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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Overpriced BMW 3 Series Gran Turismo insurance can deplete your family’s budget and possibly require postponing other expenditures.

Due to the abundance of choices, it’s nearly impossible to locate the most affordable company.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you will be able to reduce your rates substantially using these tips. But car owners can benefit by having an understanding of how insurance companies price insurance differently because it can help you find the best coverage.

Shop insurance coverage online

There are several ways to compare rate quotes from many insurance coverage companies in your state. By far the easiest way to comparison shop is to get quotes online. This is quite simple and can be completed by using one of the methods below.

  1. The most efficient method consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing repetitive form entry for each company. One simple form will return quotes from many national carriers.
  2. A more difficult way to get comparison quotes consists of going to each company’s website to complete a price quote. For sake of this example, let’s say you want to compare prices for GEICO, Allstate and State Farm. To do that, you would have to navigate to each company’s site and punch in your information repeatedly, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The old school way to shop rates is to waste gas driving to different agent offices. The ability to get quotes online eliminates this option unless you prefer the professional abilities only provided by licensed agents. It is possible to price shop online but buy the policy through an agent.

It doesn’t matter which method you choose, just double check that you are using identical coverages for every company. If you compare different deductibles it will be next to impossible to find the best deal for your BMW 3 Series Gran Turismo. Having just a slight variation in coverage limits can make a big difference in price. Just keep in mind that comparing all the rates in your area will enable you to find the best offered rates.

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

secured lock Secured with SHA-256 Encryption

But the ad said I’d save 15% in 15 minutes!

Well-known car insurance companies like State Farm, Allstate and GEICO seem to constantly run ads in print and on television. All the companies state the claim about savings if you move your car insurance coverage to their company. How does each company charge you less for auto insurance?

Car insurance companies quote the lowest rates for the type of driver that will not have excessive claims. For instance, a driver they prefer could be over the age of 50, has never had a claim, and the vehicle is rated for pleasure use. A propective insured that fits those parameters will most likely get cheap premium rates and is almost guaranteed to cut their rates if they switch.

Consumers who fall outside these stringent criteria will be quoted higher prices and ends up with the prospect going elsewhere. The ads state “drivers who switch” not “everyone who quotes” save that much when switching. That is how companies can advertise the savings. This emphasizes why you really need to do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance companies will have the lowest rates.

How car insurance companies calculate BMW 3 Series Gran Turismo insurance costs

Lots of factors are part of the equation when pricing auto insurance. Some factors are common sense like an MVR report, although others are more obscure like where you live or how safe your car is.When buying auto insurance it’s important to understand some of the elements that go into determining your policy premiums. When you understand what determines base rates, this helps enable you to make changes that may result in big savings.

  • Too many insurance claims and you’ll pay more – If you file claims often, you shouldn’t be surprised to get higher rates. Companies generally give lower rates to policyholders who only file infrequent claims. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Pay less after the wedding – Your spouse may earn you lower rates on your auto insurance bill. It may mean you are more financially stable it has been statistically shown that drivers who are married file infrequent claims.
  • Lower prices with alarm systems – Selecting a car model with an alarm system can save you some money. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.
  • Poor credit can mean higher premiums – Your credit rating is a big factor in calculating your premium rate. Drivers who have high credit ratings tend to be more responsible and file fewer claims than those with lower ratings. If your credit could use some work, you may save money insuring your 2015 BMW 3 Series Gran Turismo by repairing your credit.

Get cheaper auto insurance quotes with discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts that you may not even know about. Some trigger automatically at the time you complete a quote, but less common discounts must be manually applied before they will apply.

  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for 3 Series Gran Turismo coverage with a few auto insurance companies.
  • College Student – Kids who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
  • Early Renewal Discounts – Some insurance companies provide a discount for signing up prior to your current policy expiration. You can save around 10% with this discount.
  • Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount because newer vehicles have to meet stringent safety requirements.
  • Accident Waiver – This isn’t a discount exactly, but some insurance companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
  • Multiple Cars – Buying coverage for all your vehicles on a single policy qualifies for this discount.
  • Homeowners Pay Less – Owning a house may trigger a policy discount on auto insurance because it requires a higher level of personal finance.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears you could get a free auto insurance policy, you aren’t that lucky.

Companies and the discounts they provide can be found below.

  • Farm Bureau may include discounts for good student, renewal discount, youthful driver, multi-policy, driver training, and multi-vehicle.
  • State Farm policyholders can earn discounts including student away at school, anti-theft, Steer Clear safe driver discount, Drive Safe & Save, multiple autos, and defensive driving training.
  • Progressive includes discounts for multi-policy, homeowner, multi-vehicle, online signing, and good student.
  • Allstate discounts include good payer, premier plus, anti-lock brakes, anti-theft, early signing, and eSmart discount.
  • Nationwide offers premium reductions for anti-theft, accident-free, family plan, easy pay, multi-policy, and business or organization.
  • MetLife may have discounts that include accident-free, claim-free, good driver, good student, and multi-policy.

Check with all companies you are considering to give you their best rates. Some of the earlier mentioned discounts may not be offered everywhere.

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

secured lock Secured with SHA-256 Encryption

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • Can I afford to pay high deductible claims out of pocket?
  • I have health insurance so do I need medical payments coverage?
  • When should I remove comp and collision on my 2015 BMW 3 Series Gran Turismo?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if I hit a deer?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance 101

Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

This pays for damage to your 3 Series Gran Turismo caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, crashing into a ditch, colliding with a tree, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, hitting a deer and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills for X-ray expenses, surgery, ambulance fees, EMT expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay


Liability insurance can cover damage that occurs to a person or their property. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as funeral expenses, medical services, loss of income and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Buy online or local, you save

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped collision coverage and discovered at claim time that it was a big mistake. The aim is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

Throughout this article, we presented some good ideas how you can save on 2015 BMW 3 Series Gran Turismo insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest premium rates are with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Even more information can be read by following these links: