What To Expect When Purchasing Auto Insurance Part 4

Posted in Used BMW

Are You Covered?Otto’s BMW would love to talk to you a little more about the different types of car insurance and all other things that you should know about when it comes to different car insurance policies. Once you find the perfect used BMW car near Exton at Otto’s BMW you can find the perfect insurance coverage with help from us.

One of the other coverage areas is for uninsured or underinsured situations. This will cover any injuries done to you or even some of the damages that could have happened to your vehicle. This will cover any problems only if the person who caused the accident either has no insurance or is underinsured to cover the cost of damages done to your vehicle. This could come in very handy because statistics have shown that more than about 10%, which is three of ten drivers, of vehicle owners do not have any insurance. Even for those drivers who do have coverage it is still possible that they will not have enough to cover the injuries or damages that could take place in case of an accident. This type of coverage could also help cover you in case of an accident where you, as a pedestrian, are hit by a vehicle.

This type of insurance coverage is one that would seem useless, but in the instance of one of these types of unfortunate situations, it would come in extremely handy. It also means that you would not be left to take care of the damages all on your own. This is especially important to have when you are driving around a nice vehicle like new or used BMW cars or SUVs. These great vehicles need an equally great coverage plan that will protect them in case of accidents such as these.

 

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What To Expect When Purchasing Auto Insurance Part 3

Posted in Used BMW

car insurance policyProperty Damage Liability Coverage is the second we will look at. This will cover the costs of damage that have been done to any property by your vehicle. Usually this means that it will cover the damage to the other vehicle in the accident, but it could also be used for damage done to things like buildings, lampposts, fences, mailbox, and so on. The minimum coverage is usually at $5,000 and is usually required by most states.

The next type of insurance coverage you can purchase is collision. This means that if you are in a car accident and if it happens to be your fault then this coverage will pay for damages done to your vehicle and to any of the other objects damaged in this accident.

There is a type of coverage that will pay for things done in an accident that does not involve being in an accident with another vehicle. This type is called comprehensive. This will cover things like damages done during a storm if something falls on your car like a tree limb or if your vehicle is broken into by someone stealing things. This could even cover paying for items that were in your car that had been stolen out of it in certain cases.

You can get a coverage of insurance that will pay for medical payments. In case of an accident where there are hospital bills or even funerals it can cover you or any passengers in your vehicle at the time of the accident regardless of whose fault it was. If you are hit while you are a pedestrian it could cover that as well.

Find the perfect insurance coverage for your certified used BMW in West Chester, PA. Otto’s BMW can help you to find out everything you need to know about all of the different types of insurance coverage for your vehicle.

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What To Expect When Purchasing Auto Insurance Part 2

Posted in BMW Cars

Car Insurance PolicyWhen you purchase liability coverage for your car that usually means you have a very small amount of money to cover the needs for others in case of an accident that you cause. The standard for that is usually $5,000 for damage done to the other vehicle involved, $15,000 for someone who was involved in the accident with you, and the highest you will get is $30,000 for all people involved in the accident. Which is considered to not be a whole lot of money.

Most people would actually say that you should try to get at least a little more than just the minimum coverage required. This is mostly because if you only have the minimum required you could be hurting yourself in the long run. If your car is totaled then you won’t have any money coming from that for a new vehicle . Think about it this way, if you get into an accident with someone who has an extremely nice BMW that is brand new and you only have liability that will cover $5,000 of damage, do you think that $5,00o will cover all of the damages to that vehicle? The answer is probably not.

Most auto insurance companies have six different coverage plans for you to choose from. Let’s take a look at these different plans and what all they have to offer.

The first one we will look at is Bodily Injury Liability coverage. This plan will help pay for medical expenses for a person who has been injured in an accident that you have caused. It is usually required for you to have this in most states and it will cover up at the very least $15,000 with a maximum of $30,000 for those injured.

We have a lot to cover still with this information so don’t leave us yet! Until next time you can come check out some of the pre owned BMW Cars in Pennsylvania at Otto’s BMW.

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What To Expect When Purchasing Auto Insurance Part 1

Posted in BMW Cars

Car IsuranceOtto’s BMW is all about making things work smoothly for all of their customers. That is why we want to help you learn everything there is to know about auto insurance. Once you learn a little bit more about auto insurance it will take away most of the frustration and stress that comes a long with finding the perfect company and the perfect policy.

There are many different ways to go about purchasing your cars insurance, but you will want to begin your journey by doing research first. You can begin this on the internet or by collecting information packages from insurance companies that you are trying to decide between. Because having auto insurance is not an option, it is important to understand why we need it and just exactly what kind of coverage we have from our companies. If you make a quick decision and just purchase the first insurance plan that comes along you could really be hurting yourself in the future.

So just exactly how much should you be paying for your car insurance? Well that all depends on what area you live in, what kind of car you are driving, and how much you want covered for vehicle. In most states you will notice that they only require you to have little coverage which is called liability coverage. This plan is set up in case you get into an accident and it will pay for only what damage your car did to the other persons car. It will not cover anything that has happened to your car however. Usually you will want this for an older car instead of a newer car.

Continue reading in the next article of this series to learn more about liability coverage for your BMW Cars from dealer near Kennet Square.

 

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CPO 2014 BMW 5 Series 528i xDrive Sedan

Posted in BMW Dealer

BMW 5 Series displayAt Otto’s BMW they have a great Certified Pre Owned BMW 5 Series available. This vehicle is ready for you to come and test drive at certified BMW dealer near Glen Mills.

The CPO BMW 5 Series 528i Sedan comes in an exterior color of Black Sapphire and the interior of the car is Beige Leather. This vehicle has been driven a total of 4,786 miles. It comes standard with an Intercooled Turbo I-4 2.0 liter engine, an eight speed automatic transmission, and all wheel drive. This sedan as xDrive that is available for every all wheel drive vehicles at BMW.  The Environmental Protection Agency gave this Sedan an estimated fuel economy of 22 miles per gallon in the city and 33 miles per gallon on the highway. Otto’s BMW has an asking price of $54,762 for this BMW 5 Series.

Some of the exterior features of this vehicle includes: automatic projector beam, cornering lights, LED brake lights, P225/55R17 all season run flat tires, fixed rear window, rear window defroster, fog lamps, perimeter approach lights, tinted glass, sunroof, speed sensitive rain detecting wipers, heated wiper jets, rear cargo access, and side windows trim. The interior features of this car include: real time traffic display, FOB controls, proximity key for ignition, air filtration, garage door transmitter, graphic equalizer, window grid antenna, BMW online selective service internet access, tracker system, wireless streaming, analog display, bluetooth wireless phone connectivity, outside temp gauge, rear upholders, systems monitor, four 12 volt DC power outlets, integrated navigation system with voice activation, perimeter alarm, interior trim, valet function, remote keyless entry, rear HVAC with separate controls, engine immobilizer, trip computer, cruise control, interior lock disable, and audio theft deterrent. It also has some great safety features included in this vehicle. You can check those out for yourself at Otto’s BMW dealer.

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Shop For Your Next BMW At Otto’s BMW

Posted in BMW Dealer

Bmw LogoWhen you shop with Otto’s BMW you will be getting to shop at a top of the line car dealership. Otto’s BMW has incredible customer service ratings. This is because they take the time to help each individual person without trying to rush them. The sales associates at Otto’s BMW really take the time to make sure that you understand everything about the potential cars that you are checking out.

At Otto’s BMW you will find new, used, and certified pre owned BMW cars and SUVs. They certified pre owned program has some great BMW vehicles that are under 50,000 miles and they have to be less than three years old. When you purchase with Otto’s BMW you are purchasing with absolute certainty that you are getting a great vehicle.

Christine From Glen Mills, Pa says, “Overall a great experience. Wonderful dealership.”  A customer from Wilmington, DE said this about their experience, “Best buying experience …!! Scott was more than great…!!” One customer from West Chester, PA is a reoccurring customer that says, “Always a pleasure to do business with Ottos! Justice has made my last two car buying experiences efficient and effective with no pressure and straight forward dealing. We always recommend the dealership and appreciate the excellent customer service.” These are just a few of the reviews found at Otto’s BMW website. You can check out more of these reviews for yourself.

Now that you know how great Otto’s BMW is and how much their customers love them, you should come on down and review Otto’s BMW for yourself. Call right now and speak to a sales associate about setting up an appointment for you to look at some of the greatest BMW vehicles available in Pennsylvania. Head on over to BMW dealer of cars and SUV near Downingtown.

 

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Keep Your Teen Driver Safe Part 10

Posted in Used BMW

Teenage driverWe have finally made it to the finally segment of this series of tips for your giving you a little piece of mind when it comes to your teen driver. We know that if you follow even just a few of these tips we know it will drastically help ease your peace of mind and they will help to educate your teenager.

