Cheap 2018 BMW 3 Series 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: Mar 30, 2024

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Do you get overwhelmed by the crazy number of auto insurance companies in your area? vehicle owners have so many choices that it can really be a real challenge to lower your auto insurance rates.

It’s a good idea to take a look at other company’s rates periodically due to the fact that insurance prices are constantly changing. Just because you had the best rates for 3 Series coverage a couple years back you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re going to learn the tricks you need to know to save on auto insurance.

Finding affordable coverage is quite easy. Just about every driver who carries insurance should be able to lower their premiums. Although drivers benefit from understanding the methods companies use to sell insurance online because it can help you find the best coverage.

Choices you make can impact your insurance premiums

An important part of buying insurance is that you know the different types of things that help calculate auto insurance rates. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that can earn you lower premium levels.

  • Get better rates if married – Having a spouse may save some money on your policy. It means you’re more mature and responsible and statistics show drivers who are married are more cautious.
  • Teenagers are high risk – Older, more experienced drivers are more responsible, statistically cause fewer accidents , and are generally more financially stable. Drivers with little experience are statistically shown to be inattentive and easily distracted when driving with friends so they pay higher auto insurance rates.
  • Increase comp and collision deductibles and save – Physical damage coverage, also called ‘full coverage’, covers damage that occurs to your BMW. Some examples of covered claims would be a dented fender, flood damage, and damage caused by flying debris. Your deductibles are how much you are willing to pay out-of-pocket if the claim is covered. The more of the claim you have to pay, the lower your rates will be for 3 Series coverage.
  • Be proud to be claim-free – If you tend to file frequent claims, you should expect either policy cancellation or increased premiums. Car insurance companies give better rates to drivers who are claim-free. Your car insurance is designed for claims that you cannot pay yourself.
  • Insure car and home with the same company – Lots of auto insurance companies provide a discount to insureds that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to as much as ten percent or more Even though this discount sounds good, consumers should still shop around to verify if the discount is saving money. You may still find a better deal by splitting coverages up.

Compare auto insurance rates

Effectively comparing auto insurance prices is a ton of work if you don’t understand the most efficient way to do it. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can utilize the internet to get prices fast.

Many insurance companies enroll in a system that enables customers to enter their policy data once, and each participating company returns a competitive quote for coverage. This eliminates the need for quotation requests to every company.

To submit your quote information now, enter your zip code here.

The only drawback to doing it this way is you can’t choose which providers you want to price. If you wish to select specific providers to compare rates, we have a page of low cost auto insurance companies in your area. Click to enter zip code for insurance companies.

The method you choose is up to you, but make darn sure you compare identical coverage limits and deductibles for each comparison quote. If your comparisons have higher or lower deductibles it will be impossible to truly determine the lowest rate. Having just a slight variation in insurance coverages could throw off the whole comparison. And when price shopping your coverage, comparing more company’s prices provides better odds of finding the best offered rates.

Brand name doesn’t guarantee savings

Big name companies like Progressive, GEICO, Allstate and State Farm seem to constantly run ads on television and other media. They all seem to try to convey promises about how much you will save just by switching to their company. Is it even possible that every company can claim to save you money? Here is how they do it.

Most companies have strict underwriting profiles for the type of insured that will add to their bottom line. For instance, a driver they prefer might be described as between the ages of 30 and 50, has never had a claim, and has a high credit rating. Someone who meets those qualifications will get low car insurance rates as well as save quite a bit of money when switching.

Insureds who are not a match for this ideal profile will have to pay more expensive rates and ends up with the customer buying from someone else. The wording the ads use say “customers that switch” but not “everyone who gets a quote” save that kind of money. This is how insurance companies can confidently advertise the savings. Each company has different criteria, so you really need to get as many free insurance quotes as possible. Because without a comparison, you cannot know the company that will have the lowest car insurance rates for your situation.

Don’t overlook these car insurance discounts

Car insurance is not an enjoyable expense, but there’s a good chance there are discounts that may help make it more affordable. Some discounts will apply when you complete an application, but a few must be asked about before being credited.

  • Theft Deterrent System – Vehicles optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Multi-policy Discount – When you have multiple policies with one company they may give you a discount of approximately 10% to 15%.
  • Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Government Employees – Simply working for the federal government could cut as much as 10% off for 3 Series coverage with certain companies.
  • New Car Discount – Putting car insurance coverage on a new car can cost up to 25% less since new model year vehicles are generally safer.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Popular car insurance companies and their possible discounts are detailed below.

  • State Farm offers discounts including driver’s education, good student, multiple policy, student away at school, Steer Clear safe driver discount, and anti-theft.
  • GEICO has savings for defensive driver, multi-vehicle, anti-theft, daytime running lights, membership and employees, air bags, and five-year accident-free.
  • Progressive offers discounts for online quote discount, online signing, multi-policy, continuous coverage, and homeowner.
  • 21st Century has discounts for homeowners, air bags, 55 and older, theft prevention, and early bird.
  • American Family may offer discounts for multi-vehicle, mySafetyValet, bundled insurance, Steer into Savings, air bags, early bird, and TimeAway discount.
  • The Hartford includes discounts for vehicle fuel type, bundle, anti-theft, air bag, defensive driver, and driver training.
  • AAA offers premium reductions for education and occupation, anti-theft, multi-policy, pay-in-full, good student, and multi-car.

If you need lower rates, check with all companies you are considering to give you their best rates. All car insurance discounts may not apply in every state.

When to get professional advice

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • Is my teenager covered with friends in the car?
  • Do I have coverage when making deliveries for my home business?
  • Does my insurance cover a custom paint job?
  • When should I not file a claim?
  • How much can I save by bundling my policies?
  • Can I rent a car in Mexico?
  • Should I carry comprehensive and collision coverage?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out your zip code.

Coverage specifics

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for doctor visits, rehabilitation expenses, prosthetic devices and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 2018 BMW 3 Series.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, rock chips in glass, damage from getting keyed and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages – This can cover damage that occurs to a person or their property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This coverage will pay to fix damage to your 3 Series caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, hitting a parking meter, crashing into a ditch, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Take this to the bank

Cheaper insurance coverage is attainable both online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer online price quotes and most of the time these smaller providers only sell through independent insurance agents.

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

We just showed you a lot of tips how to shop for 2018 BMW 3 Series insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding cheaper insurance. Consumers could even find that the most savings is with an unexpected company.

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