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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 6, 2015

Advertiser Disclosure

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.

No sane person looks forward to buying insurance coverage, especially when they know they could find better rates elsewhere. Due to the fact that there are so many insurance providers from which to choose, it can be diffult for drivers to find the best company.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. Drivers only need to know the tricks to shop their coverage around online.

First Step: Get free insurance quotes

The majority of larger companies provide coverage price quotes direct online. Comparing prices online can be done by anyone as you just enter your personal and coverage information into the quote form. When the form is submitted, the quote system makes automated requests for your credit score and driving record and generates pricing information determined by many factors. Quoting online makes comparing rates easy, but the time required to go to a lot of sites and complete many quote forms gets old quite quickly. But it’s very important to perform this step if you are searching for the lowest possible prices on insurance.

The smarter way to compare rates uses one simple form to return rates from a bunch of companies at once. It saves time, reduces the work, and makes comparison shopping much more enjoyable and efficient. As soon as the form is sent, it is rated and you are able to buy any of the pricing results. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. This process just takes a couple of minutes and you will know how your current rates stack up.

In order to use this form to compare rates, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you replicate the limits and deductibles as close as possible to your current policy. Doing this assures you will get a fair comparison using the exact same coverages.

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

secured lock Secured with SHA-256 Encryption

Get affordable car insurance rates with discounts

Car insurance is neither fun to buy or cheap, but there could be significant discounts that can dramatically reduce your bill. Certain credits will be shown when you complete an application, but lesser-known reductions have to be inquired about prior to receiving the credit. If you are not receiving all the discounts you qualify for, you’re just leaving money on the table.

  • Switch and Save Discount – Select car insurance companies give a discount for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Resident Student – Children who are attending college and leave their car at home could qualify for this discount.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Policy Bundle Discount – If you can bundle your home and auto insurance with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% on medical payment and PIP coverage.
  • Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Professional Memberships – Affiliation with qualifying clubs or civic groups is a good way to get lower rates when shopping for car insurance.
  • Low Miles Discount – Low mileage vehicles could earn better premium rates on cars that stay parked.
  • Defensive Driver Discount – Successfully completing a course teaching defensive driving skills may get you a small discount if your company offers it.

As a sidenote, most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. So even though you would think all those discounts means the company will pay you, that’s just not realistic.

Auto insurance companies that may offer policyholders most of these discounts include:

When comparing rates, check with all companies you are considering the best way to save money. Savings may not apply in your area. To see insurance companies with discount car insurance rates, follow this link.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining whether or not you might need professional guidance.

  • How much liability do I need to cover my assets?
  • Am I covered when driving in Canada or Mexico?
  • What are the financial responsibility laws in my state?
  • Do I pay less if my vehicle is kept in my garage?
  • Where can I find DUI or SR-22 insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • What if I total my 2006 BMW X3 and owe more than it’s worth?
  • Do I have newly-aquired coverage?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Car insurance companies are expert advertisers

Consumers can’t ignore all the ads that promise big savings for switching by State Farm and Allstate. They all seem to try to convey promises that people will save if you change your coverage.

That’s great but how can every company offer you a better deal? You have to listen carefully.

All companies have specific characteristics for the type of customer that earns them the most money. For example, a desirable risk could be over the age of 35, has a low-risk occupation, and has excellent credit. A driver who fits those characteristics may get the lowest premium rates and will also save when switching.

Potential customers who do not meet these standards will probably be forced to pay more expensive rates and ends up with the customer buying from someone else. Company advertisements say “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. This is how insurance companies can make the claims of big savings. Different companies use different criteria so you should compare as many free insurance coverage quotes as you can. It’s just not possible to know the company that will have the best premium rates for your profile.

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

secured lock Secured with SHA-256 Encryption

Insurance coverage specifics

Knowing the specifics of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 2006 BMW X3.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses for nursing services, prosthetic devices, EMT expenses and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as court costs, repair costs for stationary objects, pain and suffering and emergency aid. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, fire damage and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

You can do this!

We just covered quite a bit of information on how to shop for 2006 BMW X3 insurance online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest premium rates are with the least-expected company. These companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

Lower-priced auto insurance is available both online and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies do not offer online price quotes and usually these small, regional companies work with local independent agencies.

Additional detailed information is available in these articles: