Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 6, 2015

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Getting the cheapest car insurance on the web can seem to be challenging for consumers that are not comfortable with quoting and comparing and buying car insurance on the web. With dozens of companies, how can consumers efficiently compare every company to locate better rates?

Learn how to find car insurance cheaper

Many things are considered when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although some other factors are more transparent like your vehicle usage or how financially stable you are.

  • Rates can change based on your address – Having an address in small towns and rural areas is a positive aspect when talking about car insurance. People in densly populated areas have to deal with more auto accidents and much longer commute distances. Fewer people translates into fewer accident claims and also fewer theft and vandalism claims.
  • Better premiums on cars with good safety ratings – Safer cars tend to have lower insurance rates. Vehicles built for safety reduce the chance of injuries and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you.
  • Your credit rating is important – Having a bad credit score is likely to be a major factor in determining what you pay. If your credit history could use some work, you could save money insuring your 1990 BMW 3 Series by improving your rating. Consumers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Coverage deductibles are a factor – The deductibles you choose define how much you are required to spend out-of-pocket before a claim is paid by your company. Coverage for physical damage, aka comp and collision, protects your car from damage. Some examples of claims that would be covered would be collision with another vehicle, vandalism, and having a roll-over accident. The higher the amount you choose to pay out-of-pocket, the lower your rates will be on 3 Series insurance.
  • Too many claims drive up premiums – Insurance companies provide cheaper rates to drivers who are not frequent claim filers. If you are the type of insured that files lots of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended for claims that pose a financial burden.
  • Higher rates for demanding jobs – Did you know your career choice can influence rates? Careers such as doctors, business owners and financial analysts are shown to have the highest average rates because of high stress and extremely grueling work hours. On the flip side, careers such as scientists, athletes and homemakers pay lower than average rates on 3 Series insurance.
  • Higher prices for policy lapses – Driving with no insurance can get your license suspended and car insurance companies will penalize you for letting your coverage cancel without a new policy in place. In addition to paying higher rates, getting caught without coverage could result in fines or a revoked license.

Enter your zip code below to view companies that have cheap auto insurance rates.

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How to compare insurance rate quotes

When shopping for insurance there are multiple ways to compare rate quotes from many different insurance companies. The easiest way by far to compare 1990 BMW 3 Series insurance prices is to perform an online rate comparison. This is very easy and can be done by using one of the methods below.

  1. The fastest and easiest way to get quotes would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for separate quotes for each company you want a rate for. Taking the time to complete one form compares rates from insurance companies with the best prices. It’s definitely the quickest method.
  2. A different way to get quotes online consists of visiting the website of each company to request a price quote. For example, let’s assume you are doing a rate comparison from State Farm, Progressive and Travelers. To get each rate you have to go to every website to enter your coverage information, which is why first method is reommended. For a list of companies in your area, click here.

Compare rates however you want, just make sure you use the same coverages for every company. If the quotes have different deductibles you will not be able to make an equal comparison. Slightly different limits could skew the results. And when comparison shopping, more quotes increases the change that you will find more affordable insurance.

Take policy discounts and save

Companies offering auto insurance don’t always advertise every discount very clearly, so the list below contains some of the best known as well as the least known credits available to lower your premiums when you buy insurance coverage online.

  • Accident-Free Discounts – Insureds with no claims or accidents have much lower rates compared to drivers who are more careless.
  • Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save up to 15% on the medical payments or PIP coverage costs.
  • Multi-line Discount – Some companies give a discount if you purchase some life insurance in addition to your auto policy.
  • Paperwork-free – Certain companies may give you up to $50 just for signing your application on your computer.
  • Government Employee Discount – Having worked for a branch of the government could qualify for a slight premium decrease on 3 Series insurance depending on your company.
  • Driving Data Discount – Drivers who elect to allow their insurance company to look at driving manner through the use of a telematics system like Allstate’s Drivewise might get better premium rates as long as they are good drivers.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on 3 Series insurance than less cautious drivers.
  • New Car Discount – Putting insurance coverage on a new car can get you a discount because newer models keep occupants safer.
  • Discounts for Multiple Vehicles – Insuring multiple cars with the same company can get a discount for every vehicle.
  • Passive Restraints – Factory options such as air bags can receive discounts of 20% or more.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, that’s just not realistic.

Car insurance companies that may offer some of the above discounts include:

If you need lower rates, check with each insurance company what discounts are available to you. Depending on the company, some discounts may not apply in your area. To find providers that provide some of the discounts listed above, click here to view.

Which policy gives me the best coverage?

When it comes to choosing coverage, there is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions may help highlight whether you might need professional guidance.

  • Do I need roadside assistance coverage?
  • Should I sign the liability waiver when renting a car?
  • What is PIP insurance?
  • Where can I find DUI or SR-22 insurance?
  • Is my BMW 3 Series covered if I use it for business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered if I hit a deer?
  • How can I find cheaper teen driver insurance?
  • Can I get a multi-policy discount?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specifics of your auto insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Collision insurance

Collision coverage pays for damage to your 3 Series resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, vandalism, damage from getting keyed and fire damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your BMW 3 Series.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Liability insurance

This coverage can cover injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as attorney fees, pain and suffering, emergency aid, court costs and legal defense fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as funeral costs, nursing services and rehabilitation expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Smart consumers save more

We covered many ideas to reduce 1990 BMW 3 Series insurance rates online. The key concept to understand is the more providers you compare, the better likelihood of getting cheaper insurance coverage. You may be surprised to find that the best rates are with the least-expected company.

There are still a few companies who may not provide online price quotes and usually these small insurance companies sell through independent agents. Cheap 1990 BMW 3 Series insurance is definitely available from both online companies and from local agencies, so you need to compare both so you have a total pricing picture.

When getting insurance coverage quotes online, you should never buy less coverage just to save a little money. In many cases, drivers have reduced liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best price.

More information can be found at these links: