Paying more affordable coverage rates for BMW X6 insurance in Long Beach may be slightly frustrating for beginners to comparing prices online. Because there are so many online companies available, it can easily become a ton of work to locate the lowest coverage rates.
Steps to buying lower priced BMW X6 insurance in Long Beach
The best way we recommend to get discount auto insurance rates in Long Beach is to regularly compare quotes from insurance carriers that insure vehicles in California. Rates can be compared by following these guidelines.
First, try to comprehend auto insurance and the things you can change to lower rates. Many rating factors that cause rate increases like speeding tickets, careless driving and a less-than-favorable credit rating can be eliminated by making minor changes in your lifestyle. This article provides more information to help find cheaper rates and find additional discounts.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple companies.
Third, compare the quotes to your existing coverage to determine if you can save on X6 insurance. If you find a better price and switch companies, verify that coverage does not lapse between policies.
Fourth, tell your current agent or company of your intention to cancel your current policy. Submit payment and a signed application to the newly selected company. As soon as you can, put the new proof of insurance certificate in an easily accessible location in your vehicle.
A good piece of advice is to use identical coverages on each quote request and and to get quotes from as many auto insurance providers as possible. This helps ensure a fair price comparison and the most accurate and complete price analysis.
It’s safe to assume that car insurance companies want to keep you from comparing prices. Drivers who compare rates once a year are inclined to switch companies because of the high probability of finding a lower-priced policy. A survey found that people who make a habit of shopping around saved approximately $3,500 over four years compared to people who don’t regularly compare prices.
If saving money on insurance in Long Beach is the reason you’re reading this, then having a grasp of how to find and compare coverage rates can make it easier to find better rates.
It’s smart to compare prices periodically because prices tend to go up over time. Just because you had the best rates on BMW X6 insurance in Long Beach six months ago you can probably find a lower rate today. There is too much inaccurate information about X6 insurance out there, but in a few minutes you can learn some proven techniques to find affordable auto insurance in Long Beach.
It’s important to know that having more price comparisons helps you find a better price. Not every company allows you to get online price quotes, so you should also compare price estimates from them as well.
The companies shown below have been selected to offer free quotes in California. If your goal is to find the best car insurance in Long Beach, CA, we suggest you visit as many as you can to get the best price comparison.
BMW X6 insurance rate analysis
The premium table displayed below outlines different insurance policy prices for BMW X6 models. Learning a little about how auto insurance prices are calculated can be valuable when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| X6 35I AWD | $516 | $1212 | $534 | $32 | $160 | $2,454 | $205 |
| X6 50I AWD | $564 | $1352 | $534 | $32 | $160 | $2,642 | $220 |
| X6 ActiveHybrid AWD | $612 | $1494 | $534 | $32 | $160 | $2,832 | $236 |
| X6 M AWD | $612 | $1494 | $534 | $32 | $160 | $2,832 | $236 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific garaging location which can change premiums greatly.
Physical damage deductibles: Should you raise them?
A question often asked by Long Beach drivers is how high should the physical damage coverage deductibles be. The data tables below help summarize the rate difference between low and high insurance deductibles. The first set of rates uses a $100 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| X6 35I AWD | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| X6 50I AWD | $576 | $1176 | $442 | $26 | $132 | $2,377 | $198 |
| X6 ActiveHybrid AWD | $624 | $1298 | $442 | $26 | $132 | $2,547 | $212 |
| X6 M AWD | $624 | $1298 | $442 | $26 | $132 | $2,547 | $212 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| X6 35I AWD | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| X6 50I AWD | $320 | $620 | $442 | $26 | $132 | $1,540 | $128 |
| X6 ActiveHybrid AWD | $346 | $684 | $442 | $26 | $132 | $1,630 | $136 |
| X6 M AWD | $346 | $684 | $442 | $26 | $132 | $1,630 | $136 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Information does not factor in zip code location which can lower or raise coverage rates considerably.
Using the premium rates above, we can conclude that using a $100 deductible costs roughly $72 more each month or $864 each year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 13 months between claims, you would most likely save money if you decide on a higher deductible.
The illustration below demonstrates how deductible levels and can impact BMW X6 insurance costs for different age groups. The rates are based on a single male driver, full coverage, and no additional discounts are factored in.
Age, gender, and BMW X6 insurance
The chart below illustrates the difference between BMW X6 auto insurance rates for male and female drivers. Data assumes no violations or accidents, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are factored in.
BMW X6 liability-only versus full coverage
The example below shows the difference between BMW X6 yearly insurance costs with full physical damage coverage and with liability coverage only. The information is based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive formula that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your BMW X6 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying your policy deductible. If you are paying more than $500 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some cases where only buying liability is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not drop full coverage.
Insurance protects more than just your car
Despite the high cost of buying insurance for a BMW X6 in Long Beach, insuring your vehicle is most likely required but also gives you several important benefits.
- The majority of states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability protection in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your X6 with a loan, it’s most likely the lender will require you to have physical damage coverage to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your BMW at a much higher premium rate and require you to reimburse them the higher price.
- Insurance preserves not only your BMW X6 but also your assets. Insurance will also pay for hospital and medical expenses incurred in an accident. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If your BMW gets damaged, comprehensive and/or collision insurance will cover the repair costs.
The benefits of insuring your X6 are definitely more than the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays more than $800 each year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.
Auto insurance discounts help lower rates for BMW X6 insurance in Long Beach
Auto insurance is neither fun to buy or cheap, but you might find some hidden discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but occasionally some discounts must be asked for in order for you to get them.
- 55 and Retired – Drivers that qualify as senior citizens may be able to get reduced rates.
