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: Dec 10, 2017

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Want cheaper car insurance rates for your BMW 3 Series Gran Turismo? No sane person enjoys paying for car insurance, especially when they know they could find lower prices if they just compared rates.

Multiple insurers compete to insure your vehicles, so it can be very hard to choose a provider to discover the definitive cheapest price

If you have car insurance now, you will be able to reduce your rates substantially using these tips. Buying car insurance is easy if you know what you’re doing. Nevertheless, vehicle owners need to have an understanding of how insurance companies sell insurance online and take advantage of how the system works.

Four factors that influence insurance costs

One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that help calculate your insurance rates. When you know what positively or negatively controls the rates you pay, this enables informed choices that may result in lower premium levels. Multiple criteria are part of the equation when you get a price on insurance. Some are pretty understandable such as traffic violations, although some other factors are more obscure like where you live or your vehicle rating.

The following are a partial list of the pieces used by companies to determine premiums.

  • Raise coverage deductibles and save – Your deductibles tell how much the insured will be required to pay before your insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered could be collision with another vehicle, damage from fire, and damage caused by road hazards. The more money the insured has to pay upfront, the less your insurance will be on 3 Series Gran Turismo insurance.
  • Better rates with anti-theft devices – Selecting a car model with advanced anti-theft systems can help bring down rates. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your car from being stolen.
  • Rates increase with driving citations – Attentive drivers tend to pay less for car insurance than their less careful counterparts. Getting just one chargable violation can increase the cost of insurance substantially. People who have multiple violations such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Keep insurance claims to a minimum – If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance companies provide cheaper rates to insureds that do not abuse their auto insurance. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.

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

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Where can I get low cost insurance coverage?

Many insurance companies such as Allstate, GEICO and Progressive give coverage prices directly from their websites. Doing online price comparisons is fairly simple as you just enter your required coverages into the form. When the form is submitted, their system requests your driving and credit reports and returns pricing information based on these factors. Online quotes makes it a lot easier to compare rates but the process of having to visit a lot of sites and fill out multiple forms is monotonous and tiresome. But it’s necessary to compare as many rates as possible if you want to find a better rate.

A quicker way to find better insurance coverage pricing uses one form that analyzes rates from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online shopping much more enjoyable. Immediately after submitting the form, it is rated and you can choose your choice of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase the new policy. It can be completed in less than 10 minutes and could lower your rates considerably.

In order to find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended that you enter as shown on your current policy. Doing this assures you’re receiving an apples-to-apples comparison for the exact same coverage.

More discounts mean affordable premiums

Companies that sell car insurance don’t list every possible discount very well, so the following list contains both the well known as well as the least known discounts that may be available.

  • Military Discounts – Having an actively deployed family member could mean lower insurance coverage rates.
  • Paperwork-free – A handful of companies give back up to $50 get auto insurance digitally online.
  • Driving Data Discount – People who choose to allow driving data submission to spy on when and where they use their vehicle by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as the data is positive.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as GEICO, Progressive, and Allstate will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Multi-car Discount – Having multiple cars or trucks with one company may reduce the rate for each vehicle.

As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

If you would like to see a list of insurers with significant discounts, click this link.

It’s not one size fits all

When buying coverage, there isn’t really a perfect coverage plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • Who is covered by my policy?
  • Is my ex-spouse still covered by my policy?
  • Do I pay less for low miles?
  • How much liability insurance is required?
  • How high should deductibles be on a 2014 BMW 3 Series Gran Turismo?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and 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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Car insurance 101

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages available from car insurance companies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverages – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, hitting a deer and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as X-ray expenses, chiropractic care, doctor visits, surgery and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – Liability coverage can cover damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, medical expenses and attorney fees. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Summing up your insurance coverage search

Budget-friendly insurance coverage can be sourced on the web as well as from insurance agents, so get free auto insurance quotes from both of them to have the best selection. There are still a few companies who may not offer price quotes online and usually these smaller providers only sell through independent insurance agencies.

In this article, we covered a lot of techniques to shop for 2014 BMW 3 Series Gran Turismo insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest prices are with a small mutual company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

More tips and info about insurance coverage can be read in these articles: