If you drive a BMW car or looking to buy one, get BMW car insurance in Los Angeles, CA today. BMW boasts vehicles that offer reliability, luxury, safety, and performance. BMW also has the widest range of models, which sometimes makes the selection a daunting task. When choosing a model, an understanding of your insurance options will help you protect your BMW and maximize its use.
If you are thinking of BMW car insurance near me, our agents at EZ Center Insurance Services will shop for the right coverage options for you at the best price.
Generally, coverage is determined by what is applicable as mandated options in the different states. However, optional coverages can be added according to your needs.
Bodily Injury Liability
This mandated insurance coverage includes medical expenses and lost wages of a third party injured or killed in an accident caused by your BMW. However, it does not cover your personal injuries and is required in all states except Florida and New Hampshire.
Property Damage Liability
Property damage liability is a mandated option in most states. It pays for the repair and replacement of vehicles, structures, and the house of another person damaged by your BMW. However, it does not cover the cost of fixing your damaged car.
Medical Payments/Personal Injury Protection (PIP)
Although medical payments are optional in all states, in “no-fault” states, PIP covers the medical expenses of your injury and that of a passenger in your BMW.
Uninsured and Underinsured Motorist Coverage
An uninsured motorist coverage takes care of your personal injuries and damage to your BMW in an accident with an uninsured car or one having inadequate insurance. This coverage could be mandated or optional, depending on the states.
This is a coverage that is applicable if you have an outstanding loan or lease on your BMW, which makes you bear a specific part of the coverage. Your insurer will repair or replace your vehicle if you have an accident.
Though optional, this insurance coverage is much purchased in locations prone to natural disasters. If your BMW is stolen or damaged by a hailstorm or other natural disasters, this insurance can cover the loss.
Safety Ranking For BMW
BMW has safety features that keep drivers alert, warn of approaching danger, and reduce accidents’ frequency and severity. These features include road sign recognition, emergency brake assist, and lane-change warning. The National Highway Traffic Safety Administration (NHTSA) rates BMW’s safety with an overall five-star.
What Affects Your Insurance Premium?
BMW’s with higher safety cost less to insure. However, your BMW’s value, its annual mileage, your driving record, and your location could impact your insurance premium.
Average Costs Of BMW Insurance
An auto insurance coverage for your BMW costs an average of about $ 1,844 annually and about $153.67. monthly. There are discount options that could lower the premium. However, teen drivers and high-risk drivers pay a higher premium.
Reach Out to Us
Talk to our agents, and they will assist you with the right insurance coverage for your BMW today.
Areas We Serve in Los Angeles, CA: Bel Air, Beverly Hills, Brentwood, Century City, Culver City, Hollywood, Koreatown, Little Tokyo, Los Feliz, Malibu Palms, Mar Vista, Marina Del Rey, Mid Wilshire, North Hollywood, Pacific Palisades, Playa Del Rey, Santa Monica, Venice, West Hollywood, West Los Angeles, Westwood.