Compare 1997 BMW 3 Series Insurance Rates

I can’t think of anyone who cherishes buying insurance, in particular when the cost is too high.

Having so many choices, it can be diffult for consumers to locate the most affordable provider.

It’s a good idea to take a look at other company’s rates periodically since insurance rates change quite often. Just because you had the best deal on 3 Series insurance last year a different company probably has better rates today. Starting now, forget all the misinformation about insurance because you’re going to learn how to use online quotes to remove unneeded coverages and save money.

Save with discounts on BMW 3 Series insurance

Companies that sell car insurance do not list all their discounts in a way that’s easy to find, so here is a list both the well known and the more hidden discounts you could be receiving.

  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Safety Course Discount – Completing a course in driver safety can save you 5% or more depending on where you live.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may save up to 20% off your total premium.
  • Homeowners Savings – Simply owning a home can help you save on insurance due to the fact that maintaining a home requires personal responsibility.

Drivers should understand that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

Car insurance companies that may have these discounts include:

Double check with all companies you are considering how you can save money. Some discounts may not apply in your area.

Free Quotes for Car Insurance

There are a variety of methods to compare 1997 BMW 3 Series car insurance quotes, and some are easier and takes less work. You could spend your day talking to insurance agencies in your area, or you could use the web to get pricing more quickly.

All the larger companies belong to a marketplace that enables customers to send in one quote, and each participating company can give them a price for coverage. This system prevents you from having to do quote requests for each company you want a rate for.

To get comparison pricing now click here to open in new window.

The single downside to doing it this way is you cannot specify the insurers you will receive quotes from. If you prefer to choose from a list of companies for rate comparison, we have a page of companies who write car insurance in your area. Click to view list.

It doesn’t matter which method you choose, just compare the exact same coverages for every company. If the quotes have different liability limits then you won’t be able to truly determine the lowest rate. Having just a slight variation in limits may result in a large different in cost. Just keep in mind that comparing more company’s prices will improve the odds of getting lower pricing.

Tailor your coverage to you

When buying coverage, there really is not a “perfect” insurance plan. Each situation is unique so this has to be addressed. For instance, these questions may help you determine if your situation might need professional guidance.

  • How many claims can I have before being cancelled?
  • Am I covered if I break a side mirror?
  • What can I do if my company won’t pay a claim?
  • Does my insurance cover my expensive audio equipment?
  • Which companies will insure high-risk drivers?
  • What is no-fault insurance?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Insurance policy coverages for a BMW 3 Series

Having a good grasp of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses such as prosthetic devices, hospital visits, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants in addition to 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 – This coverage protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others. Liability doesn’t cover 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 might see values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as legal defense fees, emergency aid and pain and suffering. How much coverage you buy is your choice, but buy as large an amount as possible.

Comprehensive coverages – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, damage from flooding, hitting a bird and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision insurance covers damage to your 3 Series from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, colliding with a tree, hitting a mailbox, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Be a penny pincher

Throughout this article, we presented a lot of ways to save on 1997 BMW 3 Series insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a lesser-known regional company. These companies may only write in your state and offer lower rates than their larger competitors like Progressive and Geico.

Lower-priced insurance can be sourced online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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