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 5, 2017

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Looking for lower auto insurance rates? Shoppers have options when shopping for low-cost BMW Z3 insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to get rate quotes. There is a right way and a wrong way to shop for auto insurance and we’ll show you the proper way to compare rates for a BMW and get the lowest price.

If you have insurance now or are just looking to switch companies, you can use these techniques to cut your premiums while maintaining coverages. This information will tell you the best way to quote coverages. Consumers only need an understanding of the tricks to get comparison quotes over the internet.

The quickest way to compare car insurance company rates utilizes the fact all the major auto insurance companies participate in a system to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information like how you use your vehicles, if your license is active, driver details, and how much school you completed. Your information gets transmitted to multiple top-rated companies and you will get price comparisons with very little delay.

To start a rate quote now, click here and complete the quick form.

Will you really save $396 on insurance?

Drivers can’t avoid all the ads that claim the best rates from the likes of Allstate, GEICO and Progressive. They all seem to state the claim about saving some big amount if you change your policy.

But how can every company make the same claim? You have to listen carefully.

All the different companies have underwriting criteria for a prospective insured that earns them the highest profit. One example of this type of driver may be over age 30, has other policies, and has a high credit rating. Anybody that matches those criteria gets the lowest car insurance rates and will also pay quite a bit less when switching companies.

Potential customers who don’t qualify for this ideal profile may be forced to pay higher rates with the end result being the customer not purchasing. Company advertisements say “customers that switch” but not “everyone who gets a quote” can save as much as they claim. This is how companies can truthfully make the claims of big savings. That is why it is so important to do a price quote comparison at every renewal. Because you cannot predict the company that will give you lower rates than your current company.

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

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More affordable rates with these ten discounts

Insurance is not cheap nor is it fun to buy but you might find some hidden discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you quote, but a few must be specifically requested prior to getting the savings.

  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Auto/Home Discount – If you can bundle your auto and home insurance with one insurance company you may save over 10 percent off each policy depending on the company.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Z3 insurance than drivers with accident claims.
  • Accident Forgiveness Coverage – Not really a discount, but some insurance companies may permit one accident before raising your premiums if your claims history is clear before the accident.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • College Student – Any of your kids who are attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Online Discount – Certain insurance companies will give you a small discount just for signing your application over the internet.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the PIP or medical payment premium.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally until age 25.

Remember that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, you won’t be that lucky. But all discounts should definitely cut your premiums.

If you would like to see a list of insurers offering insurance discounts, click here to view.

Insurance can be complex

When it comes to choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • How can I force my company to pay a claim?
  • Do all my vehicles need collision coverage?
  • Do I pay less for low miles?
  • What is covered by UM/UIM coverage?
  • Is business property covered if stolen from my car?
  • What is roadside assistance coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Insurance coverages explained

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as repair costs for stationary objects, loss of income, medical services and court costs. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your Z3 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1998 BMW Z3.

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

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, damage from getting keyed and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like nursing services, ambulance fees, hospital visits and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. PIP 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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Keep this in mind

Discount 1998 BMW Z3 insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies may not provide online quoting and these regional carriers sell through independent agents.

People leave their current company for a number of reasons such as not issuing a premium refund, policy non-renewal, questionable increases in premium and even denial of a claim. Regardless of your reason for switching companies, switching companies can be pretty painless.

When shopping online for auto insurance, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at the best cost, not the least amount of coverage.

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