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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Drivers have lots of choices when trying to find affordable BMW 3 Series insurance. You can either waste hours driving around getting price quotes or save time using the internet to compare rates. There is a right way and a wrong way to buy auto insurance and you need to know the absolute fastest way to get price quotes on a BMW and locate the cheapest rates.

Finding the best rates is not that difficult. If you have car insurance now, you should be able to cut costs considerably using these techniques. Consumers just need to learn how to compare company rates online.

Finding insurance coverage

The majority of larger companies provide coverage price quotes directly from their websites. Getting online quotes can be done by anyone because it’s just a matter of typing in the coverages you want into the quote form. Once entered, their quoting system will order your driving record and credit report and quotes a price based on the data you entered.

Online quotes streamlines rate comparisons, but the work required to visit several different sites and type in your information is repetitive and time-consuming. But it’s absolutely necessary to do this if you want to get the best price possible.

The preferred way to find better insurance coverage pricing is to use a quote form to get prices from a lot of companies. It’s a real time-saver, reduces the work, and makes price shopping online much more enjoyable and efficient. After sending your information, it gets priced and you are able to buy any of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the policy. It can be completed in a matter of minutes and could lower your rates considerably.

To compare pricing, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you input the coverages identical to your current policy. This makes sure you’re receiving a rate comparison for the exact same coverage.

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

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Four tips to get cheaper insurance rates

Lots of factors are part of the equation when you get a price on insurance. Some are obvious such as your driving history, but other criteria are more transparent like where you live and annual miles driven.

The factors shown below are a few of the things used by your company to calculate your prices.

  • Cautious drivers pay less – Your driving citation history impacts your car insurance rates tremendously. Good drivers pay lower auto insurance prices than bad drivers. Only having one citation may cause rates to rise twenty percent or more. People who have flagrant violations like DUI, reckless driving or excessive speeding may be required to complete a SR-22 with their state in order to prevent a license revocation.
  • Marriage can lower prices – Being married may save some money when buying car insurance. Marriage may mean you are more mature and responsible and statistics prove drivers who are married are more cautious.
  • Prices may be lower depending on your job – Did you know your career choice can influence rates? Occupations such as real estate brokers, architects and miners tend to have higher rates than average attributed to intense work situations and extremely grueling work hours. On the flip side, occupations like scientists, athletes and the unemployed pay lower than average rates for 3 Series insurance.
  • An active car insurance claims history can cost you more – Auto insurance companies give the best rates to drivers who only file infrequent claims. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended for larger claims.

Take policy discounts and save

Some insurance providers don’t always advertise every available discount very clearly, so here is a list both the well known and also the more inconspicuous credits available to bring down your rates.

  • Life Insurance – Select companies reward you with a lower premium rate if you buy life insurance.
  • Multiple Vehicles – Drivers who insure multiple cars on a single policy may reduce the rate for each vehicle.
  • Multi-policy Discount – When you combine your home and auto insurance and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.
  • No Claim Discounts – Good drivers with no accidents have much lower rates when compared to frequent claim filers.
  • Anti-lock Brake Discount – Cars with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Paperwork-free – Some insurance companies give back up to $50 for buying your policy online.
  • 55 and Retired – Seniors may qualify for a slight reduction on a insurance coverage quote for 3 Series insurance.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new vehicles.

As is typical with insurance, some credits don’t apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. If you do the math and it seems like you can get free auto insurance, it’s just not the way it works. But all discounts should help lower the cost of coverage.

Large car insurance companies and a summarized list of policyholder discounts are included below.

  • American Family may include discounts for mySafetyValet, early bird, defensive driver, Steer into Savings, good driver, multi-vehicle, and bundled insurance.
  • Farm Bureau discounts include multi-policy, multi-vehicle, safe driver, renewal discount, and good student.
  • State Farm has discounts for Steer Clear safe driver discount, multiple autos, accident-free, passive restraint, and good student.
  • Travelers may offer discounts for payment discounts, student away at school, save driver, driver training, and hybrid/electric vehicle.
  • The Hartford offers discounts for vehicle fuel type, anti-theft, defensive driver, air bag, and bundle.
  • GEICO offers premium reductions for multi-policy, anti-lock brakes, daytime running lights, defensive driver, and good student.
  • Progressive has savings for continuous coverage, homeowner, good student, multi-vehicle, and multi-policy.

Double check with every company how many discounts you can get. Discounts might not be available to policyholders everywhere. To locate car insurance companies that provide some of the discounts listed above, follow this link.

Which policy gives me the best coverage?

When buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you may require specific advice.

  • Why am I required to buy liability insurance?
  • How can I get high-risk coverage after a DUI?
  • Am I covered by my spouse’s policy after a separation?
  • Is business property covered if stolen from my car?
  • Do I have coverage when using my vehicle for my home business?
  • Who is covered when they drive my 2013 BMW 3 Series?
  • Do I need PIP coverage since I have good health insurance?
  • Does my car insurance cover rental cars?
  • Am I covered if my car is in a flood?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, 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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What insurance coverages do you need?

Learning about specific coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for liability

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things like court costs, repair bills for other people’s vehicles, emergency aid and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, hitting a bird, rock chips in glass, damage from flooding and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

Collision coverage covers damage to your 3 Series resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for ambulance fees, prosthetic devices, dental work and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your BMW 3 Series.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Buy Smart and Save

Cheaper car insurance is possible on the web in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies may not have online price quotes and many times these smaller providers sell through independent agencies.

Consumers who switch companies do it for a variety of reasons including delays in paying claims, high rates after DUI convictions, extreme rates for teen drivers or an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies is not as hard as you think.

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice collision coverage and learned later that it was a big mistake. Your focus should be to buy the best coverage you can find at a price you can afford.

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