2017 BMW 3 Series Gran Turismo Car Insurance Quotes

If online insurance comparisons are new to you, it’s easy to get confused by the vast number of insurance companies all promising to save you money.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Although drivers need to learn how companies compete online and use this information to your advantage.

Insurance rates are influenced by these factors

Lots of things are part of the equation when quoting car insurance. Some of the criteria are obvious like your driving record, although some other factors are less obvious like where you live and annual miles driven.

• Marriage reduces risk – Getting married can actually save you money on your car insurance policy. Marriage may mean you are more mature than a single person and statistics prove drivers who are married file infrequent claims.
• File a car insurance claims and pay more – Car insurance companies generally give cheaper rates to policyholders that do not abuse their auto insurance. If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
• Traffic violations cost more than a fine – Only having one chargable violation may increase your cost by as much as twenty percent. Good drivers receive lower rates as compared to careless drivers. Drivers unfortunate enough to have multiple violations such as DUI or reckless driving may find they need to complete a SR-22 with their state in order to keep their license.
• Prices may be lower depending on your vocation – Careers such as military generals, architects and emergency personnel usually pay higher average rates attributed to intense work situations and incredibly demanding work hours. On the flip side, careers like farmers, athletes and the unemployed pay lower than average rates for 3 Series Gran Turismo coverage.
• You may save more by combining policies – Some insurance companies allow better rates to clients who buy several policies from them. It’s known as a multi-policy discount. Even if you’re getting this discount you may still want to get quotes from other companies to help ensure you have the lowest rates.

Take advantage of with these discounts

Insurance is not an enjoyable expense, but you might be missing out on some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time of purchase, but once in a while a discount must be asked about before you will receive the discount.

• Early Switch Discount – Some insurance companies provide a discount for switching to them early. It can save you around 10%.
• Save with a New Car – Insuring a vehicle that is new can be considerably cheaper because new vehicles keep occupants safer.
• Paper-free Discount – Some insurance companies may give you up to $50 shop auto insurance digitally online.
• Telematics Data – Insureds who allow driving data submission to analyze driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
• Passive Restraint Discount – Factory air bags or automatic seat belts may get savings as much as 30%.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more for 3 Series Gran Turismo coverage than less cautious drivers.
• 55 and Retired – If you qualify as a senior citizen, you may qualify for a slight reduction on a auto insurance quote for 3 Series Gran Turismo coverage.
• Active Military Service – Having an actively deployed family member may lower your rates slightly.
• No Charge for an Accident – Not a discount per se, but a handful of insurance companies will let one accident slide without raising rates so long as you are claim-free for a specific time period.

As is typical with insurance, some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Companies and a selection of discounts can be found below.

• American Family has discounts for accident-free, TimeAway discount, bundled insurance, early bird, and multi-vehicle.
• Nationwide may include discounts for family plan, Farm Bureau membership, easy pay, accident-free, anti-theft, and multi-policy.
• MetLife offers premium reductions for good student, multi-policy, good driver, defensive driver, and claim-free.
• 21st Century may have discounts that include automatic seat belts, defensive driver, early bird, homeowners, air bags, driver training, and student driver.
• Farmers Insurance may offer discounts for early shopping, homeowner, business and professional, multi-car, alternative fuel, and distant student.
• Allstate includes discounts for EZ pay plan discount, good payer, eSmart discount, resident student, anti-lock brakes, multi-policy, and early signing.

Check with every company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your area. To view insurance companies that offer the discounts shown above, click this link.

Your situation helps dictate your coverage

When choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions could help you determine whether you would benefit from professional advice.

• Am I insured when driving a different vehicle?
• If my pet gets injured in an accident are they covered?
• Do I have coverage when using my vehicle for my home business?
• Is my cargo covered for damage or theft?
• Is my trailer covered?
• What is covered by UM/UIM coverage?
• When should I remove comp and collision on my 2017 BMW 3 Series Gran Turismo?
• How much liability do I need to cover my assets?
• Will I lose any money if I cancel my policy before it expires?
• Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage basics

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

Liability insurance protects you from damage that occurs to people or other property. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as pain and suffering, medical expenses, structural damage, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision coverage pays for damage to your 3 Series Gran Turismo from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, colliding with a tree, crashing into a building, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like chiropractic care, dental work and funeral costs. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your BMW 3 Series Gran Turismo.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like theft, damage from getting keyed, vandalism, fire damage and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Make a quick buck

We just showed you a lot of techniques to shop for 2017 BMW 3 Series Gran Turismo insurance online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a small mutual company.

Some companies do not offer online price quotes and usually these small, regional companies sell through independent agents. Cheap 2017 BMW 3 Series Gran Turismo insurance is attainable online as well as from independent agents, and you need to comparison shop both to have the best rate selection.

Consumers switch companies for a variety of reasons including questionable increases in premium, unfair underwriting practices, an unsatisfactory settlement offer or being labeled a high risk driver. It doesn’t matter what your reason, switching auto insurance companies is less work than it seems.

Additional auto insurance information can be read below:

• Teen Driver Licensing Information (iihs.org)
• Collision Coverage (Liberty Mutual)
• Young Drivers: The High Risk Years Video (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)