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Car Insurance For Your BMW

It’s essential to find the right coverage, especially when insuring a premium brand like BMW. You might be concerned that car insurance for your BMW is going to be more expensive than some other brands. Whilst BMW is aligned as a higher end vehicle there are ways to help prevent over paying on your BMW insurance policy. Whether you’re buying a sleek BMW sedan or an SUV, understanding insurance basics can save you money while ensuring you’re fully protected

• Type of cover – While third-party cover is cheaper, it’s advisable to opt for comprehensive insurance for a BMW. Premium cars often have higher repair costs, and comprehensive cover ensures you aren’t left footing the bill.
• Only choose extra’s you need – the add on’s can sound great, but make sure you really need them and they are not covered in other types of insurance you have.
• Shop around and compare quotes – always be fully informed about what’s on to offer you
• Plan ahead – it’s now known that getting quotes a few weeks before your insurance is due, will almost always save you money.
• Increase voluntary excess – the higher the excess, the lower you might find the overall premium, but make sure you keep it affordable in the event that you need to pay it.
• Pay annually – Paying up front will save you on the overall cost of the policy. It feels like a big outlay but the savings can be worth it.
• Improve security – Consider investing in better security for your BMW, or if the security you have is good, work out if you can improve where it’s parked and stored to reduce security risks that can bring car insurance price rises.
• Mileage – Finally take some time to calculate the most likely mileage you will cover each year. We often over estimate or repeat what we have used in the past for cover but you may have changed your job location or work from home more. Or you may now use the BMW as a second car. These can all make a difference and a lower annual mileage will likely equate to a lower premium.
• Modifications – Avoid unnecessary modifications that can increase premiums
• Model – BMWs come in various models and engine sizes, from the 1 Series to high-performance M models. High-performance models tend to attract higher premiums due to the increased likelihood of accidents and repair costs.