How to Save on Fresno BMW Alpina B7 Insurance

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It's easy to assume that insurance companies don't want customers comparing rates. Drivers who shop around once a year are inclined to switch auto insurance companies because of the high probability of finding discount prices. Remarkably, a study showed that drivers who compared prices once a year saved an average of $865 a year as compared to drivers who never compared rates.

If finding the cheapest price for BMW Alpina B7 insurance in Fresno is why you're here, then understanding the best way to shop and compare cheaper coverage can make shopping around easier.

Discount BMW Alpina B7 insuranceIf you want to save the most money, the best way to get discount car insurance rates in Fresno is to start comparing rates regularly from insurance carriers in California. You can shop around by following these steps.

  1. It will benefit you to learn about how auto insurance works and the steps you can take to prevent high rates. Many rating factors that drive up the price like inattentive driving and a substandard credit score can be controlled by being financially responsible and driving safely. Later in this article we will cover additional tips to help reduce prices and find hidden discounts.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while independent agencies can provide price quotes from multiple sources.
  3. Compare the price quotes to your current policy and see if there is a cheaper rate. If you can save some money and change companies, make sure there is no lapse in coverage.
  4. Tell your current company of your intention to cancel the current policy and submit a completed policy application and payment to your new agent or company. As soon as you have the new policy, keep your new certificate verifying coverage in your vehicle.

The most important part of this process is to try to compare similar limits and deductibles on every price quote and and to get rate quotes from as many companies as you can. Doing this ensures a fair price comparison and a complete price analysis.

Locating the best rates in Fresno is actually quite easy if you know where to start. If you already have coverage, you will surely be able to buy cheaper insurance using these methods. Smart buyers just have to learn the tricks to compare price quotes instantly.

Finding a better price on insurance can be surprisingly simple. Just invest a little time to compare rates online from several insurance companies.

Comparing free quotes online is easy and it, takes the place of having to spend your day driving to insurance agencies in your area. Comparing online rate quotes eliminates the need for an insurance agent unless you're the type of person who wants the extra assistance that only an agent can give. If you prefer, some companies allow you to compare the best prices online and have a local agent actually service the policy.

The companies in the list below can provide free quotes in Fresno, CA. To locate cheap car insurance in CA, we recommend you compare several of them in order to find the lowest rates.

Save with these seven discounts

Buying auto insurance is not cheap, but there may be some discounts that you may not even know about. Some of these discounts will be visible when you get a quote, but a few must be asked for prior to getting the savings.Cheaper auto insurance with discounts

  • Good Student Discount - Maintaining excellent grades can save 20 to 25%. The discount lasts until age 25.
  • Safety Course Discount - Passing a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
  • Auto/Home Discount - If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
  • Discounts for Responsible Drivers - Insureds who avoid accidents can pay as much as 50% less compared to accident prone drivers.
  • Memberships - Being a member of a professional or civic organization could earn you a nice discount on your next renewal.
  • Student in College - Children who are attending college and won't have access to an insured vehicle may be able to be covered for less.
  • Accident-Free Discounts - Fresno drivers who stay claim-free can save substantially compared to accident-prone drivers.

Don't be surprised that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, nobody gets a free ride.

Larger auto insurance companies and a selection of discounts can be found below.

  • State Farm offers discounts for Drive Safe & Save, anti-theft, Steer Clear safe driver discount, student away at school, good student, and passive restraint.
  • Liberty Mutual offers premium reductions for new vehicle discount, newly married, new graduate, good student, teen driver discount, new move discount, and multi-policy.
  • American Family offers discounts including multi-vehicle, accident-free, air bags, bundled insurance, defensive driver, and Steer into Savings.
  • Progressive discounts include online quote discount, continuous coverage, multi-policy, good student, multi-vehicle, and online signing.
  • Farmers Insurance policyholders can earn discounts including good student, early shopping, homeowner, distant student, multi-car, and bundle discounts.
  • Auto-Owners Insurance has discounts for air bags, company car, anti-theft, multi-policy, mature driver, and group or association.
  • SAFECO may offer discounts for drive less, bundle discounts, multi-car, anti-theft, accident prevention training, and teen safe driver.

