Lower Your 1999 BMW 3 Series Insurance Cost

Trying to find lower insurance rates for your BMW 3 Series? Pretty sure you bought an overpriced insurance policy? Say no more because many drivers have buyer’s remorse.

Because you have many online and local companies to choose from, it is hard for the average consumer to choose the most affordable company.

It’s a good habit to compare rates on a regular basis due to the fact that insurance prices tend to go up over time. Even if you got the lowest rates on 3 Series insurance a couple years back the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance because you’re going to learn how to quote online to remove unneeded coverages and save money.

The quickest method we recommend to compare policy rates is to understand auto insurance companies provide online access to quote your coverage. To start a quote, the only thing you need to do is take a few minutes to give details such as your job, if your license is active, if a SR-22 is required, and any included safety features. Your insurance information is instantly sent to many highly-rated insurers and you will get price comparisons almost instantly.

To find the cheapest car insurance rates, click here and complete the form.

Discounts can really help lower premiums

Car insurance is easily one of your largest bills, but discounts can save money and there are some available that could drop your premiums quite a bit. Some discounts will apply when you quote, but some may not be applied and must be specifically requested before you get the savings.

• Discount for Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts of 25 to 30%.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
• Telematics Devices – Drivers who agree to allow their car insurance company to study vehicle usage by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as they are good drivers.
• Multiple Policy Discount – When you have multiple policies with one company you may save up to 20% and get you low cost auto insurance.
• Seat Belts Save – Forcing all vehicle occupants to buckle their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
• More Vehicles More Savings – Purchasing coverage when you have multiple cars with the same car insurance company can get a discount on all vehicles.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

For a list of companies that provide some of the discounts listed above, click here to view.

Will just any policy work for me?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can help discover whether or not you may require specific advice.

• How do I file an SR-22 for a DUI in my state?
• Does having multiple vehicles earn me a discount?
• Am I covered when using my vehicle for business?
• How much underlying liability do I need for an umbrella policy?
• Which companies will insure high-risk drivers?
• Exactly who is provided coverage by my policy?
• How high should my uninsured/underinsured coverage be in my state?
• Is a fancy paint job covered?
• Am I covered if I hit a deer?
• Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

What insurance coverages do you need?

Having a good grasp of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, rock chips in glass, damage from getting keyed and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as EMT expenses, chiropractic care, prosthetic devices and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your 3 Series resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Liability insurance – This coverage can cover damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like court costs, emergency aid, repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.