2014 BMW X3 Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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 31, 2024

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Searching for the cheapest insurance rates for your BMW X3? Finding cheap insurance can seem to be quite difficult for drivers who have little experience buying insurance online. Because there are so many companies competing online, it can easily be more work than you anticipated to find the best price.

If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. Finding more affordable insurance coverage coverage is quite easy. But car owners do need to learn the way companies price online insurance because it can help you find the best coverage.

Ways to get insurance quotes

The are a couple different ways to compare prices from many different insurance companies. One of the best ways to do a complete rate comparison is to use the internet to compare rates. It’s really quite simple and can be done in a couple of different ways.

Experts agree that the best way to get quotes for comparison is to use a rate comparison form. This style of form prevents you from having to do separate quote forms for each company you want a rate for. Just one form gets you price quotes from all major companies. This is perfect if you don’t have a lot of time.

A less efficient way to compare rate quotes requires visiting the website for each individual company and get a separate price quote. For instance, we’ll pretend you want to compare rates from Farmers, Liberty Mutual and State Farm. You would be required to go to every website and repeatedly enter your information, which can take a lot of time.

The least recommended method to get comparison rates to insurance agents’ offices. Comparing rate quotes online eliminates the need for an insurance agent unless you’re the type of person who wants the professional assistance that only a licensed agent can provide. It is possible with some companies get prices online but buy the policy through an agent.

You can choose any of those ways to find more affordable coverage, but do your best to use the exact same coverage limits and deductibles for each comparison quote. If your comparisons have unequal deductibles or liability limits it’s impossible to truly determine the lowest rate. Just a small difference in insurance coverages could throw off the whole comparison. Just remember that making a lot of price comparisons will increase your chances of finding lower pricing.

Earn discounts on auto insurance

Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so below is a list both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy insurance coverage online. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Homeowners Savings – Being a homeowner can earn you a little savings due to the fact that maintaining a home shows financial diligence.
  • Discount for New Cars – Buying a new car model can save up to 30% since newer vehicles are generally safer.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Online Discount – Many companies may give you up to $50 for signing up on the web.
  • Distant Student Discount – Children living away from home attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Defensive Driver Discounts – Taking part in a course that instructs on driving safety could save 5% or more and make you a better driver.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Senior Citizen Rates – Mature drivers are able to get a small discount on rates on X3 coverage.
  • Multi-Vehicle Discounts – Having multiple vehicles on one policy could earn a price break for each car.
  • Clubs and Organizations – Being in a professional or civic organization can get you a small discount when getting a insurance coverage quote.

Discounts lower rates, but many deductions do not apply to the whole policy. A few only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To see a list of companies that provide some of the discounts listed above, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • Do I have coverage when making deliveries for my home business?
  • Can I drive in Mexico and have coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How can I get high-risk coverage after a DUI?
  • Does my insurance cover a custom paint job?
  • How does medical payments coverage work?
  • What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out your zip code.

Coverages available on your insurance policy

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your BMW X3.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, vandalism, damage from getting keyed, hitting a deer and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

Collision insurance covers damage to your X3 resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as nursing services, dental work, doctor visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage protects you from damage that occurs to other people or property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

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