When comparing rates, check with every insurance company how you can save money. Savings might not apply in Fresno. For a list of companies who offer auto insurance discounts in Fresno, click this link.

Insurance is not optional but you don't have to overpay

Despite the high cost of buying insurance for a BMW Alpina B7 in Fresno, insurance serves a purpose in several ways.

First, the majority of states have mandatory insurance requirements which means you are required to carry a minimum amount of liability protection in order to drive the car. 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.

Second, if you have a lien on your BMW Alpina B7, more than likely the lender will force you to buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your BMW for a lot more money and require you to reimburse them a much higher amount than you were paying before.

Third, insurance protects both your vehicle and your assets. It will also pay for hospital and medical expenses that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If your BMW gets damaged, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of insuring your Alpina B7 are definitely more than the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is currently overpaying as much as $700 annually so smart consumers compare quotes every year to ensure rates are competitive.

Insurance agents near you

Some people prefer to buy from a licensed agent and we recommend doing that Good insurance agents can help determine the best coverages and help in the event of a claim. The biggest benefit of price shopping on the web is that you can find lower rates and still buy from a local agent.

Insurance agents in FresnoUpon completion of this quick form, the quote information is instantly submitted to agents in your area who will give you quotes for your coverage. There is no need to do any legwork because quoted prices will be sent immediately to your email address. If you want to get a price quote from a particular provider, you would need to find their quoting web page and complete a quote there.

Finding the right provider requires you to look at more than just a cheap quote. Any good agent in Fresno should know the answers to these questions.

  • How long has their agency been open in Fresno?
  • How much training do they have in personal risk management?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Does the agent have professional designations like CIC, CPCU or AIC?

Is an exclusive or independent car insurance agent right for you?

When researching a local agent, you must know there are a couple different types of agents and how they differ in how they can insure your vehicles. Insurance policy providers are categorized either independent or exclusive. Either one can sell affordable insurance policies, but it is important to understand the difference between them since it may influence the type of agent you choose.

Exclusive Insurance Agents

Agents that choose to be exclusive can usually just insure with one company and examples are State Farm, Allstate and AAA. Exclusive agents cannot provide other company's prices so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on their products and sales techniques which helps overcome the inability to quote other rates.

Shown below are Fresno exclusive agents that can give you price quote information.


4185 W Figarden Dr #101 - Fresno, CA 93722 - (559) 527-5530 - View Map

Marc Bomarito - State Farm Insurance Agent
9497 N Fort Washington Rd Ste 101 - Fresno, CA 93730 - (559) 224-8660 - View Map


2511 E Lamona Ave - Fresno, CA 93703 - (559) 494-0766 - View Map

View more agents

Independent Agents (or Brokers)

Independent agencies are not restricted to one company so they have the ability to put coverage with an assortment of companies and potentially find a lower price. If they quote lower rates, the business is moved internally and you don't have to do anything.

If you need lower rates, you absolutely need to contact at least one independent agent so that you can do a thorough price comparison.

Listed below are Fresno independent agencies who can help you get comparison quotes.


7676 N Palm Ave #106 - Fresno, CA 93711 - (559) 436-6655 - View Map


964 Pollasky Ave b - Clovis, CA 93612 - (559) 323-0333 - View Map


7543 N Ingram Ave #105 - Fresno, CA 93711 - (559) 244-6644 - View Map

View more agents

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average car insurance policy.

Comprehensive car insurance - Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, theft and fire damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Liability insurance - Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 15/30/5 that means you have $15,000 in coverage for each person's injuries, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical expenses, legal defense fees and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but you should consider buying more coverage.

The chart below demonstrates why low liability limits may not be high enough to cover claims.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like hospital visits, rehabilitation expenses, surgery and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage - This covers damage to your Alpina B7 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Alpina B7 in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers - This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle's occupants as well as damage to your BMW Alpina B7.

Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.