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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Trying to find better auto insurance rates? Buyers have many options when searching for low-cost BMW 3 Series insurance. They can either waste time struggling with agents to compare prices or utilize the internet to get rate quotes.

There are more efficient ways to shop for auto insurance so we’re going to tell you the best way to get price quotes for a BMW and obtain the best price possible from both online companies and local agents.

If you have a current insurance coverage policy or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. This article will introduce you to how to effectively get price quotes and some money-saving tips. Consumers just need to understand the proper way to get comparison rates online.

Take advantage of every insurance coverage discount

Some insurers don’t list the complete list of policy discounts very well, so the list below gives a summary of both the well known and the harder-to-find credits that may apply to you.

  • Active Military Service – Being deployed with a military unit could be rewarded with lower insurance coverage rates.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and can earn a small discount on your policy.
  • Discount for Low Mileage – Maintaining low annual mileage could qualify for substantially lower insurance coveragerates.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
  • Telematics Data Discounts – Insureds that choose to allow driving data collection to monitor when and where they use their vehicle by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.
  • Accident-Free Discounts – Drivers who stay claim-free can earn big discounts in comparison with insureds who have frequent claims or accidents.
  • Defensive Driver Discount – Taking part in a course teaching defensive driver skills could save 5% or more and easily pay for the cost of the class.
  • Pay Upfront and Save – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.

Policy discounts save money, but most credits do not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and a summarized list of policyholder discounts are:

  • State Farm has savings for safe vehicle, student away at school, multiple autos, Drive Safe & Save, good driver, defensive driving training, and accident-free.
  • Nationwide has discounts for Farm Bureau membership, easy pay, multi-policy, defensive driving, good student, anti-theft, and accident-free.
  • GEICO may have discounts that include air bags, military active duty, multi-policy, multi-vehicle, seat belt use, emergency military deployment, and daytime running lights.
  • AAA discounts include multi-policy, education and occupation, good student, multi-car, AAA membership discount, and good driver.
  • 21st Century may include discounts for early bird, 55 and older, defensive driver, student driver, theft prevention, and teen driver.
  • The Hartford includes discounts for defensive driver, bundle, vehicle fuel type, good student, and driver training.

When getting a coverage quote, ask each insurance company to give you their best rates. Some credits might not be offered in your area. To see a list of insurance companies that offer discounts, click this link.

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

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How to get car insurance quotes

All the larger car insurance companies allow consumers to get pricing on their websites. Getting quotes doesn’t take a lot of time because you just enter into the quote form. When complete, their quoting system obtains your credit score and driving record and provides a quote based on these factors.

Online price quotes helps simplify price comparisons, but the work required to visit several different sites and type in your information is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes if you are searching for lower prices.

The easiest way to compare car insurance pricing is to use a quote form that gets prices from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes price shopping online much more enjoyable. As soon as you send your information, it is rated with multiple companies and you can pick your choice of the pricing results.

If you find a better price you can simply submit the application and purchase the new policy. It takes less than 15 minutes and you will know how your current rates stack up.

To find out how much you can save on car insurance, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended that you enter the coverage information exactly as they are listed on your policy. This makes sure you will receive a rate comparison based on the exact same insurance coverage.

How to know if you need help

When buying adequate coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • At what point should I drop full coverage?
  • Am I covered if hit by an uninsured driver?
  • When should I drop full coverage on my 1995 BMW 3 Series?
  • How does medical payments coverage work?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when driving someone else’s vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • Why does it cost so much to insure a teen driver?
  • When should I not file a claim?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage – Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, pain and suffering, repair bills for other people’s vehicles, bail bonds and structural damage. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 1995 BMW 3 Series.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Comprehensive coverages – 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 and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – This pays for damage to your 3 Series resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for ambulance fees, doctor visits and hospital visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

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

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Find Good Coverage for Less

When searching for inexpensive car insurance quotes, never buy poor coverage just to save money. There are too many instances where an insured cut full coverage only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Cheaper 1995 BMW 3 Series insurance can be bought on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not offer online rate quotes and usually these smaller companies provide coverage only through independent agencies.

You just read many ways to shop for 1995 BMW 3 Series insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your prices. Consumers may even find the lowest premium rates come from a small local company.

More tips and info about car insurance can be read by following these links: