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 5, 2015

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Consumers have options when looking for the lowest priced BMW i3 insurance. They can either waste time driving around trying to get quotes or leverage the internet to find the lowest rates. There are both good and bad ways to buy car insurance so you’re going to learn the absolute fastest way to get price quotes for your BMW and get the best price possible either online or from local insurance agents.

Consumers should take time to price shop coverage as often as possible because rates are adjusted regularly by insurance companies. Even if you think you had the lowest rate for i3 insurance a couple years back you can probably find a lower rate today. There are a lot of ways to save on car insurance out there, but in this article, you’re going to get a bunch of ideas how to stop overpaying for insurance.

Finding the best rates is not that difficult. If you currently have car insurance, you will be able to save some money using this information. Drivers just need to understand the tricks to shop on the web.

How to compare auto insurance rate quotes

There are multiple methods to compare auto insurance prices but there is one way that is less labor-intensive and much quicker. You could spend your day driving to agents in your area, or you can stay home and use online quotes to get prices fast.

All the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and at least one company returns a rated price based on that data. This prevents consumers from doing form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only downside to using this type of form is you are unable to specify which companies to receive prices from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

Whichever way you choose to compare rates, double check that you are using the exact same coverage limits for each comparison quote. If you use different limits and deductibles on each one then you won’t be able 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 quotes and discounts

Companies that sell car insurance don’t list all their discounts in an easy-to-find place, so the below list has a few of the more common as well as some of the hidden discounts that may be available.

  • Low Mileage Discounts – Low mileage vehicles can qualify you for discounted premium rates on garaged vehicles.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy a life insurance policy as well.
  • Active Military Service – Being deployed in the military could be rewarded with lower auto insurance rates.
  • Student Discounts – Excelling in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Senior Citizen Discount – Mature drivers can get reduced rates for i3 insurance.
  • Student Driver Training – Have your child enroll and complete driver’s education in school.
  • Clubs and Organizations – Joining specific professional or occupational memberships or organizations may earn a discount when getting a auto insurance quote.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, it doesn’t quite work that way.

Auto insurance companies that may offer these money-saving discounts may include but are not limited to:

When getting a coverage quote, ask every prospective company to give you their best rates. A few discounts might not apply in your state.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions could help you determine whether or not you would benefit from professional advice.

  • When should I not file a claim?
  • How high should deductibles be on a 2015 BMW i3?
  • If my 2015 BMW i3 is totaled, can I afford another vehicle?
  • Do I really need UM/UIM coverage?
  • Is there coverage for injuries to my pets?
  • What is the ISO rating for a 2015 BMW i3?
  • How do I file an SR-22 for a DUI in my state?
  • Can my teen drive my company car?
  • Is my teenager covered with friends in the car?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

Car insurance coverages and their meanings

Having a good grasp of car insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

Collision insurance covers damage to your i3 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, backing into a parked car, hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverage

Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects, funeral expenses and medical services. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive coverages

This will pay to fix 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 can pay for things such as a broken windshield, falling objects, a tree branch falling on your vehicle, hail damage and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills such as nursing services, funeral costs, doctor visits and pain medications. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

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

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Find Good Coverage for Less

We covered some good ideas how you can lower your 2015 BMW i3 insurance car insurance rates. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. Your focus should be to get the best coverage possible at the best possible price, but do not skimp to save money.

Cost effective 2015 BMW i3 insurance is attainable online and with local insurance agents, so get free auto insurance quotes from both of them to have the best rate selection. Some insurance companies may not have the ability to get quotes online and these smaller companies prefer to sell through independent agents.

Even more information can be found at these sites: