Lower Your 2016 BMW 3 Series Gran Turismo Car Insurance Quotes 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: May 18, 2024

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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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Having to pay for overpriced auto insurance can deplete your savings account and make it impossible to make ends meet. Comparison shopping is a great way to lower your bills every month.

Insurance companies such as Progressive, GEICO and Farmers Insurance increase brand awareness with ads and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

It’s a good idea to compare prices before your next renewal because auto insurance rates change frequently. Just because you found the lowest rate on 3 Series Gran Turismo coverage at your last renewal you may be paying too much now. Block out anything you think you know about auto insurance because I’m going to teach you one of the quickest ways to lower your annual insurance bill.

If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Consumers just need to learn the most efficient way to compare company rates online.

Lower rate quotes with these insurance discounts

Insurance is easily one of your largest bills, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specifically requested in order for you to get them.

  • Defensive Driving Course – Taking part in a course in defensive driver can save you 5% or more if your company offers it.
  • Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and will save you 10% or more.
  • Driving Data Discount – Drivers who elect to allow their insurance company to look at where and when they drive by using a small device installed in their vehicle such as State Farm’s In-Drive may get a rate reduction if their driving habits are good.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Professional Memberships – Participating in certain professional organizations may earn a discount when shopping for insurance.
  • Military Discounts – Having an actively deployed family member could trigger a small discount.
  • Waiver for an Accident – This one is not really a discount per se, but certain companies permit an accident before they charge you more for coverage with the catch being you have to be claim-free for a certain period of time.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, that’s just not realistic.

Popular insurance companies and some of their more popular discounts include:

  • Farmers Insurance discounts include business and professional, distant student, multi-car, bundle discounts, switch companies, electronic funds transfer, and pay in full.
  • State Farm offers discounts for anti-theft, multiple autos, driver’s education, passive restraint, and multiple policy.
  • Liberty Mutual policyholders can earn discounts including new graduate, preferred payment discount, hybrid vehicle, multi-car, teen driver discount, and good student.
  • MetLife offers premium reductions for good driver, multi-policy, defensive driver, accident-free, good student, claim-free
  • Progressive may offer discounts for multi-policy, homeowner, online signing, good student, multi-vehicle, and continuous coverage.

If you need the cheapest auto insurance quotes, ask all the companies to give you their best rates. Some of the earlier mentioned discounts may not be offered in every state.

The most recommended method to get policy rate comparisons takes advantage of the fact car insurance companies provide online access to compare rate quotes. The one thing you need to do is provide information such as if you’re married, whether or not you need a SR-22, your general credit rating, and if the vehicle is leased. Your insurance information gets sent immediately to multiple different insurance companies and you should receive rate quotes with very little delay.

To check car insurance prices now, click here and complete the quick form.

Insurance coverage can get complicated

When choosing the best insurance coverage coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

  • Should I carry comprehensive and collision coverage?
  • Do I need more liability coverage?
  • Who is covered when they drive my 2016 BMW 3 Series Gran Turismo?
  • When should I not file a claim?
  • What is UM/UIM insurance?
  • Why am I required to buy high-risk coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I missing any policy discounts?
  • Is my nanny covered when driving my vehicle?
  • Does my car insurance cover rental cars?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code. It only takes a few minutes and can help protect your family.

Insurance coverage considerations

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Liability coverages

This coverage can cover injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like repair costs for stationary objects, pain and suffering, legal defense fees, medical expenses and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your BMW 3 Series Gran Turismo.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are set the same as your liability limits.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses for dental work, hospital visits, surgery and X-ray expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your 3 Series Gran Turismo from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, sideswiping another vehicle, backing into a parked car, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More quotes mean more savings

Affordable 2016 BMW 3 Series Gran Turismo insurance can be bought both online and also from your neighborhood agents, so you need to shop auto insurance with both so you have a total pricing picture. A few companies may not provide rate quotes online and many times these smaller providers sell through local independent agencies.

You just read many ideas to shop for 2016 BMW 3 Series Gran Turismo insurance online. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost auto insurance. Drivers may discover the most savings is with the smaller companies. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. There are too many instances where someone dropped liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.

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