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: Sep 8, 2018

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Scraping up a payment for pricey BMW 3 Series insurance can sap your family’s budget and force you to prioritize other expenses. Getting a rate comparison can be a smart way to cut your insurance bill.

Consumers have many auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, it can be more difficult to compare rates.

Consumers should take time to do rate comparisons periodically because insurance rates fluctuate regularly. If you had the lowest premium rates for 3 Series insurance two years ago you will most likely find a better price today. There is a lot of wrong information about car insurance on the web, but by reading this article, you’re going to learn some good information on how to put money back in your pocket.

The purpose of this article is to teach you how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to save some money using this strategy. But vehicle owners must understand the way insurance companies compete online because it can help you find the best coverage.

How to lower your insurance rates

Many different elements are considered when premium rates are determined. A few of the factors are predictable such as your driving history, but other criteria are not as apparent like your vehicle usage and annual miles driven.When buying auto insurance it’s important to understand some of the factors that go into determining your premiums. When you understand what influences your rates, this helps enable you to make changes that could result in lower premium levels.

  • Don’t abuse claims – If you’re an insured who likes to file claims you can pretty much guarantee higher rates. Insurance companies provide better rates to people that do not abuse their auto insurance. Your insurance policy is intended for claims that you cannot pay yourself.
  • How credit rating affects auto insurance premiums – Credit rating is a big factor in determining what you pay for auto insurance. Insureds with high credit ratings tend to be less risk to insure as compared to drivers with lower credit ratings. If your credit score is low, you could save money insuring your 2010 BMW 3 Series by taking the time to improve your credit score.
  • Employer and insurance prices – Did you know your career choice can influence rates? Careers like military personnelair traffic controllers and emergency personnel generally have the highest average rates attributed to high stress and lots of time spent at work. Conversely, occupations such as scientists, historians and the unemployed pay lower than average rates for 3 Series insurance.
  • Accidents are costly – A bad driving record has a big impact on rates. Drivers who don’t get tickets receive lower rates as compared to those with violations. Only having one speeding ticket or other violation can boost insurance rates twenty percent or more. Drivers who have serious tickets such as DUI or reckless driving may find that they have to to maintain a SR-22 with their state’s licensing department in order to legally drive a vehicle.
  • Having a spouse brings a discount – Having a wife or husband may earn you lower rates on your policy. Marriage generally demonstrates drivers are more mature than a single person and statistics show married drivers tend to have fewer serious accidents.

The best way to compare policy rates is to realize car insurance companies have advanced systems to quote your coverage. All consumers are required to do is provide the companies a bit of rating information like if the vehicle is leased, whether you are single or married, the year, make and model of vehicles, and coverage limits. Your insurance information is sent automatically to multiple different insurance companies and you will receive price estimates immediately.

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

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Ads can be misleading

Big name companies like Progressive, Allstate and GEICO seem to constantly run television and radio advertisements. All the ads tend to make the same promise about how much you will save if you switch your policy. That’s great but how can every company sell you cheaper insurance coverage? Here is the trick they use.

All companies quote their cheapest rates for the right customer that earns them a profit. One example of a desirable risk might be described as between 25 and 40, owns a home, and drives newer vehicles. Any person that matches those criteria gets the lowest premium rates and will pay quite a bit less when switching companies.

Consumers who don’t qualify for those standards will be charged a higher rate which leads to business going elsewhere. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save that much money. That’s why companies can make claims like that.

This emphasizes why you need to compare as many free auto insurance quotes as you can. It’s just not possible to know which insurance coverage company will have better prices than you’re paying now.

You may qualify for discounts

Some insurers don’t always list every possible discount in an easy-to-find place, so the following list contains some of the best known and also the lesser-known credits available to you. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • Onboard Data Collection – Drivers who elect to allow their auto insurance company to study driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
  • Distant Student Discount – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, that’s just not realistic.

To choose insurance companies that offer multiple discounts, click here.

There’s no such thing as the perfect car insurance policy

When choosing adequate coverage, there really is not a one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help you determine if you might need an agent’s assistance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I still get insurance after a DUI?
  • Am I covered if I break a side mirror?
  • Can I get a multi-policy discount?
  • Will my rates increase for filing one claim?
  • Is my 2010 BMW 3 Series covered for flood damage?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need rental car coverage?
  • Do I have coverage if my license is suspended?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

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

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Educate yourself about car insurance coverages

Learning about specific coverages of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Collision insurance

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

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance will pay to fix 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 such as a broken windshield, damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses like chiropractic care, X-ray expenses, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t 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. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as court costs, medical services, funeral expenses, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your BMW 3 Series.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Don’t break the bank

Lower-priced 2010 BMW 3 Series insurance is possible from both online companies in addition to local insurance agencies, so you need to shop auto insurance with both in order to have the best chance of saving money. Some insurance providers may not have online rate quotes and usually these regional carriers prefer to sell through independent agents.

You just read a lot of ways to shop for 2010 BMW 3 Series insurance online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding low cost auto insurance. Drivers may discover the lowest priced insurance comes from the smaller companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

As you shop your coverage around, you should never skimp on coverage in order to save money. There have been many situations where drivers have reduced liability limits or collision coverage and learned later that the savings was not a smart move. Your focus should be to find the BEST coverage at the best possible price and still be able to protect your assets.

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