Trying to find better insurance prices for your BMW X6 in Maryland can normally be difficult, but you can use the following methods and make it easy.
There is a better way to buy auto insurance and you need to know the quickest way to get price quotes on a BMW and find the lowest price from Baltimore insurance agents and online providers.
The companies shown below offer price quotes in Baltimore, MD. In order to find cheap auto insurance in Baltimore, we recommend you compare several of them to find the most competitive auto insurance rates.
Verify you’re receiving every discount
Car insurance is not cheap, but companies offer discounts that many people don’t even know exist. Most are applied at the time of quoting, but once in a while a discount must be specifically requested before you get the savings.
- ABS and Traction Control Discounts – Cars with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.
- Waiver for an Accident – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a specific time period.
- Drive Less and Save – Fewer annual miles on your BMW could earn lower prices on the low mileage vehicles.
- Claim-Free Discount – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
- Telematics Devices – Drivers who elect to allow driving data submission to monitor when and where they use their vehicle through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they are good drivers.
- Policy Bundle Discount – If you can combine your auto and home policy with the same company you could save up to 20% off your total X6 insurance premium.
- Discounts for Safe Drivers – Insureds who avoid accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
- Senior Citizen Discount – Drivers that qualify as senior citizens may receive better insurance rates.
As a sidenote, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works.
The information below illustrates the difference between BMW X6 yearly insurance costs with and without some available policy discounts. Data assumes a male driver, no claims or driving citations, Maryland state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, homeowner, claim-free, and multi-car discounts applied.
Large insurance companies and a selection of discounts include:
- AAA may have discounts that include pay-in-full, education and occupation, multi-policy, multi-car, anti-theft, and good student.
- Progressive may offer discounts for continuous coverage, multi-policy, good student, multi-vehicle, online quote discount, homeowner, and online signing.
- State Farm offers premium reductions for Drive Safe & Save, student away at school, accident-free, driver’s education, defensive driving training, and multiple autos.
- Esurance policyholders can earn discounts including DriveSense, safety device, online shopper, online quote, defensive driver, and claim free.
- Nationwide includes discounts for good student, multi-policy, family plan, defensive driving, anti-theft, business or organization, and accident-free.
It’s a good idea to ask every company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders everywhere. If you would like to view insurers who offer discounts in Baltimore, follow this link.
Rates and information analytics
The coverage information displayed next outlines detailed analysis of insurance policy prices for BMW X6 models. Knowing how insurance quotes are figured can benefit drivers when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| X6 35I AWD | $396 | $746 | $418 | $24 | $126 | $1,710 | $143 |
| X6 50I AWD | $432 | $834 | $418 | $24 | $126 | $1,834 | $153 |
| X6 ActiveHybrid AWD | $470 | $920 | $418 | $24 | $126 | $1,958 | $163 |
| X6 M AWD | $470 | $920 | $418 | $24 | $126 | $1,958 | $163 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in zip code location which can decrease or increase coverage prices considerably.
Policy deductible comparison
When shopping for car insurance, a common question is which comprehensive and collision deductibles to buy. The comparisons below may help to illustrate the rate difference between high and low coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| X6 35I AWD | $484 | $968 | $406 | $24 | $122 | $2,029 | $169 |
| X6 50I AWD | $530 | $1082 | $406 | $24 | $122 | $2,189 | $182 |
| X6 ActiveHybrid AWD | $574 | $1194 | $406 | $24 | $122 | $2,345 | $195 |
| X6 M AWD | $574 | $1194 | $406 | $24 | $122 | $2,345 | $195 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| X6 35I AWD | $268 | $510 | $406 | $24 | $122 | $1,330 | $111 |
| X6 50I AWD | $294 | $570 | $406 | $24 | $122 | $1,416 | $118 |
| X6 ActiveHybrid AWD | $318 | $630 | $406 | $24 | $122 | $1,500 | $125 |
| X6 M AWD | $318 | $630 | $406 | $24 | $122 | $1,500 | $125 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific garaging location which can alter coverage prices substantially.
Based on the above data, using a $100 deductible will cost you about $65 more each month or $780 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 14 months between claim filings, you would come out ahead if you elect the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $100 deductibles: | $185 |
| Average monthly premium for $1,000 deductibles (subtract): | – $120 |
| Monthly savings from raising deductible: | $65 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $65 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
Safe drivers pay less for car insurance
The illustration below highlights how speeding tickets and at-fault accidents influence BMW X6 yearly insurance costs for different insured age categories. The costs are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
Get rate quotes but buy from a local Baltimore insurance agent
Some consumers would prefer to visit with an insurance agent and doing so can bring peace of mind Good insurance agents can help you choose the best coverages and help file insurance claims. The biggest benefit of comparing rates online is you can get cheaper car insurance rates but still work with a licensed agent. And providing support for small agencies is still important in Baltimore.
By using this short form, your coverage information is transmitted to local insurance agents who can give free rate quotes for your insurance coverage. There is no reason to search for any insurance agencies since price quotes are sent to the email address you provide. If you have a need to compare rates from one company in particular, just search and find their rate quote page and submit a quote form there.
Is an exclusive or independent auto insurance agent right for you?
If you are wanting to find a local agent, it can be helpful to understand the types of agencies and how they can quote your rates. Insurance agencies in Baltimore are classified as either exclusive agents or independent agents. Both types of agents can sell insurance policies, but it’s worth learning the difference between them because it may have an impact on your selection of an agent.
Independent Agents (or Brokers)
Agents in the independent channel are not locked into one company so as a result can place your coverage through many companies and find the cheapest rate. If they find a lower price, an independent agent can move your coverage which makes it simple for you.
If you need cheaper insurance rates, it’s a good idea to get some free quotes from a few independent agents for the best price selection. Most also write with smaller regional carriers that can offer cheaper rates than bigger companies.
Listed below is a short list of independent agencies in Baltimore that may be able to give you pricing information.
- Austen’s Insurance Inc
3407 Eastern Blvd – Baltimore, MD 21220 – (410) 686-4700 – View Map - Hill Point Insurance LLC
1400 S Charles St – Baltimore, MD 21230 – (410) 779-9272 – View Map - Lambert Insurance Inc
1826 Woodlawn Dr # 6 – Baltimore, MD 21207 – (410) 265-7850 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel write business for a single company and some examples include Farmers Insurance and State Farm. Exclusive agencies are unable to give you multiple price quotes so always compare other rates. Exclusive agents are very knowledgeable on what they offer which helps offset the inability to provide other markets. Some consumers prefer to use the same agent mostly because of the prominence of the brand and the convenience of having all coverages with one company.
The following are Baltimore exclusive insurance agents that can give you price quotes.
- Joe Lawton – State Farm Insurance Agent
9008 Harford Rd – Baltimore, MD 21234 – (410) 665-0243 – View Map - Anthony Walker Sr. – State Farm Insurance Agent
8641 Loch Raven Blvd #2d – Baltimore, MD 21239 – (410) 663-8888 – View Map - State Farm: Scott Garvey
3818 Roland Ave – Baltimore, MD 21211 – (410) 889-5840 – View Map
Choosing the best insurance agent requires you to look at more than just a cheap price. The following questions are important to ask.
- Is the agency active in community causes in Baltimore?
- Is the coverage adequate for your vehicle?
- If your car is totaled, how to they determine the replacement cost?
- Will the company cover a rental car if your car is getting fixed?
- Do they specialize in personal lines coverage in Baltimore?
- Do they get extra compensation for selling add-on coverages?
Tailor your auto insurance coverage to you
When quoting and choosing your policy for your vehicles, there really isn’t a “best” method to buy coverage. Your needs are not the same as everyone else’s.
For example, these questions might point out whether your personal situation might need an agent’s assistance.
- Does my policy cover my teen driver if they drive my company car?
- Is my business laptop covered if it gets stolen from my vehicle?
- Do I have coverage when using my vehicle for my home business?
- Exactly who is provided coverage by my policy?
- I have good health insurance, so how much medical payments coverage do I need?
- What is an adequate liability insurance limit?
- Does my insurance cover damage caused when ticketed for reckless driving?
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
Why Your Insurance Costs might be higher
Many factors are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but others are less obvious like your vehicle usage or your commute time.
The following are some of the major factors used by your company to calculate your rates.
