Compare 1998 BMW 3 Series Car Insurance Quotes

Are you tired of robbing Peter to pay Paul to pay car insurance each month? You’re in the same situation as many other drivers. Big-name insurance companies like Progressive, State Farm and Geico all claim big savings, bombarding you with TV and radio ads and it can be hard to not get sucked in by the cute commercials and find the best price available.

It’s a good idea to get comparison quotes before your next renewal due to the fact that insurance prices go up and down regularly. Despite the fact that you may have had the lowest price on 3 Series coverage last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because it’s time to teach you the only way to save money, get proper coverage and the best rates.

The method we recommend to compare insurance rates in your area is to know the fact almost all companies allow for online access to give free rates quotes. To start a quote, the only thing you need to do is take a few minutes to give details like if you have an active license, any included safety features, driver details, and if you went to college. That information is then sent to multiple auto insurance providers and you should receive rate quotes within a short period of time.

To compare rates for your BMW 3 Series now, click here and see if a lower rate is available.

Drivers who switch save $446 a year? Really?

Drivers can’t get away from all the ads for insurance coverage savings by State Farm and Allstate. All the companies try to convey promises that people will save if you change your coverage to them.

How does each company cost less than your current company? This is the way they can do it.

Most companies have a preferred profile for the type of driver that will generate a profit. For instance, a desirable risk might be described as married and over the age of 30, has few claims, and drives a car with an anti-theft system. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and have a good chance to save money with a new company.

Potential insureds who may not quite match the “perfect” profile will get higher premiums and this can result in business not being written. The ad wording is “customers that switch” not “everybody who quotes” save money. That is how insurance companies can lure you into getting a quote.

This illustrates why you should compare quotes as often as possible. You cannot predict which insurance coverage company will be your best fit.

These discounts can lower your auto insurance rates

Not too many consumers would say auto insurance is affordable, but there’s a good chance there are discounts that you may not even know about. Most are applied when you complete an application, but a few must be manually applied before you get the savings.

  • Discounts for Safe Drivers – Insureds who avoid accidents can save as much as half off their rates on 3 Series coverage than drivers with accident claims.
  • Defensive Driver – Successfully completing a course in safe driver could possibly earn you a 5% discount if you qualify.
  • Save with a New Car – Buying a new car model can be considerably cheaper since new model year vehicles have better safety ratings.
  • Active Service Discounts – Having an actively deployed family member could trigger a small discount.
  • Driver Education Discount – Have your child complete a driver education course if offered at their school.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Most only apply to individual premiums such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies who may offer these money-saving discounts are:

It’s a good idea to ask every prospective company which discounts you qualify for. Some discounts listed above may not be available in your area. If you would like to choose from a list of providers who offer free auto insurance quotes, click this link.

Different people need different car insurance coverages

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining if you could use an agent’s help.

  • Do I need rental car coverage?
  • Do I need an umbrella policy?
  • What is PIP insurance?
  • What is UM/UIM insurance?
  • Which companies will insure high-risk drivers?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Coverages available on your insurance policy

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for things like prosthetic devices, dental work, hospital visits, chiropractic care and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance can cover damage that occurs to a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision coverage

Collision coverage pays for damage to your 3 Series resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, driving through your garage door, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, falling objects, vandalism, damage from flooding and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

What is YOUR best insurance company?

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.

We covered a lot of tips how to shop for 1998 BMW 3 Series insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding low cost car insurance. Consumers may even find the most savings is with a small mutual company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

Even more information can be read at these sites: