Compare 1997 BMW 3 Series Insurance Rates

Shoppers have lots of choices when shopping for affordable BMW 3 Series insurance. You can either spend your time contacting agents to compare prices or save time using the internet to make rate comparisons.

There are both good and bad ways to shop for insurance and we’ll show you the quickest way to quote coverages for a new or used BMW and locate the lowest possible price either online or from local insurance agents.

It’s a great practice to check insurance prices quite often because insurance prices trend upward over time. Despite the fact that you may have had the lowest quotes on 3 Series coverage on your last policy you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because we’re going to show you the fastest way to save on insurance.

If you have insurance now or are looking for a new policy, you will benefit by learning to cut your premiums while maintaining coverages. This article will let you in on how to get online quotes and some tips to save money. Drivers only need to know the most efficient way to shop online.

Do you qualify for discount car insurance?

Car insurance is neither fun to buy or cheap, but you can get discounts that could help you make your next renewal payment. Certain discounts will be applied at the time of quoting, but some may not be applied and must be asked about prior to getting the savings. If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.

• Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you may reduce your total bill.
• Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings as much as 30%.
• Good Students Pay Less – Excelling in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
• ABS Braking Discount – Cars with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
• Multiple Vehicles – Buying insurance for primary and secondary vehicles with the same car insurance company may reduce the rate for each vehicle.
• Federal Employees – Employees or retirees of the government could cut as much as 10% off on 3 Series coverage with select insurance companies.
• Policy Bundle Discount – If you can bundle your auto and home insurance with one insurance company you will save up to 20% and get you cheaper insurance coverage.
• Resident Student – Kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
• Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount because newer models keep occupants safer.

Please keep in mind that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, it just doesn’t work that way. But all discounts should definitely cut the amount you have to pay.

Companies and a partial list of their discounts are:

• AAA has savings for good driver, anti-theft, education and occupation, multi-car, and good student.
• Progressive offers discounts for online signing, multi-vehicle, continuous coverage, good student, multi-policy, and homeowner.
• State Farm offers premium reductions for accident-free, anti-theft, Steer Clear safe driver discount, multiple policy, student away at school, and driver’s education.
• Esurance policyholders can earn discounts including multi-car, Switch & Save, safety device, online shopper, good student, and online quote.
• Nationwide may have discounts that include accident-free, easy pay, business or organization, family plan, multi-policy, and good student.

If you need lower rates, check with all companies you are considering which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in your area. To choose insurers who offer online car insurance quotes, click this link.

How to buy auto insurance online

Most major insurance companies such as State Farm, Geico and Progressive allow you to get prices for coverage on the web. Comparing prices online is fairly straightforward because it’s just a matter of typing in your coverage information into the quote form. After you complete the form, their rating system sends out for your credit score and driving record and returns a price quote.

Online price estimates makes comparing rates easy, but the work required to visit a lot of sites and type in your information is repetitive and time-consuming. But it’s very important to compare as many rates as possible if you want to find the best price possible.

A less time-consuming method to locate the lowest prices requires only one form that analyzes rates from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes online shopping much more enjoyable and efficient. After your information is entered, it gets priced with multiple companies and you can pick any or none of the pricing results.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and may result in a nice savings.

To compare rates now, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you replicate deductibles and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will receive a fair comparison for similar coverage.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Do I have coverage for damage caused while driving under the influence?
• Why am I required to buy high-risk coverage?
• Why do I need rental car insurance?
• Can I still get insurance after a DUI?
• What is the rate difference between pleasure use and commuting?
• Is my state a no-fault state?
• How can I get high-risk coverage after a DUI?
• What is roadside assistance coverage?
• Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Car insurance coverage options for a BMW 3 Series

Having a good grasp of car insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages – This covers 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 protects against claims like fire damage, rock chips in glass, theft, a broken windshield and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your BMW 3 Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for things like hospital visits, ambulance fees, chiropractic care and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability insurance – This coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles, medical services, medical expenses and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

More effort can pay off

People leave their current company for many reasons like policy non-renewal, poor customer service, policy cancellation and even being labeled a high risk driver. Whatever your reason, choosing a new insurance company is not as hard as you think.

The cheapest 1997 BMW 3 Series insurance can be found on the web and from local insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not offer rates over the internet and most of the time these small, regional companies prefer to sell through independent agents.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced full coverage only to find out they didn’t purchase enough coverage. Your objective should be to buy enough coverage at the best price, but do not skimp to save money.

More tips and info about car insurance is available in these articles:

• Collision Coverage (Liberty Mutual)
• Young Drivers: The High Risk Years Video (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Collision Insurance Coverage (Nationwide)
• Choosing a Car for Your Teen (State Farm)
• Auto Insurance FAQ (Farmers Insurance)