Best 8 Ways You Can Buy Coverage for a BMW Alpina and Save Money

Locating the cheapest insurance for a BMW Alpina can turn out to be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to find auto insurance online so you’re going to learn the proper way to price shop coverage for a BMW and get the lowest possible price.

Where Can I Get Cheap Auto Insurance?

Performing a rate comparison can take time and effort if you don’t know the best way to get rate quotes. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many popular insurance companies belong to an insurance system where prospective buyers enter their coverage request one time, and each participating company then gives them pricing based on the submitted data. This saves time by eliminating form submissions for each company. To compare pricing click here (opens in new window).

The one downside to using this type of system is you cannot specify which companies you want pricing from. So if you prefer to pick individual companies to compare, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples coverage limits on every quote you get. If you compare different liability limits it will be impossible to find the best deal for your BMW Alpina. Just a small difference in coverage limits can result in a big premium difference. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

How much can you save with these eight discounts?

Companies offering auto insurance don’t always list all their discounts in a way that’s easy to find, so here is a list some of the more common as well as the least known savings tricks you should be using.

  • Fewer Miles Equal More Savings – Fewer annual miles on your BMW can earn lower rates on the low mileage vehicles.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Alpina coverage with certain companies.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates for Alpina coverage.
  • Accident Free – Drivers who don’t have accidents pay much less when compared to bad drivers.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.

Consumers should know that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

For a list of insurance companies with discount auto insurance rates, follow this link. insurance prices

Coverages available on your auto insurance policy

Having a good grasp of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, hail damage, a tree branch falling on your vehicle, fire damage and vandalism. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays for damage to your Alpina from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability insurance

This can cover damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, loss of income, court costs and funeral expenses. How much coverage you buy is a personal decision, but buy as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like chiropractic care, surgery and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your BMW Alpina.

cheapest Alpina insurance

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Smart consumers save more

You just learned a lot of tips how to reduce BMW Alpina insurance prices online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from some of the smallest insurance companies.

Low-cost BMW Alpina insurance can be purchased on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide online price quotes and these small insurance companies work with independent agents.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.