Cheapest 1997 BMW 3 Series Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Looking for the cheapest car insurance rates for your BMW 3 Series? Price shopping your car insurance is a challenge for consumers new to buying insurance online. Drivers have so many options that it can easily become a challenge to compare prices.

It’s smart to take a look at other company’s rates yearly since rates go up and down regularly. Despite the fact that you may have had the lowest rates on 3 Series coverage a year ago there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance on the web, but with this article, you’re going to get some proven techniques to slash your car insurance rates.

If you are paying for car insurance now, you will most likely be able to save some money using these techniques. Locating more affordable protection is quite easy. But vehicle owners benefit from understanding the way companies sell online.

The quickest method we recommend to compare insurance rates in your area takes advantage of the fact most of the larger companies actually pay money for the chance to compare rate quotes. To get started, all you need to do is provide information including if it has an alarm system, how much education you have, your credit rating estimate, and how many miles driven. The data is submitted instantly to many highly-rated insurers and you will receive price estimates almost instantly.

To compare rates now, click here and see if a lower rate is available.

When might I need the advice of an agent?

When buying the right insurance coverage, there is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • Am I getting all the discounts available?
  • Do I need motorclub coverage?
  • Am I covered if I drive in a foreign country?
  • How can I get my company to pay me more for my totalled car?
  • What can I do if my company denied a claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered if my car is in a flood?
  • Is pleasure use cheaper than using my 1997 BMW 3 Series to commute?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How does medical payments coverage work?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

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Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses such as dental work, EMT expenses, doctor visits, ambulance fees and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your BMW 3 Series.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision protection

This coverage covers damage to your 3 Series resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, hitting a mailbox, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t 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 limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims such as funeral expenses, pain and suffering and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a deer, damage from flooding and theft. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

Why should I compare car insurance rates for my BMW 3 Series?

It’s smart to compare car insurance rates for your BMW 3 Series because rates can fluctuate over time. Even if you had the lowest rates last year, there is a good chance you can find better rates now. By comparing rates, you can potentially save money on your car insurance.

How can I compare car insurance rates for my BMW 3 Series?

To compare car insurance rates for your BMW 3 Series, you can use an online quote tool. Simply enter your zip code and provide some information about your vehicle, such as whether it has an alarm system, your education level, credit rating estimate, and annual mileage. The tool will then generate price estimates from multiple insurance companies, allowing you to compare rates and find the cheapest option.

What are the different types of auto insurance coverages I should consider for my BMW 3 Series?

When it comes to auto insurance coverage for your BMW 3 Series, here are the key types to consider:

  • Liability coverage: This protects you if you cause injuries or property damage to others in an accident.
  • Collision coverage: This covers damage to your BMW 3 Series resulting from a collision with another vehicle or object.
  • Comprehensive coverage: This protects against damage to your vehicle from non-collision incidents such as theft, vandalism, or natural disasters.
  • Uninsured/underinsured motorist coverage: This provides protection if you are involved in an accident with a driver who has insufficient insurance coverage or no insurance at all.
  • Medical payments/personal injury protection (PIP): These coverages help pay for medical expenses for you and your passengers in case of an accident.

Do I need the advice of an agent when buying car insurance for my BMW 3 Series?

The need for an agent’s advice when buying car insurance depends on your personal situation. If you have specific questions about coverages or if you’re unsure about which options are best for you, it may be beneficial to consult with a licensed insurance agent. They can provide personalized guidance and help you make informed decisions based on your needs and budget.

How can I find companies with the cheapest auto insurance rates?

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