1996 BMW 3 Series Car Insurance Quotes – 7 Tricks for Best Rates

Finding better insurance prices for a BMW 3 Series can be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are more efficient ways to find auto insurance online and we’ll show you the quickest way to get price quotes for your BMW and obtain the cheapest rates from both online companies and local agents.

You need to get comparison quotes once or twice a year due to the fact that insurance prices change regularly. Even if you think you had the lowest rates on 3 Series insurance a year ago you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to show you the quickest way to find better rates and still maintain coverage.

Pricing more affordable coverage is not that difficult. If you have insurance now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maintaining coverages. Consumers only need to know the proper methods to shop on the web.

Free insurance quotes

Effectively comparing insurance prices can take hours if you aren’t aware of the most efficient way to do it. You can waste hours talking to insurance agencies in your area, or you could use the internet to get rate comparisons in just a few minutes.

All the larger companies belong to an insurance system that allows shoppers to only type in their quote data once, and at least one company returns a competitive quote based on that information. This saves time by eliminating form submissions to every company.

To enter your information into the quoting system, click to open in new window.

One minor caviat to using this type of system is you cannot specify which insurance companies to get pricing from. So if you prefer to pick from a list of companies to compare rates, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but try to use identical coverage data with each company. If you use higher or lower deductibles you can’t possibly determine which rate is truly the best.

Auto insurance can get complicated

When buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help you determine whether you could use an agent’s help.

• Is my cargo covered for damage or theft?
• Why does it cost so much to insure a teen driver?
• Does my car insurance cover rental cars?
• When does my teenage driver need to be added to my policy?
• Where can I find high-risk insurance?
• Should I buy only the required minimum liability coverage?
• Do I have coverage for damage caused while driving under the influence?
• What is the ISO rating for a 1996 BMW 3 Series?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like ambulance fees, prosthetic devices, chiropractic care and funeral costs. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, damage from getting keyed, rock chips in glass, damage from flooding and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like funeral expenses, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your BMW 3 Series.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Auto collision coverage

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

Collision can pay for claims such as rolling your car, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.