BMW 3-Series Insurance 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: Jun 12, 2023

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Comparing auto insurance from online rate quotes saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to have every possible rate.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. Lowering your BMW 3-Series insurance cost doesn't have to be difficult. All that's required is to take a few minutes to get quotes online from several insurance companies. This can be done by comparing rates here.

Auto insurance rates for a BMW 3-Series can vary widely and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Credit rating
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Safety rating of your 3-Series
  • Claims drive up premiums
  • Having current coverage saves
  • Whether you own your home

A final factor that can impact BMW 3-Series insurance quotes is the model year. Used vehicles cost less in comparison to older models so repair costs tend to be lower which may end up costing you less. On the flip side, new 3-Series models may have a trim level with safety features like an advanced theft deterrent system, forward-collision avoidance, and a backup camera which can lower rates.

Liability insurance

damage that occurs to things like legal defense fees, bail bonds, and repair bills for other people's vehicles. .

Collision coverage

another car or object. . , . .

Comprehensive coverages

OTHER than collision with another vehicle or object. . you'll receive from a claim , .

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage . , . .

Medical expense coverage

short-term medical expenses nursing services, prosthetic devices, and dental work. . .

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