2018 BMW 3 Series Car Insurance Quotes – 9 Ideas for Cheapest Rates

There isn’t anyone who anticipates paying for auto insurance, especially when they know their premiums are too high. Since people have many options when it comes to auto insurance, it’s difficult to pick the lowest cost auto insurance company.

Shopping for affordable car insurance coverage is simple if you know the tricks. If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates while maintaining coverages. Drivers only need an understanding of the proper methods to compare prices on the web.

Don’t overlook these nine insurance discounts

Not many people think insurance is cheap, but discounts can save money and there are some available that can help lower your rates. Some discounts apply automatically when you get a quote, but some must be asked about before you get the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

• Homeowners Discount – Owning your own home or condo can save you money because of the fact that having a home is proof of financial responsibility.
• Senior Discount – If you qualify as a senior citizen, you may receive a discount up to 10% on 3 Series insurance.
• No Accidents – Claim-free drivers have much lower rates when compared with frequent claim filers.
• Fewer Miles Equal More Savings – Driving less may allow you to get discounted insurancerates on garaged vehicles.
• New Car Discount – Insuring a vehicle that is new may earn a small discount because new vehicles have to meet stringent safety requirements.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• More Vehicles More Savings – Having multiple cars or trucks with the same company qualifies for this discount.
• Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 20% or more.
• Safety Course Discount – Taking part in a course in driver safety is a good idea and can lower rates if you qualify.

Discounts save money, but please remember that most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, companies don’t profit that way. But any discount will help lower the cost of your policy.

If you would like to see a list of insurance companies who offer insurance discounts, click this link.

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Cheap insurance

Most major insurance companies give coverage price quotes on the web. Doing online quotes is easy for anyone as all you need to do is type in the coverage amounts you desire as requested by the quote form. Upon sending the form, their rating system will obtain information on your driving record and credit history and generates a price based on the data you entered. Quoting online makes it simple to compare prices but having to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it’s very important to get many rate quotes in order to get a lower rate.

Compare rates the easy way

The easiest way to find cheaper rates uses one form that gets prices from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much simpler. After sending the form, your coverage is rated and you can select your choice of the quotes returned.

If you find a better price you simply finish the application and buy the new coverage. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter the coverages identical to your current policy. This guarantees you will get rate quotes for the exact same coverage.

When to get professional advice

When it comes to choosing the best auto insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether you may require specific advice.

• How much liability do I need to cover my assets?
• Am I covered by my spouse’s policy after a separation?
• How can I find cheaper teen driver insurance?
• Is pleasure use cheaper than using my 2018 BMW 3 Series to commute?
• Does coverage extend to a rental car in a foreign country?
• Do I need PIP coverage since I have good health insurance?
• Should I buy additional glass protection?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Big brands don’t always mean big savings

Consumers can’t get away from all the ads that claim the cheapest car insurance rates by Geico, State Farm and Progressive. All the ads say the same thing that drivers can save some big amount just by moving your coverage to them.

How does each company save you money? It’s all in the wording.

All the different companies quote their cheapest rates for the type of insured that earns them a profit. An example of this type of risk profile could possibly be a female over age 40, has a low-risk occupation, and chooses high deductibles. Anybody who fits those characteristics will get a cheap rate quote and will save a lot if they switch.

Insureds who may not quite match the requirements will be quoted a more expensive rate which translates to business not being written. The ads say “drivers who switch” but not “all drivers who get quotes” save that much money. That’s the way insurance companies can confidently lure you into getting a quote.

This emphasizes why you really should compare quotes as often as possible. Because without a comparison, you cannot know with any certainty which company will have better premium rates than you’re paying now.

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Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, theft, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills such as hospital visits, ambulance fees, nursing services, EMT expenses and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability coverage

Liability coverage will cover injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical expenses, repair bills for other people’s vehicles, medical services and bail bonds. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Collision insurance

This will pay to fix damage to your 3 Series resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your BMW 3 Series.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Affordable insurance is out there

Some insurance companies may not offer online quoting and these small insurance companies only sell through independent agents. Cheaper 2018 BMW 3 Series insurance can be found from both online companies in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money.

When searching for cheap insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Even more information is located in these articles:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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