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: Mar 18, 2018

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Trying to find better insurance coverage rates for your BMW X3? Having to pay for overpriced insurance coverage can empty your budget and put a big crunch on your finances. Doing a price comparison is recommended to ensure you are getting the best deal.

Vehicle owners have many insurers to insure vehicles with, and although it’s a good thing to have a choice, it makes it harder to compare rates and cut insurance costs.

How to get insurance coverage price quotes

Performing a rate comparison can take time and effort if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking to insurance companies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Many companies enroll in a system that enables customers to send in one quote, and each company then gives them pricing based on that information. This saves time by eliminating form submissions to each company. To find out how much you’re overpaying now click here to open in new window.

The single downside to using this type of form is that consumers can’t choose the companies you want pricing from. If you prefer to choose specific insurance companies to receive pricing from, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

The approach you take is up to you, just make sure you use exactly the same coverage data on every price quote you get. If you compare different coverage information it’s not possible to get a fair rate comparison.

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

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Auto Insurance Discounts

Auto insurance is not cheap nor is it fun to buy but there could be significant discounts that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but some must be manually applied before they will apply.

  • Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class in school.
  • No Charge for an Accident – Not necessarily a discount, but companies like Allstate, Progressive, and GEICO permit an accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
  • Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
  • Government Employees – Having worked for a branch of the government could provide a small rate reduction for X3 coverage but check with your company.
  • Paperless Signup – A few larger online companies provide a small discount for completing your application on your computer.
  • Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Driver Safety – Successfully completing a driver safety course could earn you a small percentage discount and make you a better driver.
  • Multi-policy Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you could save 10% to 20% off each policy.

Policy discounts save money, but most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

The best auto insurance companies and the discounts they provide can be found below.

  • 21st Century offers premium reductions for anti-lock brakes, good student, 55 and older, homeowners, and defensive driver.
  • State Farm discounts include safe vehicle, multiple autos, good driver, good student, accident-free, and passive restraint.
  • AAA may offer discounts for good driver, multi-car, AAA membership discount, good student, education and occupation, anti-theft, and multi-policy.
  • Liberty Mutual may have discounts that include preferred payment discount, teen driver discount, new graduate, multi-car, hybrid vehicle, and newly retired.
  • Progressive may include discounts for homeowner, online quote discount, multi-policy, multi-vehicle, continuous coverage, and online signing.

When getting free insurance quotes, it’s a good idea to each company which discounts they offer. All car insurance discounts may not apply to policyholders in your state. To see a list of insurance companies that provide some of the discounts listed above, click this link.

Why smart consumers pay less for BMW X3 insurance

Many things are taken into consideration when pricing auto insurance. Some factors are common sense like an MVR report, but some are more obscure such as your credit history or your commute time.

  • Never let your insurance expire – Driving with no insurance can get you a ticket and any future policy may cost more because you let your insurance expire. And not only will your rates increase, being ticketed for driving with no insurance may earn you fines or a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Low mileage costs less – The higher the mileage driven in a year the more it will cost to insure it. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your vehicle rating is rated on the proper vehicle usage, because improper ratings can cost you money. An incorrectly rated X3 is throwing money out the window.
  • What are your coverage deductibles? – Physical damage insurance, aka comp and collision, is used to repair damage to your BMW. Some examples of covered claims are collision with another vehicle, damage from fire, and damage from a fallen tree branch. Physical damage deductibles represent how much money you are willing to pay if the claim is covered. The larger the amount the insured has to pay upfront, the lower your rates will be for X3 coverage.
  • Cheaper rates after marriage – Your spouse can get you a discount on your insurance bill. Having a spouse usually means you are more mature than a single person and statistics show married drivers get in fewer accidents.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Can I make deliveries for my home business?
  • Is my 2012 BMW X3 covered for smoke damage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I afford to buy a different vehicle if my 2012 BMW X3 is totaled?
  • Why do I only qualify for high-risk insurance?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

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

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Don’t listen to company ads

Drivers can’t escape the ads for cheaper insurance from companies such as State Farm, GEICO and Progressive. All the companies state the claim that drivers will save a bundle just by switching to them.

How does every insurance company charge you less for car insurance? It’s all in the wording.

All the different companies can use profiling for a prospective insured that earns them the most money. A good example of this type of risk profile could be over the age of 45, has had continuous coverage, and has a short commute. A propective insured who fits that profile may get the lowest rates as well as save some money.

Drivers who are not a match for this ideal profile must pay a higher rate with the end result being the customer buying from someone else. The wording the ads use say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That’s why companies can truthfully lure you into getting a quote. Because every company is different, you should get insurance quotes from several different companies. It’s just too difficult to predict which insurance companies will have the best car insurance rates at this point in time.

Auto insurance coverages

Understanding the coverages of a insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like funeral costs, prosthetic devices, chiropractic care, rehabilitation expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your X3 caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, colliding with a tree, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your BMW X3.

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 very important.

Liability coverages – This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like repair bills for other people’s vehicles, court costs, attorney fees, legal defense fees and medical expenses. How much coverage you buy is your choice, but consider buying as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, falling objects and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Shop around and save

We just showed you a lot of techniques to save on 2012 BMW X3 insurance. The most important thing to understand is the more you quote insurance, the better likelihood of getting cheaper insurance. Consumers could even find that the lowest priced car insurance comes from a small local company. Regional companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

Budget-conscious 2012 BMW X3 insurance can be found online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies don’t offer online quoting and these regional carriers sell through independent insurance agencies.

To learn more, take a look at the resources below: