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: Aug 31, 2018

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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.

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If shopping for insurance quotes online is new to you, by this point your are probably confused thanks to the vast number of online insurance companies and websites competing for your business.

Affordable car insurance rates with discounts

Companies offering auto insurance don’t always list the complete list of policy discounts in a way that’s easy to find, so here is a list some of the more common and the more hidden discounts that may be available. If you’re not getting every credit possible, you are just wasting money.

  • Government Employee Discount – Active or former government employment could cut as much as 10% off on 3 Series Gran Turismo coverage with a few car insurance companies.
  • Smart Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. The discount lasts up to age 25.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
  • Military Deployment Discount – Being on active duty in the military can result in better rates.
  • Paper-free Discount – Many car insurance companies will discount your bill up to fifty bucks get insurance online.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, you won’t be that lucky.

To view providers that offer multiple discounts, click here.

The quickest way to compare rate quotes is to know most insurance companies participate in a system to provide you with free rate quotes. To get started, all you need to do is provide a little information like types of safety features, the make and model of your vehicles, if you are currently licensed, and how you use your vehicles. Your insurance information is submitted instantly to multiple companies and you receive quotes almost instantly.

To find lower rates now, click here and complete the form.

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

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Insurance prices are influenced by these factors

An important part of buying insurance is that you know the different types of things that aid in calculating the price you pay for insurance coverage. When consumers understand what determines premiums, this allows you to make good choices that may result in lower rates.

  • More traffic equals higher rates – Residing in less populated areas of the country can be a good thing when insuring your vehicles. People in densly populated areas regularly have congested traffic and much longer commute distances. Lower population translates into fewer accident claims in addition to fewer liability claims.
  • Certain jobs pay higher insurance coverage rates – Occupations such as real estate brokers, executives and stock brokers generally have higher average rates due to stressful work requirements and long work hours. Other jobs such as actors, engineers and retirees receive lower rates on 3 Series Gran Turismo coverage.
  • Too many insurance coverage claims will drive premiums up – If you file a lot of claims you can expect much higher rates or policy non-renewal. Car insurance companies give discounts to drivers who are not frequent claim filers. Your car insurance is designed for the large, substantial claims.
  • Higher insurance coverage rates for coverage lapses – Having a gap between insurance policy dates can be a guaranteed way to pay more for insurance coverage. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Age of drivers – More experienced drivers are shown to be more cautious, cost insurance companies less in claims and receive fewer citations.Teenage drivers have been known to be inattentive when behind the wheel therefore insurance coverage rates are much higher.
  • Drive lots and pay more – The more you drive your BMW each year the more it will cost to insure it. Almost all companies rate vehicles determined by how the vehicle is used. Cars left parked in the garage cost less to insure than vehicles that have high annual mileage. Incorrect rating for your 3 Series Gran Turismo can cost quite a bit. It’s always a good idea to double check that your policy reflects the right rating data, because improper ratings can cost you money.
  • Only buy incidental coverages you need – There are a ton of optional add-on coverages that can add up but may not be useful. Add-on coverages like roadside assistance, accidental death, and Farm Bureau memberships are some examples. You may think they are a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Reduce insurance coverage rates by driving safer cars – Vehicles with high crash test scores are cheaper to insure. These vehicles reduce injuries and fewer serious injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If the BMW 3 Series Gran Turismo earned at least four stars on or an “acceptable” rating on you may be receiving a better rate.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What can I do if my company won’t pay a claim?
  • When should I drop full coverage on my 2016 BMW 3 Series Gran Turismo?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I have combined single limit or split liability limits?
  • Is motorclub coverage worth it?
  • Is rental equipment covered for theft or damage?
  • What companies insure drivers after a DUI or DWI?
  • How many claims can I have before being cancelled?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Save $436 a year? Really?

Popular auto insurance providers such as State Farm, Allstate and GEICO endlessly run television, radio, and online ads. They all tend to make the same promise that you can save just by switching your coverage. How is it plausible that every one can charge lower premium rates? It’s all in the wording.

All companies have specific characteristics for the type of insured that will not have excessive claims. An example of a desirable insured might be described as over the age of 40, has no prior claims, and drives a safe vehicle. Any person who fits that profile receive the lowest rate quotes and will most likely save a lot if they switch.

People who are not a match for this stringent profile may receive a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can lure you into getting a quote.

Each company has different criteria, so you absolutely need to quote coverage with many companies. Because without a comparison, you cannot know with any certainty which company will have the lowest rates.

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

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Car insurance coverages 101

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability insurance

Liability insurance can cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

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. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, medical services and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your BMW 3 Series Gran Turismo.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, hospital visits, chiropractic care, dental work and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from getting keyed, falling objects, a broken windshield, hail damage and damage from flooding. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage 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 can pay for things such as sideswiping another vehicle, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Keep this in mind

We just presented many ideas to reduce 2016 BMW 3 Series Gran Turismo insurance premium rates online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest premium rates are with the smaller companies.

People change insurance companies for a number of reasons such as lack of trust in their agent, unfair underwriting practices, being labeled a high risk driver or even delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company can be less work than you think.

As you quote insurance, never buy less coverage just to save a little money. In many cases, consumers will sacrifice collision coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the best cost, but do not skimp to save money.

Additional information can be read on the following sites: