2017 BMW 3 Series eDrive Insurance Rates in 2024

No sane person is fond of buying insurance coverage, especially when they know their premiums are too high. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and it can be hard to ignore the propoganda and do the work needed to find the best deal.

Smart consumers take time to check insurance coverage prices every six months because prices are variable and change quite frequently. Just because you found the best rates on 3 Series eDrive coverage last year you will most likely find a better rate quote today. Ignore everything you know about insurance coverage because you’re about to learn how to use the internet to reduce your cost while increasing coverage.

If you have insurance now or are just looking to switch companies, you can use these tips to find the best rates while maintaining coverages. Finding the best rates is not rocket science. Drivers just need to know the most effective way to shop their coverage around online.

Ways to get car insurance price quotes

All the larger car insurance companies like Allstate and Progressive provide coverage prices online. The process is fairly straightforward as you simply enter as detailed in the form. Upon sending the form, their system makes automated requests for your credit score and driving record and provides a quote based on these and other factors. This makes it easy to compare insurance prices but the work required to visit many different websites and type in your information can get tiresome after awhile. But it is imperative to have as many quotes as possible if you are searching for a lower rate.

Quote rates the easy way

A quicker way to compare rates uses just one form that analyzes rates from more than one company. It saves time, eliminates form submissions, and makes online quotes much simpler. Once the form is submitted, it gets priced with multiple companies and you can pick your choice of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The whole process just takes a couple of minutes and could lower your rates considerably.

To quickly compare pricing, simply enter your zip code here and fill out the form. If you have coverage now, it’s recommended you type in coverages and limits identical to your current policy. Doing this assures you will receive comparison quotes using the same coverage and limits.

Cheaper rates by taking advantage of discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you purchase, but some must be inquired about in order for you to get them. If you do not check that you are getting every discount available, you’re paying more than you need to.

• Military Rewards – Having a family member in the military can result in better rates.
• Driver Safety – Taking part in a driver safety course can save you 5% or more if you qualify.
• Low Mileage – Low annual miles may allow you to get lower premium rates on the low mileage vehicles.
• Anti-lock Brake Discount – Cars with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, it just doesn’t work that way.

Some of the larger companies that have most of these discounts include:

• Progressive
• AAA
• Farmers Insurance
• GEICO
• Esurance
• SAFECO
• State Farm

If you need lower rates, check with all the companies how you can save money. All car insurance discounts might not be available to policyholders in your state. To choose insurance coverage companies with significant discounts, enter your zip code here.

How much auto insurance do I need?

When it comes to choosing coverage, there is no best way to insure your cars. Every situation is different so your insurance needs to address that. For instance, these questions can help discover if your situation would benefit from professional advice.

• Are rock chip repairs covered?
• Is my BMW 3 Series eDrive covered if I use it for business?
• Do I need more liability coverage?
• What if I owe more than I can insure my car for?
• What is UM/UIM insurance?
• I don’t drive much so do I pay less?
• Are there companies who specialize in insuring high-risk drivers?
• Is my trailer covered?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Knowing the specifics of auto insurance can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.

Collision protection

This will pay to fix damage to your 3 Series eDrive caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, crashing into a building, sideswiping another vehicle, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things such as medical expenses, court costs, loss of income, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your BMW 3 Series eDrive.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, a broken windshield, hitting a bird and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for rehabilitation expenses, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible