2017 BMW X3 Insurance Quotes in 2024 – 6 Ideas for Cheaper 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 31, 2024

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Have you fallen victim to an underperforming, overpriced auto insurance policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Multiple car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the best rate

It’s a great practice to do rate comparisons before your next renewal because auto insurance prices are variable and change quite frequently. Just because you had the best rate for X3 coverage on your last policy you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to quote online to find lower rates on auto insurance.

If you are paying for car insurance now, you should be able to save some money using these tips. Choosing the best insurance company for you is not that difficult. But car owners do need to know how big insurance companies market insurance on the web because it can help you find the best coverage.

Get affordable insurance coverage quotes with discounts

Insurance coverage is easily one of your largest bills, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied at quote time, but some must be specifically requested before being credited. If you do not double check each discount available, you are paying more than you should be.

  • Claim Free – Insureds who avoid accidents and claims get the best insurance coverage rates when compared to insureds who have frequent claims or accidents.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
  • Cautious Driver Discount – Accident-free drivers may receive a discount up to 45% for X3 coverage compared to rates paid by drivers with frequent claims.
  • Low Miles Discount – Driving less may enable drivers to earn slightly better rates than normal.
  • Defensive Driver – Taking time to complete a defensive driving course is a good idea and can lower rates if your company offers it.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts could see savings of up to 25% or more.

Consumers should know that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

A list of companies and a partial list of their discounts are:

  • 21st Century offers discounts including early bird, automatic seat belts, 55 and older, driver training, and air bags.
  • State Farm may include discounts for safe vehicle, good student, student away at school, defensive driving training, multiple policy, Drive Safe & Save, and driver’s education.
  • AAA has discounts for education and occupation, multi-car, anti-theft, good driver, pay-in-full, and AAA membership discount.
  • Liberty Mutual policyholders can earn discounts including newly married, new vehicle discount, preferred payment discount, hybrid vehicle, new graduate, newly retired, and multi-car.
  • Progressive includes discounts for homeowner, online signing, online quote discount, continuous coverage, and multi-vehicle.

When getting free insurance quotes, it’s a good idea to all the companies the best way to save money. Some discounts listed above may not be available in your area. To see insurance coverage companies with significant discounts, enter your zip code here.

Free car insurance price quotes

There are multiple methods you can shop for car insurance but some are less labor-intensive and much quicker. You can spend your afternoon driving to insurance agencies in your area, or you can utilize the internet to get rates in a matter of minutes.

Many of the larger companies belong to a marketplace that enables customers to complete one form, and each company then returns a price quote for coverage. This system prevents you from having to do quote requests to each company.

To enter your information into the quoting system, enter your zip code here.

The only drawback to comparing rates this way is that you can’t choose the companies you want to price. If you would rather choose specific providers to compare rates, we have a page of car insurance companies in your area. Click to enter zip code.

Which method you use is up to you, but make sure you compare the exact same quote data on every price quote you get. If you enter mixed coverages it will be very difficult to decipher which rate is best. Quoting even small variations in coverages could throw off the whole comparison. It’s important to know that obtaining a wide range of quotes increases your odds of finding more affordable rates.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you would benefit from professional advice.

  • Does medical payments coverage apply to all occupants?
  • Which is better, split liability limits or combined limits?
  • When would I need additional glass coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my car insurance cover rental cars?
  • How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Insurance coverage specifics

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Collision insurance

This coverage covers damage to your X3 caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, a broken windshield, a tree branch falling on your vehicle, hitting a deer and fire damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

Liability coverage can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle 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 might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, medical expenses and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like prosthetic devices, rehabilitation expenses and funeral costs. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

We’ve covered a lot of information how to get a better price on 2017 BMW X3 insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the biggest savings come from a smaller regional carrier. Smaller companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as State Farm or Progressive.

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