When it comes to car insurance for your BMW, choosing a reputable and credible insurance plan that offers adequate coverage for your needs is one of the best things you can do to protect your car investment. Most states in the US require drivers to own some type of auto insurance with different levels of coverage required depending on the state law. Even the states that do not officially require auto insurance still holds the driver financially responsible if he/she causes an accident, so being adequately insured is important. What is equally important is choosing an insurance plan that provides adequate coverage while being affordable, because insurance cost is a large part of car ownership expense. Here we have a few tips to help you save money on BMW insurance cost.