Lower Your 2014 BMW X3 Car Insurance Quotes

Want the cheapest insurance coverage rates for your BMW X3? Are you drained from scraping the payment together to pay high insurance coverage rates every month? You are in the same boat as millions of other drivers. Drivers have so many insurers to choose from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare company pricing.

Shopping for the cheapest coverage is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can use these techniques to get lower rates while maximizing coverage. Consumers just need to understand the most effective way to find the lowest price over the internet.

Find cheap auto insurance with these tips

When buying auto insurance it’s important to understand the different types of things that play a part in calculating the price you pay for auto insurance. If you have some idea of what determines premiums, this empowers consumers to make smart changes that can help you get lower premium levels.

The factors shown below are most of the major factors used by companies to determine your premiums.

  • Better premiums for being claim-free – If you file claims often, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance companies provide the best rates to people who are not frequent claim filers. Your insurance policy is intended for claims that you cannot pay yourself.
  • What’s your car’s IIHS safety rating? – Cars with five star safety ratings can get you lower premiums. Vehicles engineered for safety help reduce the chance of injuries in an accident and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your BMW has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Pay more if you have a long commute – Having an address in less populated areas of the country can save you money when shopping for auto insurance. People in densly populated areas regularly have more traffic problems and longer commutes to work. Fewer people means less chance of accidents and a lower car theft rate.
  • Get hitched and get better premiums – Having a spouse may earn you lower rates compared to being single. Having a spouse is viewed as being more responsible and insurance companies reward insureds because drivers who are married file infrequent claims.

How to get free insurance coverage quotes online

Effectively comparing insurance coverage prices can be challenging if you don’t understand the best way to get rate quotes. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use the web to maximize your effort.

Many of the larger companies belong to a marketplace where prospective buyers complete one form, and each participating company then gives them pricing. This prevents consumers from doing quote forms to every company. To compare rates now click here (opens in new window).

The only downside to pricing coverage this way is you can’t choose the insurers you want to price. So if you prefer to choose specific insurance companies to compare rates, we have a page of low cost insurance coverage companies in your area. Click to view list.

Compare rates however you want, just make darn sure you compare the exact same coverage limits for every quote you compare. If you have mixed coverages you will not be able to make an equal comparison.

Get cheap insurance coverage quotes with discounts

Not too many consumers would say insurance coverage is affordable, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but occassionally some discounts must be specifically requested before they will apply.

  • Low Mileage Discounts – Low annual miles could qualify for better rates on cars that stay parked.
  • Own a Home – Just owning your own home may trigger a policy discount on insurance coverage since owning and maintaining a home shows financial diligence.
  • Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • E-sign Discounts</strong – Some of the larger companies give back up to $50 just for signing your application over the internet.
  • Service Members Pay Less – Being deployed in the military could trigger a small discount.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle is cheaper due to better safety requirements for new vehicles.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
  • Safe Drivers – Insureds without accidents can save as much as half off their rates on X3 coverage as compared to drivers with claims.
  • Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of 10% to 20% off each policy.

Don’t be shocked that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

A few of the larger companies and some of the discounts can be read below.

  • AAA offers premium reductions for anti-theft, pay-in-full, good driver, education and occupation, and multi-policy.
  • Progressive has savings for multi-vehicle, multi-policy, homeowner, continuous coverage, online quote discount, and good student.
  • State Farm policyholders can earn discounts including Drive Safe & Save, multiple autos, defensive driving training, multiple policy, good student, good driver, and Steer Clear safe driver discount.
  • Esurance offers discounts for homeowner, online shopper, renters, defensive driver, and multi-car.
  • Nationwide includes discounts for anti-theft, Farm Bureau membership, defensive driving, multi-policy, and business or organization.

It’s a good idea to ask all the companies which credits you are entitled to. Some discounts may not apply to policies in your area. To see providers with the best insurance coverage discounts, follow this link.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • Do I need special endorsements for business use of my vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I benefit by insuring my home with the same company?
  • Are my friends covered when driving my car?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when driving someone else’s vehicle?
  • Where can I get insurance after a DUI in my state?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about auto insurance coverages

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages available from auto insurance companies.

Collision insurance

This coverage covers damage to your X3 caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, rolling your car, crashing into a ditch, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your BMW X3.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hail damage, damage from getting keyed and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.


This coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, pain and suffering and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Smart shoppers get results

We just showed you some good ideas how you can get a better price on 2014 BMW X3 insurance. The key thing to remember is the more quotes you get, the higher your chance of finding cheaper auto insurance. Consumers could even find that the biggest savings come from the smaller companies. Some small companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm or Progressive.

There are still a few companies who may not offer rates over the internet and these regional carriers prefer to sell through independent agents. Lower-priced 2014 BMW X3 insurance can be purchased from both online companies and from local agencies, and you need to comparison shop both so you have a total pricing picture.

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many instances, an insured cut collision coverage only to discover later that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

Even more information can be read in the articles below:

Comments About 2014 BMW X3 Insurance

  1. Nobuko Newman

    I got a good deal I think. From east side of Minneapolis, Minnesota. Quoted with Allstate, Auto-Owners, Erie, and Hanover for my BMW and I’m now saving $23 a month. Moved home policy as well. :P

  2. Elyse Moses

    I chose to switch to GEICO from Amica. I live in Omaha, NE. BTW speeding tickets are not good. Not sure about claim service.

  3. Cliff Grimes

    Found cheapest coverage with Allstate for my 2014 BMW X3 and cut my rates about $90 a year. I have kids on my policy, too.

  4. Edmund Fulton

    Cheaper car insurance is a myth. Proud to be from Aurora, IL. Quoted prices from Allstate, Amica, and Encompass for my 2014 BMW X3 and I think I saved around $20 each month.

  5. Jon Mcmahon

    I found pretty cheap rate quotes for a 2014 BMW X3 in Bangor, ME. Ended up at darn near $180 every six months with American Family.

  6. Elmo Aguilar

    Lots of good stuff here. I live in a small town just outside of Omaha, NE. Received quotes with Progressive, Esurance, and Hartford for my X3 and saved just over $560 a year. Left MetLife to switch. Even increased coverage a bit.

  7. Twanda Johns

    Cheap is not always the best policy. From northwest of Wichita, KS. Got car insurance quotes from The General, American Family, MetLife, and a couple others for my X3 and I think I saved about $20 each month.

  8. Noble Murray

    This is too expensive. I live on the south side of Salem, OR. Received quotes with AIG Insurance, Nationwide, and a few others for my X3 and I’m now saving $39 a month.

  9. Michele Holloway

    I found affordable 2014 BMW X3 insurance from Allstate in Evansville, Indiana.