View 2022 BMW 3 Series Car Insurance Cost 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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Searching for cheaper car insurance rates for your BMW 3 Series? If shopping for car insurance quotes online is new to you, it’s easy to be confused thanks to all the different types of local and online companies vying for business.

It’s a good idea to take a look at other company’s rates before your policy renews since insurance rates change quite often. Even if you think you had the best premium rates on 3 Series insurance at your last renewal there is a good chance you can find better prices now. Block out anything you think you know about car insurance because you’re about to learn how to use online quotes to reduce your cost while increasing coverage.

Low cost car insurance prices

Effectively comparing car insurance prices can be challenging if you don’t understand the easiest way. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use the internet to maximize your effort.

Many companies participate in a marketplace where prospective buyers submit their information once, and every company can provide price quotes determined by their information. This prevents consumers from doing form submissions for each company.

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

The only downside to getting quotes like this is you can’t choose the providers you want to price. So if you want to select specific providers to receive pricing from, we put together a list of car insurance companies in your area. Click to enter zip code.

You can choose any of those ways to find more affordable coverage, but make darn sure you compare the exact same coverages for each comparison quote. If you are comparing different data it will be very difficult to decipher which rate is best. Slightly different coverage limits can result in a big premium difference. Keep in mind that comparing a wide range of rates will increase your chances of finding the best offered rates.

Don’t miss these discounts

Some providers don’t always advertise every discount they offer in a way that’s easy to find, so the following is a list of a few of the more well known and the more hidden credits that you can use to lower your rates. If you don’t get every credit available, you could be paying more than you need to.

  • Telematics Data Discounts – Drivers that enable their insurance coverage company to study when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot could see a rate decrease if their driving habits are good.
  • Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you may have a lower total premium amount.
  • Own a Home – Just owning your own home can get you a discount because of the fact that having a home is proof that your finances are in order.
  • Save with a New Car – Buying a new car instead of a used car can save you some money since newer models have better safety ratings.
  • Discounts for Federal Employees – Employees or retirees of the government can earn a discount up to 10% on 3 Series insurance depending on your insurance coverage provider.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. Even though it appears adding up those discounts means a free policy, that’s just not realistic.

The best insurance coverage companies and a partial list of their discounts are outlined below.

  • Progressive offers premium reductions for multi-vehicle, multi-policy, homeowner, online signing, online quote discount, and continuous coverage.
  • Farmers Insurance may have discounts that include distant student, alternative fuel, teen driver, good student, and electronic funds transfer.
  • Farm Bureau policyholders can earn discounts including multi-policy, good student, youthful driver, driver training, multi-vehicle, renewal discount, and safe driver.
  • State Farm discounts include good student, driver’s education, anti-theft, accident-free, and Steer Clear safe driver discount.
  • GEICO may include discounts for good student, emergency military deployment, defensive driver, air bags, daytime running lights, seat belt use, and multi-vehicle.
  • SAFECO includes discounts for homeowner, anti-theft, bundle discounts, multi-car, safe driver, teen safe driver, and drive less.
  • Liberty Mutual offers discounts including multi-car, new graduate, good student, hybrid vehicle, exclusive group savings, newly married, and new move discount.

Double check with every insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in your state.

Special considerations

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether or not you may require specific advice.

  • Am I insured when driving a different vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is medical payments coverage?
  • Do I need roadside assistance coverage?
  • Is my cargo covered for damage or theft?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code.

Detailed coverages of your car insurance policy

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverage

This can cover damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as pain and suffering, structural damage, emergency aid and attorney fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, sideswiping another vehicle, hitting a parking meter, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 2022 BMW 3 Series.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses like EMT expenses, chiropractic care and ambulance fees. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, a tree branch falling on your vehicle, theft and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Final thoughts

As you quote car insurance, it’s not a good idea to buy poor coverage just to save money. There are many occasions where someone dropped liability coverage limits only to regret at claim time that it was a big mistake. The ultimate goal is to buy enough coverage for the lowest cost and still be able to protect your assets.

Consumers who switch companies do it for a number of reasons such as policy non-renewal, being labeled a high risk driver, extreme rates for teen drivers or even not issuing a premium refund. Whatever your reason, choosing a new insurance company can be pretty painless.

Some insurance companies may not offer the ability to get quotes online and many times these small insurance companies only sell coverage through independent insurance agents. The cheapest 2022 BMW 3 Series insurance is definitely available online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates.

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