2017 BMW 3 Series Gran Turismo Insurance Quotes in 2024 – 8 Ideas for Best Rates

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 18, 2024

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Finding more affordable auto insurance is always hard for beginners to shopping for insurance online. Drivers have so many options that it can quickly become hard work to find the best rates.

You need to shop coverage around once or twice a year because insurance prices are usually higher with each renewal. If you had the lowest quotes on 3 Series Gran Turismo coverage a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to demonstrate the right way to reduce your cost while improving coverage.

Finding the best rates is not rocket science. Just about every vehicle owner who is shopping for car insurance will most likely be able to find better rates. Although drivers do need to understand how the larger insurance companies market on the web and use this information to your advantage.

Do you qualify for discount insurance coverage?

Auto insurance companies don’t always list their entire list of discounts in an easy-to-find place, so below is a list some of the more common and also the lesser-known ways to save on insurance coverage. If you don’t get every credit possible, you’re just leaving money on the table.

  • No Claims – Good drivers with no accidents can save substantially when compared with drivers with a long claim history.
  • Multiple Cars – Buying insurance for primary and secondary vehicles with the same insurance coverage company qualifies for this discount.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save a little on medical payment and PIP coverage.
  • Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase life insurance from them.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control are safer to drive and earn discounts up to 10%.
  • Discount for Home Ownership – Owning a home may trigger a policy discount on insurance coverage because of the fact that having a home shows financial diligence.
  • Data Collection Discounts – Policyholders that allow companies to study when and where they use their vehicle by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as the data is positive.
  • Distant Student – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.

As is typical with insurance, most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts should definitely cut your overall premium however.

Some of the insurance companies that may offer many of the previously listed discounts are:

  • Travelers
  • 21st Century
  • State Farm
  • AAA

Before buying, ask every prospective company the best way to save money. Savings may not apply in every state.

How to lower your auto insurance cost

To find cheaper rates, there are a couple of ways of comparing price quotes from auto insurance companies in your area. The best method to compare 2017 BMW 3 Series Gran Turismo insurance prices is to get quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

The easiest and least time consuming way to get quotes for comparison is a comparison rater form. This form prevents you from having to do separate forms to each individual auto insurance company. A single form will get you rate comparisons instantly. Just one form and you’re done.

A harder way to find more affordable insurance is to take the time to go to the website of each company and repeat the quote process again and again. For example, let’s say you want to compare prices for Progressive, GEICO and Liberty Mutual. In order to compare rates, you need to visit each site and type in your information over and over, which explains why we recommend starting with the first method.

The hardest way to quote and compare insurance rates is calling or driving to different agent offices. The ability to quote online eliminates the middleman unless you want the advice and guidance that only an agent can give. Some companies do allow you to price shop online but have your policy serviced through an agent.

The method you choose is up to you, but try to use the same quote data on every quote you get. If you have different data it’s not possible to determine the lowest rate for your BMW 3 Series Gran Turismo. Quoting even small variations in insurance coverages or limits may result in a large different in cost. And when comparison shopping, comparing a wide range of rates increases your odds of finding a lower rate than you’re paying now. Not every company provides online price quotes, so it’s recommended that you also compare prices from the smaller companies as well.

What insurance coverages do I need?

When choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

  • Why do I need rental car insurance?
  • Can I get a multi-policy discount?
  • What is an SR-22 filing?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Which companies will insure high-risk drivers?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, fill out your zip code.

Auto insurance coverages and their meanings

Having a good grasp of a auto insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision insurance

This pays for damage to your 3 Series Gran Turismo from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, crashing into a building, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits 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 property damage coverage for $50,000.

Liability insurance covers claims such as emergency aid, funeral expenses, structural damage, pain and suffering and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, vandalism, hail damage, hitting a deer and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for rehabilitation expenses, funeral costs and EMT expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your BMW 3 Series Gran Turismo.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Cheaper insurance is a realistic goal

People switch companies for many reasons like policy non-renewal, policy cancellation, an unsatisfactory settlement offer and unfair underwriting practices. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

There are still a few companies who may not have internet price quotes and these smaller providers only sell through independent agents. Cost effective 2017 BMW 3 Series Gran Turismo insurance is definitely available both online in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from.

We covered quite a bit of information on how to reduce 2017 BMW 3 Series Gran Turismo insurance premium rates online. It’s most important to understand that the more you quote car insurance, the better your comparison will be. You may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

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