Lower Your 1999 BMW 3 Series Car Insurance Quotes

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jan 13, 2020

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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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Perplexed by the wide range of insurance options? Many other drivers are as well. People have so many companies to choose from that it can quickly become a real hassle to find better rates.

Consumers need to shop coverage around periodically since rates change frequently. Just because you found the lowest price for 3 Series insurance six months ago you will most likely find a better rate today. Block out anything you think you know about insurance because we’re going to demonstrate the things you must know in order to find the best coverage while lowering your premiums.

Buying car insurance is not rocket science. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. But consumers must learn the methods companies use to market insurance on the web.

Comprehensive Auto Insurance Comparison Quotes

There are a variety of methods to shop for 1999 BMW 3 Series auto insurance, but there is one way that is less labor-intensive and much quicker. You could spend your day talking about coverages with agents in your area, or you can stay home and use online quotes to get the quickest rates.

Many companies are enrolled in a marketplace that enables customers to complete one form, and each participating company can provide price quotes based on that data. This prevents consumers from doing repetitive form submissions to each company.

To enter your information into the quoting system, click here to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose the providers you want pricing from. So if you want to select specific providers to compare rates, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use the exact same deductibles and coverage limits for each comparison quote. If you have differing limits it will be next to impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages may cause a big price difference. And when comparison shopping, getting more free quotes helps you find a lower rate.

Don’t miss these discounts

Companies offering auto insurance don’t always publicize every discount in an easy-to-find place, so we researched both the well known as well as the least known discounts you could be receiving.

  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Driver Safety – Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Clubs and Organizations – Being a member of certain professional organizations may earn a discount on insurance for 3 Series insurance.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Bundle and Save – When you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Paperwork-free – A few companies may give you up to $50 simply for signing digitally online.

Consumers should know that many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

Free Auto Insurance Comparison

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To see a list of companies offering insurance discounts, click here.

BMW 3 Series insurance rates have many determining factors

It’s important that you understand the different types of things that go into determining the rates you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

Listed below are some of the factors companies use to determine rates.

  • Extra coverages can waste money – There are a lot of additional coverages that you can buy on your auto insurance policy. Insurance for roadside assistance, towing coverage and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • More people means more accidents – Being located in less populated areas is a positive aspect when it comes to auto insurance. City drivers tend to have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Don’t skimp on liability – The liability section of your policy provides coverage if a jury decides you are liable for damages from an accident. Liability provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • With age comes lower rates – Young drivers tend to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, file fewer claims and tend to be better behind the wheel.
  • Never allow your policy to lapse – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your insurance lapse. And not only will insurance be more expensive, getting caught without coverage will get you a revoked license or a big fine.
  • Car features impact rates – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.

When might I need help?

When it comes to choosing coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help you determine whether or not you may require specific advice.

  • What are the financial responsibility laws in my state?
  • Is business equipment covered while in my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can my teen drive my company car?
  • Am I covered when driving someone else’s vehicle?
  • At what point should I drop full coverage?
  • I have health insurance so do I need medical payments coverage?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision coverages – Collision insurance will pay to fix damage to your 3 Series from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, crashing into a ditch, hitting a mailbox, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like dental work, EMT expenses, chiropractic care, hospital visits and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism, fire damage and theft. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverages – This can cover damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for 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 commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as funeral expenses, medical services, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying higher limits if possible.

Be a penny pincher

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There have been many situations where an insured cut physical damage coverage only to discover later that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the best price.

You just learned a lot of information how to save on 1999 BMW 3 Series insurance. The key thing to remember is the more you quote, the better your comparison will be. You may even discover the best prices are with the least-expected company.

Drivers switch companies for a variety of reasons including policy cancellation, unfair underwriting practices, extreme rates for teen drivers or lack of trust in their agent. No matter why you want to switch, switching companies is less work than it seems.

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