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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: Nov 16, 2021

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Searching for the cheapest insurance rates for your BMW 3 Series? Finding lower premiums on insurance is always challenging for people who are new to comparison shopping online. There are so many companies to choose from that it can easily become a challenge to locate the lowest price.

Buying car insurance is not rocket science. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. But vehicle owners must understand how insurance companies sell insurance online because it can help you find the best coverage.

The fastest way that we advise to compare rate quotes utilizes the fact most larger insurance companies allow for online access to quote your coverage. To start a quote, the only thing you need to do is provide information including if your license is active, if the car is leased, whether you drive to work or school, and how many miles driven. Your details gets transmitted to multiple top-rated companies and you receive quotes instantly.

To compare multiple company rates now, click here and enter your coverage details.

Discounts mean cheaper 2014 BMW 3 Series insurance rates

Companies don’t necessarily list every discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known discounts you could be receiving.

  • Fewer Miles Equal More Savings – Fewer annual miles on your BMW can qualify you for lower rates on the low mileage vehicles.
  • Sign Online – Certain companies give back up to $50 for buying a policy and signing up on their website.
  • Drivers Education – Have your child enroll in driver’s education in school.
  • No Accidents – Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10% on 3 Series coverage.
  • Homeowners Savings – Owning a home can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
  • Clubs and Organizations – Participating in a qualifying organization is a good way to get lower rates on auto insurance on 3 Series coverage.
  • Safety Course Discount – Taking a driver safety course could possibly earn you a 5% discount if you qualify.

Drivers should understand that most discounts do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

Insurance companies that possibly offer these discounts include:

  • State Farm
  • Progressive
  • Progressive
  • MetLife
  • Farm Bureau
  • GEICO
  • SAFECO

It’s a good idea to ask each company what discounts are available to you. Some discounts might not apply in every state.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

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These are some specific questions can aid in determining if you might need professional guidance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I waive the damage coverage when renting a car?
  • How much can I save by bundling my policies?
  • Can I drive in Mexico and have coverage?
  • Is my nanny covered when driving my vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my BMW 3 Series covered if I use it for business?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance coverages 101

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, rehabilitation expenses and EMT expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage will cover damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as repair costs for stationary objects, legal defense fees, funeral expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a deer, damage from getting keyed, damage from flooding, a broken windshield and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your BMW 3 Series.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Use our FREE quote tool to compare rates now!

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