2023 BMW 3 Series Insurance Quotes in 2024 – 7 Tricks for Cheaper Rates

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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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Drivers have options when trying to find the lowest priced BMW 3 Series insurance. You can either waste hours contacting agents to compare prices or leverage the internet to get rate quotes. There is a better way to buy auto insurance and you need to know the quickest way to compare rates for a BMW and get the cheapest rates from local insurance agents and online providers.

If you have a current insurance coverage policy or need a new policy, you can use these tips to find the best rates and still get good coverage. This article will instruct you on how car insurance quotes work and some money-saving tips. Consumers just need to understand the proper methods to shop for insurance coverage over the internet.

Do you qualify for these seven discounts?

Car insurance companies don’t list their entire list of discounts very well, so we researched both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online.

  • Good Grades Discount – Performing well in school can get you a discount of up to 25%. Most companies allow this discount up to age 25.
  • Membership in Organizations – Being a member of a qualifying organization could trigger savings on your policy.
  • Auto/Home Discount – When you have multiple policies with one company you may earn up to 20% off your total premium.
  • Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and earn discounts up to 10% off your car insurance quote.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
  • Discount for New Cars – Insuring a vehicle that is new is cheaper because newer vehicles have to meet stringent safety requirements.
  • Military Rewards – Being on active duty in the military can result in better premium rates.

You can save money using discounts, but many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. So even though you would think you could get a free auto insurance policy, you won’t be that lucky.

Large auto insurance companies and their possible discounts can be found below.

  • AAA may offer discounts for pay-in-full, AAA membership discount, good driver, education and occupation, multi-policy, anti-theft, and multi-car.
  • Progressive has savings for good student, multi-vehicle, online signing, multi-policy, and continuous coverage.
  • State Farm discounts include multiple autos, defensive driving training, student away at school, accident-free, anti-theft, good student, and passive restraint.
  • Esurance includes discounts for defensive driver, safety device, renters, emergency road assistance, claim free, online quote, and online shopper.
  • Nationwide has discounts for Farm Bureau membership, multi-policy, accident-free, easy pay, and defensive driving.

Check with each company to apply every possible discount. Savings may not be offered in your area. To view companies that offer the discounts shown above, enter your zip code here.

Buy insurance coverage online

Getting cheaper 2023 BMW 3 Series insurance coverage pricing is an easy way to save money. The only requirement is to invest a few minutes to get quotes to see which company has low cost car insurance quotes. It’s super easy and can be done in just a few minutes using one of these methods.

  • The most efficient way to compare a lot of rates at once would be an industry-wide quote request form. This method eliminates the need for repetitive form entry for each company. Filling out one form will get you price quotes from multiple companies. It’s the fastest way to compare.
  • A slightly less efficient method to shop for insurance coverage online requires a visit to the website for each individual company to complete their respective quote request forms. For sake of this example, let’s assume you want to see prices from Nationwide, Farmers and GMAC. You would need to go to each individual site to enter the same coverage data repeatedly, which can get rather old.

Whichever way you choose to compare rates, make sure you use identical information with each company. If you have differing limits it will be next to impossible to make an equal comparison.

Don’t assume everyone needs the same insurance coverage

When it comes to choosing the best insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can help discover if your situation might need professional guidance.

  • Am I covered when driving someone else’s vehicle?
  • Does coverage extend to my business vehicle?
  • Am I covered when driving on a suspended license?
  • Do I need added coverage for expensive stereo equipment?
  • Is a fancy paint job covered?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete your zip code. It’s fast, free and can help protect your family.

Information about specific coverages

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, hospital visits and X-ray expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your 3 Series resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability coverage protects against claims like loss of income, court costs, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, hitting a deer and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

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 damage to your BMW 3 Series.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Don’t be a big spender

The cheapest 2023 BMW 3 Series insurance can be purchased both online in addition to local insurance agencies, so you should compare both to have the best selection. Some insurance companies do not offer the ability to get a quote online and usually these regional insurance providers work with independent agents.

Drivers leave their current company for many reasons like delays in paying claims, high rates after DUI convictions, being labeled a high risk driver or questionable increases in premium. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the best cost, not the least amount of coverage.

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