Save Money on BMW Alpina B7 Insurance in Portland

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Discount BMW Alpina B7 insuranceIt's well known that auto insurance companies don't want you shop around. Drivers who shop around for better prices are highly likely to buy a new policy because the odds are good of finding coverage at a cheaper rate. A study discovered that people who make a habit of shopping around saved an average of $3,450 over four years compared to other drivers who didn't regularly shop around.

If finding the best rates on BMW Alpina B7 insurance is why you're reading this, then having an understanding of how to quote prices and compare coverage rates can save money and time.

The recommended way to find cheaper BMW Alpina B7 insurance is to compare quotes once a year from different companies who provide car insurance in Portland.

  1. Try to learn about how insurance companies determine prices and the modifications you can make to drop your rates. Many risk factors that are responsible for high rates like traffic tickets, fender benders, and a negative credit history can be rectified by improving your driving habits or financial responsibility. Read the full article for ideas to get cheaper rates and find overlooked discounts.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like GEICO or Allstate, while agents who are independent can quote prices from many different companies.
  3. Compare the price quotes to your existing coverage to see if you can save by switching companies. If you find a better price and switch companies, make sure there is no lapse in coverage.

The most important part of shopping around is that you'll want to make sure you compare the same deductibles and limits on every price quote and and to get price estimates from as many different insurance providers as possible. This enables an apples-to-apples comparison and a complete price analysis.

The goal of this article is to teach you how auto insurance companies operate and how you can save the most money. If you are already insured, you will definitely be able to find the best rates using this strategy. Drivers just have to understand the tricks to compare different rates over the internet.

Companies offering BMW Alpina B7 insurance in Portland

The companies shown below are our best choices to provide quotes in Portland, OR. To locate cheap car insurance in Portland, we recommend you visit several of them to get the most competitive price.

Informed Consumers Can Cut Their Insurance Rates

An important part of buying insurance is that you know some of the things that help calculate the level of your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make good choices that could result in better auto insurance rates.

The list below includes a partial list of the pieces used by insurance companies to determine your rates.

  • Only buy extra coverages you need - Insurance policies have a lot of extra bells and whistles that may not really be needed if you don't pay attention. Coverages for vanishing deductibles, accident forgiveness, and motor club memberships could be just wasting money. The coverages may be enticing at first, but your money might be better spent on other coverage so eliminate them to save money.
  • Excellent credit saves on auto insurance - An insured's credit score is likely to be a major factor in determining what you pay. If your credit rating can be improved, you could save money insuring your BMW Alpina B7 by repairing your credit. People with very high credit ratings tend to be more responsible and file fewer claims than those with lower credit ratings.
  • Responsible drivers pay better prices - Having a clean driving record can have a huge impact on auto insurance premiums. Having a single speeding ticket may cause rates to rise substantially. Good drivers get better rates as compared to those with violations. Drivers who have received license-revoking tickets such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 or proof of financial responsibility with their state's licensing department in order to legally drive a vehicle.
  • Single vs. married - Having a spouse helps lower the price compared to being single. Marriage means you're more financially stable and it's statistically proven that married drivers tend to have fewer serious accidents.

Get cheaper BMW Alpina B7 insurance rates in Portland

Car insurance is easily one of your largest bills, but you might find some hidden discounts to reduce the price significantly. Some discounts will apply at the time of purchase, but some discounts are required to be manually applied before you will receive the discount.Cheaper car insurance with discounts

  • Drive Less and Save - Low annual miles could earn substantially lower car insurance rates.
  • ABS Braking Discount - Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
  • Renewal Discounts - Select larger companies give a discount for renewing your policy before your current Alpina B7 insurance policy expires. Ten percent is about the average savings.
  • More Vehicles More Savings - Buying insurance for multiple cars with the same company qualifies for this discount.
  • Buy New and Save - Insuring a vehicle that is new can get you a discount because new vehicles have to meet stringent safety requirements.
  • Multi-policy Discount - If you can bundle your homeowners and auto insurance and place coverage with the same company you could earn a discount of 10% to 20% off each policy.
  • Resident Student - College-age children living away from Portland attending college without a vehicle on campus may qualify for this discount.

Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, you're out of luck. But all discounts will lower the amount you pay for coverage.

Car insurance companies that may include some of the above discounts are:

Before you buy a policy, ask all the companies which discounts you qualify for. Some discounts listed above may not be offered in every state. If you would like to choose from a list of providers that offer many of these discounts in Portland, follow this link.

Car insurance agents near you

A lot of people just prefer to buy from a licensed agent and that is not a bad decision Insurance agents are highly skilled in risk management and help in the event of a claim. One of the best bonuses of comparing car insurance online is that drivers can save money and get the best rates but still work with a licensed agent. Putting coverage with local agencies is important especially in Portland.

Insurance agents in PortlandUpon completion of this form (opens in new window), your information is emailed to participating agents in Portland who want to provide quotes for your business. It's much easier because you don't need to contact any agents because quoted prices will be sent immediately to your email address. If you want to get a price quote from a specific company, you would need to find their quoting web page and give them your coverage information.

If you need to find a reliable insurance agent, there are a couple of types of insurance agents and how they differ in how they can insure your vehicles. Car insurance policy providers are classified as either independent (non-exclusive) or exclusive. Both types of agents can properly insure your vehicles, but it's good to learn the differences since it may influence your selection of an agent.

Independent Car Insurance Agents

Agents of this type are not required to write business for one company so they can insure your vehicles through many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they can switch companies in-house without you having to go to a different agency.

If you need cheaper car insurance rates, we recommend you compare prices from a few independent agents to have the best price comparison.

Shown below is a short list of independent agencies in Portland that can possibly get you free price quotes.


510 SW 5th Ave #701 - Portland, OR 97204 - (503) 251-2255 - View Map


8309 SW 22nd Ave - Portland, OR 97219 - (503) 292-0075 - View Map


1314 NW Irving St - Portland, OR 97209 - (503) 287-8808 - View Map

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Exclusive Insurance Agencies

These agents write business for a single company and examples are Farmers Insurance, Allstate, or State Farm. These agents are unable to give you multiple price quotes so if the price isn't competitive there isn't much they can do. They are well trained on their company's products which helps them sell insurance even at higher premiums.

The following is a list of exclusive agencies in Portland willing to provide comparison quotes.


8606 SE 17th Ave - Portland, OR 97202 - (503) 238-1903 - View Map


101 SW Main St #915 - Portland, OR 97204 - (503) 222-6601 - View Map


14146 SE Stark St - Portland, OR 97233 - (503) 253-2110 - View Map

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Picking an insurance agency is decision based upon more than just a cheap price quote. Any agent in Portland should be willing to answer these questions.

  • If your car is totaled, how to they determine the replacement cost?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How long has their agency been in business in Portland?
  • How are they compensated?
  • Do you qualify for any additional discounts?
  • Can you get a list of referrals?

Persistent drivers can save

Discount BMW Alpina B7 insurance in Portland can be found from both online companies and from local insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who do not offer online rate quotes and most of the time these smaller companies only sell coverage through independent agencies.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret at claim time they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

More detailed insurance information is located by following these links: