2016 BMW 3 Series Gran Turismo Insurance Rates – 5 Tips to Save

Finding the cheapest insurance for a new or used BMW 3 Series Gran Turismo could be an all-consuming task, but you can learn our insurance coverage buying tips to save time.

There are both good and bad ways to compare insurance coverage rates and we’ll show you the absolute fastest way to price shop coverage for your BMW and locate the best price possible either online or from local insurance agents.

It’s important to get comparison quotes on a regular basis because insurance coverage rates are rarely the same from one policy term to another. Despite the fact that you may have had the best premium rates on 3 Series Gran Turismo insurance on your last policy a different company probably has better prices today. There is a lot of wrong information about insurance coverage online but we’re going to give you some of the best techniques to lower your insurance coverage rates.

If you have insurance now or are shopping for new coverage, you can use these tips to reduce the price you pay while maintaining coverages. Buying more affordable coverage is not that difficult. Drivers just need to learn the proper methods to get comparison rates on the web.

Do you qualify for discount auto insurance?

Car insurance companies do not list every disount available in a way that’s easy to find, so the below list has both the well known as well as the least known credits available to you. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Club Memberships – Being a member of qualifying employment or professional organizations could trigger savings when getting a insurance quote.
  • Accident Forgiveness Coverage – Not really a discount, but companies like Libery Mutual, GEICO and Allstate will let one accident slide before your rates go up so long as you are claim-free prior to the accident.
  • Homeowners Discount – Owning your own home or condo can earn you a little savings since home ownership requires a higher level of personal finance.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
  • Resident Student – Youth drivers living away from home attending college and don’t have a car can be insured at a reduced rate.

Please keep in mind that most discounts do not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic. But any discount will definitely lower your policy premium.

A list of companies and their possible discounts are included below.

  • 21st Century offers discounts for teen driver, air bags, defensive driver, early bird, and 55 and older.
  • Progressive discounts include continuous coverage, online signing, good student, multi-policy, homeowner, and multi-vehicle.
  • State Farm may have discounts that include accident-free, defensive driving training, anti-theft, student away at school, and good student.
  • Nationwide may offer discounts for family plan, good student, business or organization, anti-theft, accident-free, easy pay, and multi-policy.
  • Esurance offers discounts including DriveSense, renters, Switch & Save, online shopper, and paid-in-full.
  • The Hartford policyholders can earn discounts including defensive driver, anti-theft, vehicle fuel type, air bag, bundle, driver training, and good student.

It’s a good idea to ask each company or agent how many discounts you can get. Savings may not apply in your area. To see a list of insurance companies who offer auto insurance discounts, follow this link.

The most recommended method to compare car insurance company rates is to understand most larger insurance companies pay for the opportunity to give you rate quotes. To get started, all you need to do is give the companies some data including which vehicles you own, distance driven, driver details, and if you are currently licensed. Your insurance information gets sent immediately to many highly-rated insurers and you receive quotes immediately.

To compare multiple company rates now, click here then complete the form.

What insurance coverages do I need?

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if you might need professional guidance.

  • Which companies will insure high-risk drivers?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving on a suspended license?
  • Am I covered when delivering products for my home-based business?
  • Am I covered when driving someone else’s vehicle?
  • Is motorclub coverage worth it?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Learn about insurance coverages for a BMW 3 Series Gran Turismo

Knowing the specifics of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hitting a bird, hitting a deer and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

Liability 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. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like structural damage, bail bonds, legal defense fees and loss of income. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your BMW 3 Series Gran Turismo.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Coverage for collisions

This pays for damage to your 3 Series Gran Turismo caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like nursing services, hospital visits and dental work. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t break the bank

People who switch companies do it for any number of reasons including high rates after DUI convictions, not issuing a premium refund, being labeled a high risk driver and questionable increases in premium. No matter why you want to switch, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

We just covered a lot of ways to reduce 2016 BMW 3 Series Gran Turismo insurance car insurance rates online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the biggest savings come from a lesser-known regional company.

Some companies may not offer online rate quotes and these small insurance companies only sell coverage through independent agents. Lower-priced auto insurance is definitely available online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money.

Much more information about auto insurance can be read at the links below

Comments About 2016 BMW 3 Series Gran Turismo Insurance

  1. Winter Pope

    I’m in Jackson, MS. Quoted rates from GEICO, Auto-Owners, Encompass, and Hanover for my 3 Series Gran Turismo and I’m now saving $42 a month. Moved home policy as well. Did it all online.

  2. Jane Wilder

    If you have a good history and are close to Lewiston, ME, check out 21st Century. You might get cheaper rates. Are quotes cheaper online?

  3. Shavon Santos

    Corporate greed I’m telling you. I’m in the east part of Oklahoma City, Oklahoma. Got rates from State Farm, GMAC, and Erie for my 3 Series Gran Turismo and I think I saved around $30 each month. Was with Amica.

  4. Arlean Noble

    I live in Fargo, ND, and Progressive rates were best. Left AIG Insurance to switch. Just go online and compare their rates.

  5. Kaleigh Valenzuela

    I’m in the suburbs of Gulfport, Mississippi. I quoted with AIG Insurance, Eastwood, and Nationwide for my 3 Series Gran Turismo and I think I am saving around $20 each month. It’s still not cheap enough.

  6. Mazie Ross

    IT’S ALL TOO EXPENSIVE! From a town just southwest of Cedar Rapids, IA. I got free prices from Hanover, Amica, Nationwide, and a couple others for my 3 Series Gran Turismo and I’m now saving $21 a month.

  7. Verdie Stone

    Just my two cents. Quoted with AAA for my 3 Series Gran Turismo and am saving around $540 a year. BTW speeding tickets are not good.

  8. Yvonne Dillon

    Found cheapest coverage with Amica for my BMW and saved around $220 a year. My new agent seems to be really good. You can get a rate quote online.

  9. Florentino Carr

    I live north of Columbia, SC. Checked online prices for a 2016 BMW 3 Series Gran Turismo. Ended up at about $390 savings annually. Went with 21st Century. Was with Hanover. I increased coverages a little too. I recommend comparing lots of rates.

  10. Nannie Merrill

    In Missoula, Montana, Progressive is a good choice. Have an at-fault accident tho.

  11. Thea Albert

    I’m just north of Concord, New Hampshire. Compared rates from a lot of places. Saved about $40 a month. 21st Century was the most affordable for me. Switched homeowners coverage too.

  12. Elise Hurley

    Any claims experience with GEICO in Columbus, OH?

  13. Leana Johns

    Located in Warwick, Rhode Island. Went online for free insurance quotes for a 2016 BMW 3 Series Gran Turismo. Ended up at about $470 savings annually. Went with Progressive. Switched homeowners coverage too. It’s still not cheap enough.

  14. Lindy Hays

    I’m in the south part of Norman, Oklahoma. Not sure of all the companies but I ended up saving about $40 each month. Was with Farmers. Good multi-policy discounts. Are quotes cheaper online?

  15. Travis Snider

    From east side of Memphis, TN. Received rates from Amica, Safeco, and some smaller one I can’t remember the name of for my 3 Series Gran Turismo and I’m now saving $50 a month. Moved home policy as well. I recommend comparing lots of rates.