Gender and insurance – Over time, data shows that women are safer drivers than men. Now that doesn’t mean females are better drivers. Both sexes cause at-fault accidents at about the same rate, but guys cause more damage and cost insurance companies more money. Not only that, but men also get more serious tickets such as reckless driving.
The chart below illustrates the difference between BMW X6 insurance costs for male and female drivers. The premiums are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Extra coverages that aren’t used – There are many extra coverages that can add up if you aren’t careful. Insurance for vanishing deductibles, better glass coverage, and membership fees could be just wasting money. You may think they are a good idea when buying your policy, but if you don’t need them consider taking them off your policy.
Put fewer miles on your vehicle – The more you drive your BMW annually the higher the price you pay to insure it. A lot of companies calculate prices based on how the vehicle is used. Cars used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. Make sure your car insurance coverage correctly shows the proper vehicle usage. Having the wrong rating on your X6 may be costing you.
Low coverage deductibles can be expensive – Physical damage insurance, also called comprehensive and collision insurance, covers your vehicle from damage. Examples of covered claims are a windshield shattered by a rock, hitting a deer, and having your car stolen. Physical damage deductibles define how much you are required to spend out-of-pocket before your car insurance pays a claim. The more of the claim the insured has to pay upfront, the less money you will pay for car insurance.
Never let your policy lapse – Driving your car without having proper coverage can get your license suspended and as a result your rates will increase for letting your insurance expire. Not only will rates go up, failure to provide proof of insurance may result in a hefty fine and possibly a revoked license. You will then be forced to file a SR-22 with the Maryland motor vehicle department to get your license reinstated.
Why do I need car insurance?
Even though it’s not necessarily cheap to insure a BMW in Baltimore, paying for car insurance is required in Maryland but also provides important benefits.
- Just about all states have mandatory insurance requirements which means state laws require a specific level of liability coverage if you want to drive legally. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you took out a loan on your BMW, more than likely the lender will require you to buy insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your BMW at a much higher premium rate and force you to pay a much higher amount than you were paying before.
- Car insurance protects both your assets and your BMW. Insurance will also pay for many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in America is overpaying over $810 a year so you should quote your policy with other companies every year to make sure the price is not too high.
Be persistent and save
We just showed you some good ideas how to reduce BMW X6 insurance car insurance rates online in Baltimore. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may even discover the lowest car insurance rates come from an unexpected company.
A few companies do not offer rates over the internet and usually these smaller providers only sell coverage through local independent agents. Cheap BMW X6 insurance in Baltimore is possible online and from local insurance agents, and you should compare rates from both so you have a total pricing picture.
Consumers who switch companies do it for a number of reasons such as unfair underwriting practices, high prices, delays in responding to claim requests and even high rates after DUI convictions. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.
Steps to finding cheaper quotes for BMW X6 insurance in Baltimore
Truthfully, the best way to find affordable quotes for car insurance rates is to compare prices once a year from insurance carriers that insure vehicles in Baltimore. Drivers can shop around by following these guidelines.
- Step 1: Gain an understanding of auto insurance and the things you can control to prevent rate increases. Many policy risk factors that are responsible for high rates like speeding tickets, accidents and poor credit history can be amended by making lifestyle changes or driving safer.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agents can quote rates for a wide range of companies.
- Step 3: Compare the quotes to your existing coverage and determine if cheaper X6 coverage is available in Baltimore. If you can save money and decide to switch, make sure there is no coverage gap between policies.
- Step 4: Provide notification to your current agent or company of your intent to cancel your current coverage. Submit a down payment along with a signed application for your new coverage. Once the paperwork is finalized, keep the new certificate verifying coverage along with the vehicle’s registration papers.
A good piece of advice is to try to compare the same amount of coverage on each quote request and and to get price quotes from every company you can. This helps ensure an apples-to-apples comparison and a thorough price selection.
Much more information about insurance in Maryland is available on the following sites:
- Booster Seat Ratings (iihs.org)
- What Auto Insurance is Cheapest for a Chevrolet Equinox in Baltimore? (FAQ)
- Who Has the Cheapest Baltimore Car Insurance for a Toyota RAV4? (FAQ)
- Who Has Affordable Baltimore Auto Insurance Quotes with Multiple Speeding Tickets? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Avoiding Deer Collisions (Insurance Information Institute)