- Good Drivers – Drivers who don’t get into accidents can save up to 40% or more on their Long Beach auto insurance quote than drivers with accident claims.
- Telematics Data Discounts – Insureds that choose to allow data collection to scrutinize driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they exhibit good driving behavior.
- Accident Waiver – Not really a discount, but a handful of insurance companies will allow you to have one accident before your rates go up with the catch being you have to be claim-free for a set time period.
- Air Bag Discount – Vehicles with factory air bags can qualify for discounts of 20 to 30 percent.
- Good Grades Discount – Maintaining excellent grades can save 20 to 25%. Earning this discount can benefit you until age 25.
- Professional Organizations – Participating in a professional or civic organization could qualify you for a break on your next auto insurance statement.
- Federal Employees – Having worked for a branch of the government may reduce rates when you quote Long Beach auto insurance with certain companies.
A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, companies don’t profit that way.
The example below shows the difference between BMW X6 insurance costs with and without policy discounts. The premiums assume a male driver, no violations or claims, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, claim-free, and multi-policy discounts applied.
Car insurance companies that may offer policyholders most of the discounts above may include but are not limited to:
Before you buy a policy, ask every prospective company which credits you are entitled to. Depending on the company, some discounts may not be offered everywhere. To choose auto insurance companies that provide some of the discounts listed above in California, click here.
Are auto insurance agents obsolete?
A lot of people just want to get advice from a local agent and that is recommended in a lot of cases One of the great benefits of price shopping on the web is that you can find cheap car insurance rates and still buy from a local agent.
Once you complete this quick form, the quote information is submitted to agents in your area who will return price quotes to get your business. It’s much easier because you don’t need to leave your house because quoted prices will be sent to you. You can find better rates without the usual hassles of price shopping. If you wish to compare rates from a specific company, just navigate to their website and submit a quote form there.
Choosing an provider should depend on more than just the premium amount. Get answers to these questions too.
- How long have they been in business?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is assistance available after office hours?
- Which members of your family are coverage by the policy?
- Did they already check your driving record and credit reports?
Exclusive or Independent: There is a difference
If you prefer to buy car insurance from a reputable agency, there are a couple of different types of agencies and how they are distinctly different. Car insurance agents are categorized either independent agents or exclusive agents.
Exclusive Insurance Agencies
Exclusive insurance agents generally can only insure with one company and examples are State Farm, Allstate, and Farm Bureau. They are unable to provide prices from multiple companies so they really need to provide good service. These agents are trained well on their company’s products which helps them sell on service rather than price. Many people use the same agent mainly due to the brand name and strong financial ratings.
Shown below is a short list of exclusive agents in Long Beach who can help you get price quotes.
- Farmers Insurance – David Van Wyk
1959 E Spring St – Long Beach, CA 90806 – (949) 770-1708 – View Map - Vinny Bommaiah – State Farm Insurance Agent
6272 Pacific Coast Hwy Ste C – Long Beach, CA 90803 – (562) 439-8544 – View Map - Farmers Insurance: Peter Long
818 E Anaheim St #220 – Long Beach, CA 90813 – (562) 951-1813 – View Map
Independent Insurance Agents
Independent agents are not limited to a single company so as a result can place your coverage with an assortment of companies and find the cheapest rate. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. If you are comparing rate quotes, we recommend you get quotes from several independent insurance agents to get the most accurate price comparison. Many can place coverage with smaller regional carriers which can save you money.
Listed below is a short list of independent insurance agents in Long Beach that are able to give price quote information.
- Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map - Priscilla Vallejos Insurance Agency
2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 – View Map - Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – View Map
Insurance coverage basics
Learning about specific coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Collision protection
This will pay to fix damage to your X6 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch, crashing into a building, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your X6 to bring the cost down.
Coverage for liability
This coverage can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 that translate to $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.
Liability insurance covers claims like court costs, pain and suffering and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but you should consider buying more coverage.
The chart below demonstrates why low liability limits may not be enough coverage.
Comprehensive insurance
This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like hitting a bird, vandalism and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your BMW X6.
Since many California drivers only carry the minimum required liability limits (15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for hospital visits, dental work, ambulance fees, X-ray expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
What is YOUR best insurance company?
The cheapest BMW X6 insurance in Long Beach is attainable both online and with local Long Beach insurance agents, so you should compare both in order to have the best chance of saving money. Some companies may not provide the ability to get quotes online and usually these smaller providers only sell coverage through independent agents.
People leave their current company for a variety of reasons including not issuing a premium refund, policy non-renewal, high prices or even policy cancellation. Whatever your reason, switching insurance companies is pretty easy and you might even save some money in the process.
As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where someone sacrificed full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.
How to find lower priced BMW X6 insurance in Long Beach
It takes a little time, but the best way to get cheaper BMW X6 insurance is to start comparing prices yearly from insurance carriers that insure vehicles in Long Beach.
First, read and learn about policy coverages and the factors you can control to prevent expensive coverage. Many rating factors that are responsible for high rates such as traffic violations, accidents, and poor credit history can be eliminated by making minor changes to your lifestyle.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Allstate, while independent agents can give you price quotes from many different companies. View prices
Third, compare the new quotes to the premium of your current policy to see if a cheaper rate is available. If you find better rates and decide to switch, make sure coverage is continuous and does not lapse.
The most important part of this process is to try to use identical deductibles and limits on every price quote and to quote with as many auto insurance providers as possible. This helps ensure an accurate price comparison and the best rate selection.
For more information, feel free to visit these articles:
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Used Cars in Long Beach? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Hyundai Elantra in Long Beach? (FAQ)
- How Much is Long Beach Auto Insurance for 17 Year Olds? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Car Insurance for Infrequent Drivers? (FAQ)
- Teen Driving Statistics (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)