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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Consumers have many options when looking for the lowest priced BMW X3 insurance. You can either spend your time driving around to compare prices or utilize the internet to get rate quotes.

There are both good and bad ways to find auto insurance online so you’re going to learn the absolute fastest way to get price quotes for a BMW and obtain the lowest possible price either online or from local insurance agents.

How to shop insurance online

Reducing your 2009 BMW X3 insurance rates is a great way to save money. All you need to do is take a couple of minutes to compare rate quotes to see which company has inexpensive insurance coverage quotes. This can be accomplished by following the guidelines below.

  • One of the fastest ways to get quotes would be an industry-wide quote request form (click to open form in new window). This quick form saves time by eliminating repetitive form submissions for each company. Taking the time to complete one form gets rate comparisons from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A less efficient way to find more affordable insurance is to manually visit each company website and request a quote. For example, let’s say you want to compare prices for USAA, GEICO and Allstate. In order to compare rates, you need to go to every website and enter your policy data, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.
  • The least efficient and most time consuming way to quote and compare insurance rates is driving around to local insurance agencies. The ability to buy insurance online makes this unnecessary unless you prefer the peace of mind of a local agency. Drivers can price shop online but purchase the actual policy in an agency.

The approach you take is up to you, just do your best to use exactly the same coverages and limits on every quote. If the quotes have different coverage information it will be impossible to get a fair rate comparison.

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

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Do drivers who switch really save $465 a year?

Drivers constantly see and hear ads that claim the cheapest rates by companies like State Farm, GEICO and Progressive. All the companies make the same claim that drivers can save some big amount if you change your policy.

How is it plausible that every one can charge less that you’re paying now? It’s all in how they say it.

Many companies have a preferred profile for the type of driver that is profitable for them. A good example of a preferred risk might be described as over the age of 40, carries high limits, and does not commute to work. Anybody that matches those criteria will get the preferred auto insurance rates and have a good chance to cut their rates if they switch.

Insureds who don’t qualify for the ideal profile will be quoted higher prices and this results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save that much. This is how insurance companies can lure you into getting a quote.

Because every company is different, it’s extremely important to compare quotes as often as possible. Because you cannot predict which insurance companies will be your best fit.

Car insurance discounts are available to cut your rates

Not many people think insurance is cheap, but discounts can save money and there are some available that could help you make your next renewal payment. Most are applied at the time of purchase, but some must be requested specifically before they will apply. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Low Mileage Discounts – Driving fewer miles could qualify for cheaper car insurancerates.
  • Own a Home – Owning a house may earn you a small savings since home ownership is proof of financial responsibility.
  • Save with More Vehicles Insured – Buying insurance for multiple cars with the same company can get a discount for every vehicle.
  • Multiple Policy Discount – If you can combine your auto and home policy and insure them both with the same insurance company you may earn nearly 15% which can help you find inexpensive insurance coverage.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better car insurancerates if you take out a life policy as well.
  • Defensive Driving Course – Passing a class that teaches driver safety techniques could save 5% or more depending on where you live.

You should keep in mind that some credits don’t apply to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride.

To see a list of car insurance companies that can offer you the previously mentioned discounts, follow this link.

Everyone needs different car insurance coverages

When choosing the best car insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

  • Am I covered if I wreck a rental car?
  • Do I need more liability coverage?
  • Does my insurance cover a custom paint job?
  • Is upholstery damage covered by car insurance?
  • What is the minimum liability in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Why do I only qualify for high-risk insurance?
  • What is covered by UM/UIM coverage?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

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

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Car insurance coverage considerations

Having a good grasp of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as prosthetic devices, chiropractic care, doctor visits, ambulance fees and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – This will cover injuries or damage you cause to a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, court costs and medical services. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Comprehensive car insurance – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like fire damage, a broken windshield, a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your BMW X3.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – Collision coverage will pay to fix damage to your X3 caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as backing into a parked car, sustaining damage from a pot hole, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Be a money saver!

A few companies don’t offer rate quotes online small insurance companies only sell coverage through independent insurance agencies. More affordable car insurance is possible both online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates.

As you quote insurance coverage, you should never skimp on coverage in order to save money. Too many times, an insured cut full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.

In this article, we covered a lot of techniques to reduce 2009 BMW X3 insurance auto insurance rates online. The most important thing to understand is the more you quote insurance coverage, the better your chances of lowering your premium rates. You may be surprised to find that the lowest priced car insurance comes from an unexpected company.

Much more information about car insurance can be found below: