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BMW BMW 3-Series Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jan 13, 2020

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I can’t think of a single person who likes paying for auto insurance, especially knowing they are paying too much.

Multiple auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute cheapest price

Smart consumers take time to check auto insurance prices on a regular basis since rates fluctuate regularly. Despite the fact that you may have had the best deal on 3 Series coverage two years ago you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance online, so with this article, you’re going to get some great ways to put money back in your pocket.

Auto Insurance Quote Comparison

There are several ways to compare BMW 3 Series auto insurance quotes, but there is one way that is less time-consuming than others. You could spend your day talking to insurance companies in your area, or you can utilize online quotes to get the quickest rates.

Most of the best insurance companies participate in a marketplace where prospective buyers submit their information once, and each participating company then returns a price quote based on that information. This system prevents you from having to do quote requests for every auto insurance company. To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to doing it this way is buyers cannot specifically choose the insurers to get pricing from. So if you prefer to pick from a list of companies to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

However you get your quotes, make absolute certain that you use identical information on every quote you get. If you have different limits and deductibles on each one it’s impossible to make a fair comparison for your BMW 3 Series. Quoting even small variations in limits can result in a big premium difference. And when comparison shopping, having more price comparisons will improve the odds of getting the best price.

When should I talk to an agent?

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions can aid in determining if your situation will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Does car insurance cover theft of personal property?
  • Am I covered when driving a rental car?
  • Is business equipment covered while in my vehicle?
  • How do I insure my teen driver?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Coverages available on your insurance policy

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, damaging your car on a curb, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hitting a bird, a broken windshield, hitting a deer and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses such as pain medications, nursing services and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

This coverage can cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability insurance covers things like loss of income, emergency aid, medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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