2019 BMW 3 Series eDrive Car Insurance Quotes in 2024 – 8 Tips to Save

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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: Jun 2, 2024

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When trying to find lower-priced insurance, do you get confused by the wide range of car insurance sources available to you? Vehicle owners have such a vast assortment of sources available that it can easily turn into a real hassle to compare car insurance rates.

You should make it a habit to quote other rates yearly because prices fluctuate regularly. Despite the fact that you may have had the best rates for 3 Series eDrive coverage last year you can probably find a better premium rate now. There is too much inaccurate information about car insurance online, but in a few minutes you can learn some excellent ideas to buy car insurance cheaper.

Finding affordable coverage is quite easy. Just about everyone who has to buy car insurance will more than likely be able to reduce their rates. But car owners do need to learn the methods companies use to sell insurance online because it can help you find the best coverage.

The quickest method to compare policy rates is to realize auto insurance companies have advanced systems to compare their rates. All consumers are required to do is spend a couple of minutes providing details such as if a SR-22 is required, driver details, the type of vehicles you drive, and deductibles desired. The rating information is instantly submitted to many highly-rated insurers and they respond with quotes quickly.

Do you qualify for these eight discounts?

Some insurance providers don’t always advertise every discount very clearly, so we took the time to find a few of the more common and the harder-to-find credits available to you.

  • No Charge for an Accident – This isn’t a discount exactly, but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before they charge you more for coverage as long as you don’t have any claims before the accident.
  • Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class if offered at their school.
  • Federal Employees – Active or former government employment could cut as much as 10% off for 3 Series eDrive coverage with a few auto insurance companies.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Low Mileage Discounts – Keeping the miles down on your BMW could earn lower rates due to less chance of an accident.
  • Senior Citizen Discount – Older drivers could receive a small decrease in premiums for 3 Series eDrive coverage.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote for 3 Series eDrive coverage compared to rates paid by drivers with frequent claims.
  • Student in College – Children who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.

A quick disclaimer, many deductions do not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, it just doesn’t work that way.

Larger auto insurance companies and the discounts they provide are shown below.

  • GEICO discounts include emergency military deployment, air bags, defensive driver, seat belt use, multi-policy, and military active duty.
  • Travelers may offer discounts for IntelliDrive, good student, save driver, early quote, student away at school, multi-policy, and home ownership.
  • Nationwide has discounts for multi-policy, family plan, anti-theft, defensive driving, accident-free, and good student.
  • Farmers Insurance may have discounts that include electronic funds transfer, youthful driver, early shopping, switch companies, and teen driver.
  • Esurance policyholders can earn discounts including renters, multi-car, emergency road assistance, claim free, and good driver.
  • State Farm includes discounts for anti-theft, driver’s education, student away at school, defensive driving training, Steer Clear safe driver discount, accident-free, and passive restraint.
  • Progressive offers discounts including homeowner, multi-policy, continuous coverage, multi-vehicle, online signing, online quote discount, and good student.
  • Mercury Insurance has savings for good driver, location of vehicle, age of vehicle, annual mileage, good student, and ease of repair.

If you are trying to find cheap car insurance quotes, ask each company or agent which discounts you qualify for. Some discounts listed above might not be offered in your area. If you would like to view insurers that offer multiple discounts, enter your zip code here.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying adequate coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether you might need professional guidance.

  • When should I not file a claim?
  • Can I afford low physical damage deductibles?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my 2019 BMW 3 Series eDrive covered for smoke damage?
  • Do I need special endorsements for business use of my vehicle?
  • Why does it cost so much to insure a teen driver?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?
  • Is a fancy paint job covered?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out your zip code.

Beware of misleading car insurance ads

Car insurance companies such as Progressive, GEICO, Allstate and State Farm seem to constantly run television, radio, and online ads. They all try to convey promises about savings if you get a free car insurance quote and switch to their company. How is it plausible that every one can offer you a better deal?

Most companies have specific characteristics for the type of driver that will not have excessive claims. For instance, this type of risk profile should be a married male, has a clean driving record, and drives less than 7,500 miles a year. Any customer who meets those qualifications receive the lowest rate quotes and will most likely pay quite a bit less when switching companies.

People who don’t qualify for those criteria will have to pay a higher rate and business not being written. The ads state “drivers who switch” but not “all drivers who get quotes” save that kind of money. That’s the way companies can truthfully make it sound like they have such great rates.

Because of this risk profiling, you absolutely need to compare many company’s rates. Because you never know which insurance companies will have the best prices for your profile.

Auto insurance coverages

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage will pay to fix damage to your 3 Series eDrive from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a ditch, colliding with another moving vehicle, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, vandalism, hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverage

This protects you from damage or injury you incur to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, funeral expenses and medical services. How much coverage you buy is your choice, but buy higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like chiropractic care, surgery and pain medications. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Save your cold hard cash

Consumers switch companies for a variety of reasons including questionable increases in premium, delays in paying claims, policy non-renewal and denial of a claim. Regardless of your reason for switching companies, finding a new car insurance company can be easier than you think.

Cheaper car insurance is available online as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not offer online quoting and most of the time these regional carriers prefer to sell through independent insurance agencies.

In this article, we presented quite a bit of information on how to lower your 2019 BMW 3 Series eDrive insurance prices. The key thing to remember is the more companies you get rates for, the better likelihood of getting inexpensive car insurance. You may even find the biggest savings come from a small local company.

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