Select your vehicle and we'll tell you how your vehicle may affect your rates
Overall, the 2016 BMW 435 is an excellent vehicle for your insurance rates.
Let’s take a closer look at how it affects the different types of auto insurance.
For the physical damage component of your liability insurance the 2016 BMW 435 does well compared to other models. This means that the cost of insurance you require for costs for things like damaging another drivers vehicle, should be a little lower than they should otherwise be.
The other part of your liability coverage is for bodily injury — the medical expenses of other people who might be injured in an accident you’re responsible for. The type of vehicle you drive can also impact your cost here. Overall, the 2016 BMW 435 is a good car for helping keep the premiums for this past of your car insurance down.
If you’re adding collision coverage to your policy, to take care of damage to your car, the good news is that if you own a 2016 BMW 435, your rate should be lower relative to many other vehicles, all things being equal.
Comprehensive coverage takes care of the everything else that can happen to your vehicle, so things like theft, vandalism, or storm damage. Owning a 2016 BMW 435 should mean you pay a lower rate than you otherwise would.
If you live in a no-fault state, and have Personal Injury Protection (PIP) on your policy owning a 2016 BMW 435 will be good for your premiums. Compared to other vehicles the overall impact on your cost to insure will be lower.
If instead, you don’t live in a no-fault state, and have Medical Payments coverage, the impact on your premiums will be positive.
There are a lot of other things that influence what you pay for car insurance, so whatever car you drive, check out these tips how to save on car insurance
Simply select your vehicle's year, make, and model.
We'll let you know how your vehicle affects your rate.
Use the Cover app to shop for the cheapest insurance.
What do these numbers mean?
When you select your vehicle in the car insurance calculator, you’ll see the overall insurance impact for your vehicle as a score out of five.
This meant to give you an idea of what kind of impact your vehicle could have on your premiums relative to other vehicles you could be driving. This is a score relative to other vehicles, so if your car gets a top rating, it’s in the top 20 percent of cars.
You’ll then see this rating broken down by six different types of insurance, Property Damage Liability, Bodily Injury Liability, Collision, Comprehensive, Medical Payments, and Personal Injury Protection.
You vehicle can affect all of these types of insurance in different ways, from the inclusion of certain safety features, to the relative cost of the car.
How does the car insurance calculator work?
Cover analysed the rating factors for every vehicle in the last eight years, for the key types of insurance: Liability, Collision, Comprehensive, PIP and Medpay.
Based on these rating factors we grouped cars by these different types of insurance to show you whether your car would help lower your premiums for that type of insurance compared to other cars out there.
Will this be reflected in the rate that I pay?
The only car insurance calculator that matters is the quotes that you get from insurance companies — and there are a lot more things that will determine your rate than your car.
Your age, zip code, driving history, claim history, will all play a part. Even things like your credit score or marital status might have an impact.
Whatever car your drive, these things will also raise or lower your rate.