Cheaper 2014 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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Searching for cheaper auto insurance rates for your BMW 3 Series Gran Turismo? I can’t think of a single person who rejoices having to buy auto insurance, in particular when they could get a better deal. Online insurance companies like State Farm, Progressive and GEICO continually bombard you with ad campaigns and it can be hard to separate fact from fiction and take the time to shop coverage around.

If you have insurance now or are looking for a new policy, you will benefit by learning to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Drivers just need to understand the best way to compare price quotes online.

Save money with these auto insurance discounts

Not many people think insurance is cheap, but you can get discounts that you may not even be aware of. Certain reductions will be credited when you get a quote, but a few need to be specially asked for in order for you to get them.

  • Clubs and Organizations – Being in a civic or occupational organization could earn you a nice discount on auto insurance.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for 3 Series Gran Turismo coverage compared to rates paid by drivers with frequent claims.
  • Online Discount – Some of the larger companies give back up to $50 for buying a policy and signing up on your computer.
  • ABS Brakes – Vehicles with ABS and/or traction control can reduce accidents and will save you 10% or more.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out life insurance from them.

It’s important to understand that some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Popular auto insurance companies and a partial list of their discounts can be read below.

  • 21st Century may offer discounts for student driver, defensive driver, 55 and older, automatic seat belts, and early bird.
  • Progressive discounts include online signing, online quote discount, good student, multi-policy, continuous coverage, and homeowner.
  • State Farm offers premium reductions for Drive Safe & Save, good student, multiple policy, student away at school, safe vehicle, good driver, and accident-free.
  • Nationwide includes discounts for good student, family plan, business or organization, Farm Bureau membership, anti-theft, and multi-policy.
  • Esurance has discounts for anti-lock brakes, paid-in-full, online quote, homeowner, and Switch & Save.
  • The Hartford offers discounts including air bag, defensive driver, good student, anti-theft, and vehicle fuel type.

It’s a good idea to ask all the companies to apply every possible discount. Some discounts might not be offered in your state.

How to get cheap insurance coverage

The majority of larger companies like State Farm, GEICO and Progressive make it easy to get coverage price quotes online. Comparing rates online is pretty easy as you just enter your personal and coverage information into the form. Upon sending the form, their rating system obtains credit information and your driving record and returns a price based on many factors. This makes it easy to compare insurance prices but the time it takes to visit different websites and type in the same data is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible in order to find better prices.

The smarter way to compare insurance coverage pricing uses one form that analyzes rates from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes comparison shopping much more enjoyable and efficient. As soon as the form is sent, it is quoted with multiple companies and you can pick your choice of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. This process only takes a few minutes and you will find out if you’re overpaying now.

To quickly find out if lower rates are available, simply enter your zip code here and input your coverage information. If you have your current policy handy, we recommend you duplicate the insurance coverages exactly as they are listed on your policy. Doing this assures you will have an apples-to-apples comparison based on similar coverages.

Educated choices result in lower insurance costs

An important part of buying insurance is that you know a few of the rating criteria that help calculate your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that can help you get lower premium levels.

Listed below are a few of the “ingredients” used by companies to determine premiums.

  • Good drivers pay better rates – Attentive drivers tend to pay less for car insurance compared to bad drivers. Even one speeding ticket can increase the cost of insurance by as much as thirty percent. Drivers who have gotten license-revoking citations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to complete a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
  • Higher insurance coverage rates for insurance coverage policy lapses – Having a lapse in insurance coverage will be a quick way to pay more for insurance coverage. Not only will rates go up, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Teen drivers pay high premiums – More mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be get fewer driving tickets. Teenage drivers are known to be less responsible in a vehicle so insurance coverage rates are higher.
  • Urban areas may pay more – Living in smaller towns and rural areas of the country is a positive aspect when buying insurance coverage. Fewer people means less chance of accidents. Drivers in populated areas have to deal with more auto accidents and more time behind the wheel. Higher commute times means a statistically higher chance of an accident.
  • Marriage brings a discount – Having a significant other may save some money compared to being single. Having a significant other translates into being less irresponsible and insurance companies like that married drivers tend to file fewer claims.
  • Compare rates if you combine your policies – Many companies provide lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, you may still want to compare rates to verify if the discount is saving money.

Insurance can get complicated

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can aid in determining if you will benefit from professional help.

  • Who is covered by my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • How high should my medical payments coverage be?
  • When would I need rental car insurance?
  • Does coverage extend to Mexico or Canada?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if I crash into my own garage door?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I still get insurance after a DUI?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete your zip code. It is quick, free and you can get the answers you need.

What insurance coverages do you need?

Learning about specific coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, hail damage, rock chips in glass, damage from flooding and theft. The maximum payout a 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.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as X-ray expenses, doctor visits, prosthetic devices, pain medications and chiropractic care. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your BMW 3 Series Gran Turismo.

Since a lot of drivers 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.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, hitting a parking meter, colliding with another moving vehicle, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability coverage

Liability coverage will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims like emergency aid, repair bills for other people’s vehicles, attorney fees, medical services and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Have the Midas touch

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage for the lowest price and still be able to protect your assets.

More affordable insurance is available from both online companies in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not offer rates over the internet and many times these regional carriers only sell through independent insurance agents.

We just showed you some good ideas how to compare 2014 BMW 3 Series Gran Turismo insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest priced insurance comes from a lesser-known regional company. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

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