1999 BMW 3 Series Insurance Quotes

Comparing insurance quotes online may appear to be difficult at first if you are one of the millions of people new to quote comparisons online. But relax because comparing quotes is actually very simple.

If you currently have car insurance, you should be able to cut costs considerably using these methods. Pricing the cheapest protection is quite easy. Nevertheless, vehicle owners do need to learn the methods companies use to determine prices because it can help you find the best coverage.

Ways to get insurance rate quotes

The majority of larger companies like Allstate and Progressive allow consumers to get coverage price quotes direct online. The process doesn’t take a lot of time as you just enter your personal and coverage information into the form. After the form is submitted, their system obtains your driving and credit reports and returns a price quote.

Online price estimates makes it a lot easier to compare rates but the time required to go to several different sites and enter the same data into a form is repetitive and time-consuming. But it’s necessary to compare as many rates as possible if you want to find the lowest possible prices on insurance.

Quote rates the easy way

A better way to locate the lowest prices makes use of a single form that obtains quotes from a lot of companies. This type of form saves time, requires much less work on your part, and makes online quotes a little more enjoyable. After sending your information, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If you find a better price you can simply submit the application and purchase the new policy. The entire process only takes a few minutes and you’ll know if lower rates are available.

To quickly find out what other companies charge, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended that you enter just like they are on your policy. This helps ensure you will have an apples-to-apples comparison based on similar coverages.

Reduce your insurance rates with these five discounts

Insuring your fleet can be pricey, but you can get discounts that many consumers don’t even know exist. Some of these disounts will be visible when you purchase, but lesser-known reductions have to be asked about in order for you to get them.

Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
Multi-line Discount – Some insurance companies give a break if you buy a life insurance policy as well.
First Accident Forgiveness – This one is not really a discount per se, but some companies like Allstate and Progressive allow you one accident before raising your premiums so long as you are claim-free before the accident.
Pay Early and Save – By paying your policy upfront instead of monthly or quarterly installments you may have a lower total premium amount.
Telematics Discount – Policyholders that allow their company to analyze driving manner by using a telematic data system such as Progressive’s Snapshot may get a rate reduction if they are good drivers.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, insurance companies aren’t that generous.

Large insurance companies and some of the discounts are outlined below.

State Farm includes discounts for multiple autos, multiple policy, Drive Safe & Save, good student, defensive driving training, safe vehicle, and driver’s education.
Progressive offers premium reductions for online signing, continuous coverage, multi-vehicle, good student, and multi-policy.
Travelers may offer discounts for continuous insurance, hybrid/electric vehicle, multi-policy, new car, early quote, and IntelliDrive.
American Family offers discounts including good student, good driver, early bird, defensive driver, mySafetyValet, and Steer into Savings.
Liberty Mutual discounts include multi-policy, safety features, new move discount, new graduate, good student, and preferred payment discount.

Before you buy a policy, ask each company which discounts you qualify for. Some discounts listed above might not be offered everywhere. If you would like to choose from a list of insurance companies who offer online insurance quotes, click here to view.

You are unique and your insurance should be too

When buying the best insurance coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions might help in determining whether you may require specific advice.

How much liability coverage do I need in my state?
Can I make deliveries for my home business?
Do I need replacement cost coverage on my 1999 BMW 3 Series?
What if I total my 1999 BMW 3 Series and owe more than it’s worth?
Which companies will insure high-risk drivers?
Am I covered if hit by an uninsured driver?
What is no-fault insurance?
Do I need motorclub coverage?
What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance companies are expert advertisers

Big name companies like Allstate and Progressive consistently run television, radio, and online ads. All the companies advertise the message that you’ll save big if you just switch your coverage to them. That’s great but how can every company cost less than your current company? This is the way they can do it.

Insurance providers quote the lowest rates for the type of driver that earns them a profit. For instance, a profitable insured should be between the ages of 30 and 50, has a clean driving record, and drives newer vehicles. Someone that matches those criteria will get the preferred premium rates and most likely will cut their rates substantially.

Drivers who do not meet those criteria will get a more expensive rate which usually ends up with the customer not buying. The trick is to say “customers who switch” not “everybody who quotes” will save that much if they switch. That is how companies can truthfully claim big savings.

Because of these techniques, you absolutely need to compare rate quotes every year. It’s not possible to predict which car insurance company will give you the biggest savings.

Insurance coverage specifics

Understanding the coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Liability auto insurance – This coverage will cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, legal defense fees, loss of income and structural damage. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for expenses for things like ambulance fees, chiropractic care and nursing services. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your BMW 3 Series.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from a tornado or hurricane, fire damage, damage from getting keyed and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Summing up your auto insurance search

Cheaper auto insurance can be sourced on the web and from local insurance agents, so you need to quote insurance with both to get a complete price analysis. Some companies may not offer internet price quotes and most of the time these small insurance companies only sell through independent agents.

As you quote insurance, you should never buy less coverage just to save a little money. There have been many cases where someone dropped physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal is to buy enough coverage at the best price while still protecting your assets.

Drivers change insurance companies for many reasons like policy non-renewal, high rates after DUI convictions, not issuing a premium refund and an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is easier than you think.

1999 BMW 3 Series Insurance Quotes – 5 Ways to Save