2006 BMW 3 Series Car Insurance Quotes

Want the cheapest auto insurance rates for your BMW 3 Series? Trying to find cheaper Driversauto insurance may be hard for drivers who are beginners to online insurance quotes. You have so many agents and companies to choose from that it can be a lot of work to find more affordable prices.

How much does insurance cost?

Most major insurance companies allow consumers to get price estimates on the web. Getting online rates is fairly straightforward because you just enter your required coverages into the form. After you submit the form the company’s rating system gets your driving record and credit report and gives you a price quote based on many factors.

This makes it easy to compare insurance prices but the time it takes to visit different websites and complete many quote forms is a big time waster. But it’s absolutely necessary to get many rate quotes in order to find the best price on insurance.

A better way to lower your insurance bill uses one simple form to return rates from several companies at one time. It saves time, requires much less work on your part, and makes online shopping much more efficient. As soon as you send your information, it is rated and you are able to buy any of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To find out what other companies charge, click here to open in a new tab and enter your information. To compare your current rates, we recommend you input the coverages exactly as they are listed on your policy. Doing this guarantees you’re receiving comparison quotes using the same coverage and limits.

Car insurance rates and discounts

Auto insurance companies don’t always advertise all disounts in a way that’s easy to find, so here is a list some of the best known and also the lesser-known discounts that you can inquire about if you buy insurance coverage online.

  • Home Ownership Discount – Just owning your own home may earn you a small savings because it requires a higher level of personal finance.
  • Defensive Driver Discounts – Participating in a course in defensive driving could save 5% or more and easily pay for the cost of the class.
  • Multi-Vehicle Discounts – Drivers who insure all your vehicles with the same company could earn a price break for each car.
  • College Student Discount – Kids who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.
  • Senior Citizens – Mature drivers are able to get a small decrease in premiums for 3 Series insurance.
  • Government Employee Discount – Active or former government employment could cut as much as 10% off for 3 Series insurance with certain companies.
  • Save with a New Car – Buying a new car model can save up to 30% compared to insuring an older model.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will lower your policy premium.

If you would like to view insurers that offer the discounts shown above, click here to view.

Situations that may require an agent’s advice

When buying the best insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if you may require specific advice.

  • How much liability insurance is required?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I rent a car in Mexico?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I make deliveries for my home business?
  • Exactly who is provided coverage by my policy?
  • Am I better off with higher deductibles on my 2006 BMW 3 Series?
  • Is my teenager covered with friends in the car?
  • Why do I need rental car insurance?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

What auto insurance coverages do you need?

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability coverage

This coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like funeral expenses, emergency aid, legal defense fees, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for chiropractic care, funeral costs and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance covers damage to your 3 Series resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, backing into a parked car, scraping a guard rail, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your BMW 3 Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, hail damage, falling objects and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Comments About 2006 BMW 3 Series Insurance

  1. Clint Guy

    Anyone know if State Farm does SR-22s?

  2. Diedre Giles

    Checking in from Anchorage, AK. Got car insurance rates from Amica, Mercury, and USAA for my BMW and I think I saved around $30 each month.

  3. Henriette Kent

    If you’re a decent driver and live near Virginia Beach, VA, check out GEICO. You might get cheaper rates. Thankfully I’m not a high risk driver. God forbid I actually have a claim.

  4. Tanja Castaneda

    From northwest of Juneau, Alaska. Quoted prices from Hartford, Amica, MetLife, and a couple others for my 2006 BMW 3 Series and I think I cut my rates about $40 each month. It’s easy to compare rates online now.

  5. Mafalda Hudson

    Here’s my info. From northwest of Gaithersburg, Maryland. Got free quotes online for a 2006 BMW 3 Series. Ended up at about $180 savings annually. Went with State Farm. Hardly afford to drive anymore.

  6. Jude Sims

    Corporate greed I’m telling you. From a town just southwest of Miami, Florida. Received quotes with American Family, Eastwood, and MetLife for my 2006 BMW 3 Series and saved just over $390 a year. Was with Encompass.

  7. Beatrice Griffin

    Progressive is decent in Philadelphia, PA.