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: Nov 19, 2018

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.

Paying for overpriced BMW 3 Series insurance can bottom out your accounts and possibly require you to analyze your spending habits. Comparing price quotes is recommended to lower your bills every month.

Having so many companies and agents to choose from, it can be diffult for drivers to locate the lowest cost insurance company.

Discounts to earn cheap auto insurance rates

Some companies don’t always list every available discount very clearly, so we break down a few of the more common as well as the least known credits available to bring down your rates. If you do not double check each discount possible, you could be getting lower rates.

  • Early Renewal Discounts – Select insurance companies give a discount for switching companies before your current coverage expires. This can save 10% or more.
  • Payment Discounts – By paying your entire bill at once as opposed to paying monthly you could save 5% or more.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
  • Telematics Data – Policyholders that allow their insurance company to scrutinize their driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as they are good drivers.
  • Club Memberships – Being a member of a civic or occupational organization could trigger savings on your bill.
  • Cautious Drivers – Drivers who avoid accidents could pay up to 40% less for 3 Series coverage than drivers with accident claims.
  • Senior Citizen Discount – Drivers that qualify as senior citizens can get better auto insurance rates for 3 Series coverage.
  • Low Mileage Discounts – Keeping the miles down on your BMW can qualify you for cheaper prices.

You can save money using discounts, but some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like you can get free auto insurance, companies wouldn’t make money that way.

To view insurance companies that offer the discounts shown above, click this link.

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

secured lock Secured with SHA-256 Encryption

First Step: Get free insurance quotes

The majority of larger companies provide prices for coverage on their websites. Comparing rates online is quite simple because you just enter the amount of coverage you want as detailed in the form. Upon sending the form, their system makes automated requests for your driving record and credit report and generates a price based on these and other factors. Online price quotes helps simplify price comparisons, but the process of having to visit multiple sites and enter the same data into a form is a big time waster. But it’s absolutely necessary to have as many quotes as possible if you are searching for a better rate.

There is a better way!

A less time-consuming method to find better insurance pricing uses one form that obtains quotes from many companies. It’s a real time-saver, reduces the work, and makes online price comparison a little more enjoyable. After your information is entered, it is quoted and you are able to buy your choice of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To save time and compare pricing, click here and fill out the form. If you have your current policy handy, we recommend you copy exactly as they are listed on your policy. This ensures you will be getting a price comparison for the exact same coverage.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can help discover if you may require specific advice.

  • Am I covered when delivering products for my home-based business?
  • What is the rate difference between pleasure use and commuting?
  • Does my policy cover my teen driver if they drive my company car?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need an umbrella policy?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Information about specific coverages

Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Auto liability insurance – This coverage provides protection from damage or injury you incur to a person or their property. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as structural damage, funeral expenses, repair costs for stationary objects, bail bonds and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as dental work, prosthetic devices and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, damage from flooding and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

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

secured lock Secured with SHA-256 Encryption

A little work can save a LOT of money

Lower-priced 2008 BMW 3 Series insurance is possible both online and from local agencies, and you need to comparison shop both to get a complete price analysis. A few companies do not offer internet price quotes and usually these smaller providers only sell through independent insurance agencies.

As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

To read more, link through to the articles below: