Save on 1996 BMW 3 Series Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Aug 23, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Comparison shopping for insurance coverage is always challenging for consumers new to buying insurance online. You have so many choices that it can be a real hassle to compare prices.
Choosing the best insurance company for you is not rocket science. In a nutshell, everyone who is required by state law to have auto insurance will most likely be able to find lower rates. Nevertheless, drivers benefit from understanding the way companies sell insurance online because it can help you find the best coverage.
Cut your premium with discounts
Companies don’t always advertise every available discount in a way that’s easy to find, so here is a list some of the best known and the harder-to-find insurance coverage savings.
- Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
- Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
- Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.
- Multi-policy Discount – If you insure your home and vehicles with the same company you may earn 10% to 20% off each policy.
- New Vehicle Savings – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
- Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free for a certain period of time.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance coverage policy can get a discount on all vehicles.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
As a disclaimer on discounts, some credits don’t apply the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way.
For a list of insurers with discount insurance coverage rates, click this link.
What is the best insurance coverage?
When it comes to choosing the best insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.
Free Auto Insurance Comparison
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Here are some questions about coverages that may help highlight if you could use an agent’s help.
- Are rock chip repairs covered?
- Does my policy pay for OEM or aftermarket parts?
- What can I do if my company won’t pay a claim?
- What if I total my 1996 BMW 3 Series and owe more than it’s worth?
- Am I covered when pulling a rental trailer?
- What are the financial responsibility laws in my state?
- Will filing a claim cost me more?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.
Insurance coverage breakdown
Having a good grasp of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as EMT expenses, dental work and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Auto liability – This coverage can cover damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.
Liability can pay for things such as attorney fees, legal defense fees, repair costs for stationary objects, medical expenses and court costs. How much coverage you buy is your choice, but buy as large an amount as possible.
Collision coverage – Collision insurance pays for damage to your 3 Series from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things such as colliding with a tree, rolling your car, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.
Comprehensive coverages – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as hitting a bird, hitting a deer and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Uninsured and underinsured coverage – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your BMW 3 Series.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Save for a rainy day
As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.
You just read some good ideas how to get a better price on 1996 BMW 3 Series insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a smaller regional carrier.
Consumers change insurance companies for a number of reasons such as high prices, high rates after DUI convictions, delays in paying claims and policy non-renewal. No matter why you want to switch, switching insurance coverage companies is less work than it seems.
More detailed insurance coverage information can be found in these articles:
- Coverage Information (Progressive Insurance)
- Older Driver Statistics (Insurance Information Insitute)
- Insuring a Leased Car (Insurance Information Insitute)
- Vehicle Size and Weight FAQ (iihs.org)
- Distracted Driving Statistics (Insurance Information Insitute)
- Comprehensive Coverage (Liberty Mutual)
Frequently Asked Questions
- What is a named operator policy?
- Will GEICO insure a car not in my name?
- What is covered in a Jeep powertrain warranty?
- Are Jeeps more expensive to insure?
- Do trucks cost more to insure?
- How long does a DUI stay on your record?
- Does the Porsche Club of America offer car insurance?
- View All Coverage Questions
Popular Rate Quotes
- Ford Escape Insurance
- Honda CR-V Insurance
- Honda Accord Insurance
- Kia Optima Insurance
- Toyota Corolla Insurance
- Nissan Rogue Insurance
- Ford F-150 Insurance
- Chevrolet Silverado Insurance
- Chevrolet Impala Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area