Another rule you want to stick with you is keeping your teen off of highways until you have driven with them multiple times. They need tons of practice in order to nail down the skill of driving on the highway and during rush hour traffic. Your teen should refrain from driving in bad weather so no heavy rain storms, ice storms, hail, or snowy weather should be driven in. They should feel absolutely comfortable behind the wheel in great weather before they can drive in moderately bad weather. Driving in this kind of weather takes a lot of practice so when weather gets nasty maybe try taking them for a spin around the block. Setting a curfew would be good for teens as well because this will prevent them from driving while they are tired.

Otto’s BMW is happy that they could lay out all of these rules for you because the bottom one is that we want all of our customers to be safe. So to keep your teen driver even safer you should purchase a used BMW car near Chadds Ford at Otto’s BMW. Head on in to Otto’s BMW right now or call to speak to a sales associate and set up a test drive for one of their used BMW vehicles.

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Keep Your Teen Driver Safe Part 9

Posted in Used BMW

Back To Basics Learning from your mistakes is a huge part of driving, but it is also extremely important that they learn quickly. The good thing about driving is that it doesn’t change. Once you learn the basics of your vehicle and how to rides you really won’t have to relearn anything. There are a few other things that we can talk about that can help you teach your teenager how to drive.

One very interesting program that is out there is the Graduated Licensing Program. This is a state mandated program for beginning drivers, but it is only required in certain states. Even if it isn’t available in your state you can use this program for your teen driver. You don’t need a state to give you rules for your teen driver to fall, you can do that all on your own. This program includes them having a certain amount of hours driven while under the supervision of a parent or guardian. They limit the amount of passengers allowed in the car for a set amount of time usually about 6 months before you can have any extra passengers. Another rule is that you limit the distance that your teen driver can drive away from the home. Usually starting with just driving around town is a good place to start or maybe just up to 15 miles away from the home. They can drive to school, to work, to run errands, or to their friends home these are good places to stop. This is in case of an emergency, you or your spouse would be able to get to them quickly.

We aren’t quite finished yet just wait for the rest of this article given to you by used BMW dealer near Downingtown to give you the rest of their tips.

 

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Keep Your Teen Driver Safe Part 8

Posted in BMW Cars

Teenage Driver Ahead SignOne tip that we have seen across the board that helps teenagers to adapt to the road is by not allowing them to have their own vehicle right away. When a teenager has to share a family vehicle it insures that they have to get permission from their parents to leave. This makes the teenager more aware and helps them to remember that it is not their vehicle to drive around and do whatever with. Statistics have shown that when a teenager has to share a vehicle it reduces accidents by 53% says the Children’s Hospital.

Of course major rules that should be enforced are absolutely always wear your seat belt and never speed. These two rules are fairly basic, but it is still important to lay those out before hand. The next rule we have gives a little bit more wiggle room for you to decide things. Your teen driver should wait anywhere from 6 months to a full year before they can have friends in the vehicle with them. Having siblings in the car is not so bad, but when you have friends in the car it will be easier for them to be distracted and could potentially cause an accident. The chances of your teen taking their eyes off the road and talking or singing are increased when passengers get into the car. This can be very dangerous for new drivers because they are already multi tasking enough behind the wheel and they do not need to add anything else to that mix.

Check out some of the safe family vehicle available at Otto’s BMW with BMW Cars and SUV near Chadds Ford. They will have a great variety of vehicles with awesome safety features to keep you and your family as safe as possible.

 

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Keep Your Teen Driver Safe Part 7

Posted in BMW Cars

Rules and RegulationsWe are growing close to the end of our little list of guidelines on how to teach and talk to your teen driver about safe driving. Don’t be afraid to adapt these rules to fit your personality better and whatever will help you to get the message across. Remember that these are just a rough guideline of ways that can help you with your teen.

Whenever setting rules for your teen, remember that it is important to explain why these rules are set in place. If they understand these clearly it may help them to want to adhere to them. If rules are placed without explanation then most teens will just go against them because they have no true reasoning to back the rules up. Also, if you are just setting rules and guidelines for them as a beginning driver then you can let them know that as they develop their skills behind the wheel then you will give them more privileges and even possibly remove the rules and restrictions all together.

Setting goals and giving rewards can be a way to encourage your teen driver to keep up the good work. If they make a certain amount of months without and speeding tickets and such maybe give them a free tank of gas. Anything like that will greatly encourage a teenager to follow the rules behind the wheel.

Continue on with this series from Otto’s dealer of Certified BMW Cars near Media for more helpful tips and tricks. The bottom line is that safety is acquired for your teen as best as possible because ultimately we just want you to stay safe on the roads out there.

 

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Ottos BMW • 1275 Wilmington Pike • West Chester • PA • 19382

Phone: (610) 399-6800 • Service: (610) 399-4178