. You also want to research the company itself. Look into their customer service record, how they handle claims and what types of incentives they offer to drivers. Especially when it comes to BMWs, you want a company that recognizes the safety features and environmentally features. Combining cars into one policy or combing different types of insurance policies together (i.e. home and car) may help you reduce your overall premium. Also, increasing your deductible will help lower your premium.

Shopping on the Internet is the quick and easy way to find a low premium. You can search from hundreds of different BMW car insurance carriers to see which one fits your needs. You do not have to stay with your current provider. Make sure you look around and do your homework so when the time comes you will have the cheapest BMW car insurance available.



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