Shoppers have lots of choices when shopping for the lowest priced BMW 3 Series insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to compare rates. There are more efficient ways to shop for insurance and we’ll show you the quickest way to price shop coverage on a BMW and locate the lowest price from both online companies and local agents.
Finding cheap insurance quotes isn’t really that difficult. Just take a few minutes getting comparison quotes to find out which insurance company has affordable auto insurance quotes. Comparing prices online can be done by using one of the methods below.
The easiest and least time consuming way to find low rates is a comparison rater form click to view form in new window. This easy form prevents you from having to do separate quotation requests for each price estimate. One quote request gets rate comparisons from all major companies. This is by far the quickest method.
A more time consuming way to obtain and compare quotes online consists of going to the website of each company and go through the quote process again. For sake of this example, let’s assume you are doing a rate comparison from Progressive, Geico and GMAC. You would have to visit each site and type in your information over and over, which is not fast way to get rate quotes.
For a list of links to insurance companies in your area, click here.
If you have time to kill, the last method to find and compare rates is to drive around to different agent offices. Comparing online rate quotes reduces the need to sit down with an agent unless you have a complicated situation and need the trained advice of a licensed agent. Some companies do allow you to price shop online but purchase the actual policy in an agency.
The approach you take is up to you, just make absolute certain that you use equivalent quote data for each quote you get. If each company quotes different data it’s not possible to determine which company has the best rates.
When choosing the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique.
These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.
Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring.
Liability – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.
Liability can pay for claims such as emergency aid, repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for bills such as hospital visits, X-ray expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Collision coverage – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like scraping a guard rail, colliding with a tree, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
Comprehensive car insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like vandalism, falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
I got decent rates for a 2003 BMW 3 Series in Tulsa, Oklahoma. Ended up at about $120 every six months with American Family. Was with Farmers.
In Fort Wayne, IN, Auto-Owners had the best rates for my 2003 BMW 3 Series. Teenage drivers are expensive!
Thanks for putting this site together. Live in the western part of Portland, ME. I compared lots of rates. Saved right around $20 a month. Allstate was the best choice for me. I have a teen driver too. Not sure if rates are cheaper online or through an agent. When should I drop full coverage?
I found pretty cheap rate quotes for a 2003 BMW 3 Series in Portland, Maine. Ended up at roughly $80 every six months with AIG Insurance. I don’t have comp or collision coverage.
Nice post. I live just outside Norman, OK. Checked online prices for a 2003 BMW 3 Series. Ended up at about $80 savings annually. Went with Allstate. I dropped full coverage awhile back.
I think I’m paying too much. I’m in the east part of Great Falls, MT. Got quotes with GEICO, Auto-Owners, and Esurance for my 2003 BMW 3 Series and am saving around $100 a year. It was easy to get rates.
Cheaper not always better. From Las Cruces, NM. Don’t remember every company but I ended up saving about $20 each month. BTW speeding tickets are not good. I used their website to get prices. I only have liability coverage on it.
IT’S ALL TOO EXPENSIVE! I live on the north side of Sioux Falls, SD. Compared rates from a lot of places. Saved darn near $20 a month. GEICO was the cheapest for me. I have a couple other vehicles on the policy. Online quotes are the way to go.
Why are claims settled so low?
I live in Baton Rouge, LA. I quoted with 21st Century, Encompass, and Hanover for my 3 Series and I’m now saving $15 a month. I have kids on my policy, too. I quoted rates online then called them.
If you’re a decent driver and are close to Pittsburgh, PA, check out GEICO. They seem to be cheaper. Insured with Nationwide before. Teenage drivers are expensive! Bought it from an online quote.