2006 BMW 3 Series Car Insurance Quotes – 5 Tips to Save
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UPDATED: Jan 25, 2018
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Drivers have options when trying to find low-cost BMW 3 Series insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to compare rates.
There is a better way to buy car insurance and you need to know the absolute fastest way to quote coverages on a BMW and get the cheapest rates from local insurance agents and online providers.
If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. The purpose of this post is to tell you how car insurance quotes work. Drivers just need to understand the most effective way to shop for auto insurance online.
How to get car insurance quotes
There are multiple methods to compare car insurance prices but there is one way that is more efficient than others. You could spend your day talking about coverages with insurance agencies in your area, or you could use online quotes to quickly compare rates.
Most of the best insurance companies take part in a program where insurance shoppers send in one quote, and at least one company can give them a price determined by their information. This system prevents you from having to do quotation requests to every company.
To submit your quote information now, click here to start a free quote.
The only downside to using this type of form is you can’t choose which carriers to get pricing from. So if you want to select specific insurance companies to compare rates, we have a listing of the cheapest car insurance companies in your area. Click to view list.
However you get your quotes, make darn sure you compare identical coverages and limits for each quote you get. If you enter unequal deductibles or liability limits it’s impossible to make a fair comparison for your BMW 3 Series.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Find discounts on insurance
Car insurance companies don’t always list all their discounts very well, so here is a list some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online. If you do not check that you are getting every discount possible, you are paying more than you should be.
- Student Discount for Driver Training – Teen drivers should enroll in driver’s education in school.
- Multi-line Discount – Larger insurance companies have a discounted insurance rate on car insurance if you buy some life insurance too.
- Military Discounts – Being deployed with a military unit could qualify you for better premium rates.
- Policy Bundle Discount – When you have multiple policies and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find the cheapest auto insurance.
- Accident Waiver – Not a discount per se, but certain companies permit an accident without the usual rate increase if your claims history is clear for a certain period of time.
You should keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.
If you would like to choose from a list of companies who offer cheap insurance quotes, follow this link.
Tailor your car insurance coverage to you
When choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.
For example, these questions may help highlight whether or not you will benefit from professional help.
- Do all my vehicles need collision coverage?
- Does coverage extend to a rental car in a foreign country?
- Is my ex-spouse still covered by my policy?
- Is borrowed equipment or tools covered if stolen or damaged?
- Exactly who is provided coverage by my policy?
- Where can I find high-risk insurance?
- Do I get a pro-rated refund if I cancel my policy early?
- How much underlying liability do I need for an umbrella policy?
- Do I have coverage when using my vehicle for my home business?
- Am I covered when driving on a suspended license?
If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Car insurance coverages for a BMW 3 Series
Understanding the coverages of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for X-ray expenses, hospital visits and funeral costs. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible
Liability coverage protects you from damages or injuries you inflict on people or other property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims such as emergency aid, legal defense fees and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.
Comprehensive car insurance
This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hail damage, damage from getting keyed, fire damage and falling objects. The highest amount a car 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.
Coverage for collisions
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like sustaining damage from a pot hole, rolling your car, scraping a guard rail, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage 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. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.