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BMW BMW 3-Series Insurance Rates

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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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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.

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No one enjoys paying for insurance coverage, especially when they are paying too much. Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every provider to find the best price available.

It’s important to check insurance coverage prices on a regular basis because insurance rates tend to go up over time. Even if you think you had the best rates on 3 Series insurance two years ago the chances are good that you can find a lower rate today. So ignore everything you know about insurance coverage because you’re going to get a crash course in one of the easiest ways to save on insurance coverage.

If you have a policy now or are looking for a new policy, you can follow these tips to find the best rates while maximizing coverage. Finding the best rates is quite easy. Drivers just need to learn the proper methods to compare price quotes on the web.

Compare Quotes for Insurance

Performing a rate comparison can be exhausting if you don’t utilize the best way to get rate quotes. You can spend your afternoon talking about coverages with insurance companies in your area, or you could save time and use the internet to get the quickest rates.

Many insurance companies belong to a marketplace where insurance shoppers submit one quote, and each company then gives them pricing for coverage. This prevents consumers from doing form submissions to every company.

To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of system is buyers cannot specifically choose which companies you will receive quotes from. If you wish to select specific insurance companies for rate comparison, we have a listing of insurance companies in your area. Click to view list.

Whichever method you choose, compare exactly the same information for every company. If you use different limits and deductibles on each one you will not be able to truly determine the lowest rate.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine whether or not you may require specific advice.

  • When can my company non-renew my policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is the ISO rating for a 1998 BMW 3 Series?
  • How can I get my company to pay me more for my totalled car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • If my 1998 BMW 3 Series is totaled, can I afford another vehicle?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Free Auto Insurance Comparison

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

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Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average auto insurance policy.

Liability car insurance – Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as medical services, funeral expenses and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Collision coverages – This coverage pays for damage to your 3 Series resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane, rock chips in glass and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for doctor visits, prosthetic devices and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

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