View 2018 BMW 3 Series Insurance Quotes

No normal person looks forward to paying premiums for auto insurance, especially when it costs too dang much. Companies like Allstate and Progressive promote their brand names with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

It’s a great practice to quote other rates every six months since prices change regularly. Even if you think you had the best rates for 3 Series coverage on your last policy a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because we’re going to demonstrate how to use the internet to buy cheaper auto insurance.

How to shop car insurance online

Many insurance companies such as 21st Century, Allstate and State Farm allow consumers to get pricing direct online. Doing online quotes is quite simple as you simply enter the amount of coverage you want on the page. After the form is submitted, the system will order your credit score and driving record and generates a price. Quoting online makes comparing rates easy, but the process of having to visit many different websites and fill out multiple forms is a waste of time. But it’s also necessary to have as many quotes as possible in order to get better car insurance pricing.

The quickest way to locate the lowest prices makes use of a single form that obtains quotes from multiple companies. The form is fast, eliminates repetitive work, and makes comparison shopping a lot less work. Immediately after you send the form, it is quoted and you can choose any or none of the pricing results. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. It only takes a few minutes and you will find out if you’re overpaying now.

If you want to compare rates now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you input exactly as they are listed on your policy. This way, you are getting rate comparison quotes based on identical coverages.

Earn discounts on insurance

The price of auto insurance can be rather high, but you may qualify for discounts that can help lower your rates. A few discounts will be applied when you complete an application, but a few must be specially asked for prior to getting the savings. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.

  • Discount for Life Insurance – Larger insurance carriers have better rates if you take out some life insurance in addition to your auto policy.
  • Telematics Data Discounts – Drivers who agree to allow their insurance company to scrutinize driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they show good driving skills.
  • Defensive Driver Discount – Taking time to complete a defensive driving course could earn you a small percentage discount if you qualify.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • No Claims – Drivers with accident-free driving histories get the best insurance rates as opposed to accident-prone drivers.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Auto insurance companies that may have these benefits include:

When quoting, ask each company or agent what discounts are available to you. Discounts may not be offered in your state. If you would like to choose from a list of insurance companies with the best insurance discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining if you will benefit from professional help.

  • How do I insure my teen driver?
  • Is my trailer covered?
  • What is an SR-22 filing?
  • How can I find cheaper teen driver insurance?
  • Is there coverage for injuries to my pets?
  • Can I make deliveries for my home business?
  • Do I need PIP coverage since I have good health insurance?
  • Am I getting all the discounts available?
  • At what point should I drop full coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance 101

Understanding the coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages found on most car insurance policies.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, sustaining damage from a pot hole, rolling your car, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your BMW 3 Series.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as bail bonds, loss of income and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for doctor visits, hospital visits, rehabilitation expenses and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield, falling objects, a tree branch falling on your vehicle and hail damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.