View 2013 BMW X3 Insurance Rates

Looking for lower insurance rates for your BMW X3? Did you fall for a flashy sales pitch and buy an expensive insurance policy? Trust us when we tell you there are lots of residents who feel the same.

Popular companies such as Geico, 21st Century and Progressive all claim big savings, bombarding you with advertising and it is challenging if not impossible to avoid their marketing magic and find the best price available.

Where can I get low cost auto insurance?

There are multiple methods you can shop for auto insurance but some are more efficient than others. You could spend your day talking to local insurance agents in your area, or you can utilize the internet for quick rates.

Most major companies take part in a program that enables customers to submit one quote, and each company can provide price quotes based on the submitted data. This prevents consumers from doing quotation requests to each individual auto insurance company.

To participate in this free quote system, click here to open in new window.

The only drawback to getting quotes like this is that consumers can’t choose which companies to get pricing from. If you would rather choose specific providers to compare prices, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you’re using identical coverage data on every price quote you get. If you use different data it’s impossible to make a fair rate comparison. Just a small difference in insurance coverages or limits can result in a big premium difference. It’s important to know that making a lot of price comparisons helps you find the best price.

Take policy discounts and save

Car insurance is not an enjoyable expense, but you can get discounts that you may not know about. Many of these discounts will be applied automatically at quote time, but lesser-known reductions have to be manually applied prior to getting the savings. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.

  • Discount for Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you may reduce your total bill.
  • Accident-Free Discounts – Drivers with accident-free driving histories have much lower rates compared to drivers with a long claim history.
  • Distant Student – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle could qualify for this discount.
  • Save with More Vehicles Insured – Buying coverage for multiple cars or trucks on the same car insurance policy qualifies for this discount.
  • Driving Data Discount – Insureds that choose to allow companies to spy on driving manner by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they are good drivers.
  • Professional Memberships – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on car insurance.

Please keep in mind that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

A few popular companies and some of their more popular discounts can be found below.

  • Mercury Insurance may have discounts that include age of vehicle, low natural disaster claims, location of vehicle, ease of repair, annual mileage, multi-car, and accident-free.
  • Farmers Insurance has discounts for teen driver, distant student, good student, mature driver, and business and professional.
  • Farm Bureau offers discounts for youthful driver, safe driver, multi-policy, 55 and retired, driver training, and good student.
  • State Farm may offer discounts for Drive Safe & Save, safe vehicle, student away at school, anti-theft, and accident-free.
  • Allstate has savings for passive restraint, resident student, auto/life discount, early signing, economy car, and multi-policy.
  • Geico offers premium reductions for daytime running lights, emergency military deployment, multi-vehicle, good student, and membership and employees.

If you are trying to find affordable car insurance quotes, ask every prospective company to apply every possible discount. Depending on the company, some discounts may not be available in your area.

Six tips to get cheap insurance prices

Smart consumers have a good feel for a few of the rating criteria that aid in calculating your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can help you get cheaper rates. Many factors are used when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but other factors are more transparent like your vehicle usage and annual miles driven.

The following are some of the major factors used by your company to calculate your rates.

  • Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings cost less to insure. Highly rated vehicles protect occupants better and lower rates of occupant injuries means less money paid by your insurance company and thus lower rates.
  • What are your physical damage deductibles? – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. A few examples of covered claims could be a dented fender, hitting a deer, and damage caused by flying debris. Your deductibles define how much you are required to pay before your insurance pays a claim. The more money the insured is willing to pay, the bigger discount you will receive for X3 insurance.
  • Use credit responsibly and save – Having a good credit score factor in calculating your insurance rates. So if your credit history can be improved, you may save money insuring your 2013 BMW X3 by spending a little time repairing your credit. Consumers who have good credit tend to be more responsible and file fewer claims than drivers who have lower credit ratings.
  • How your age affects premiums – Drivers with little experience are known to get distracted easily behind the wheel therefore insurance rates are much higher. Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
  • Too many claims will drive insurance rates up – If you file a lot of claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Insurance companies generally give discounts to people who are claim-free. Your insurance policy is intended for claims that you cannot pay yourself.
  • Multiple policies with one company can save – Many companies allow a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. If you currently are using one company, consumers should still compare rates to guarantee you are still saving the most.

Which policy gives me the best coverage?

When buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover if your situation might need professional guidance.

  • Why do I need rental car insurance?
  • Do I need higher collision deductibles?
  • Does insurance cover damages from a DUI accident?
  • Is my 2013 BMW X3 covered for flood damage?
  • Am I better off with higher deductibles on my 2013 BMW X3?
  • Are split liability limits better than a combined single limit?
  • Does my insurance cover a custom paint job?
  • Should I have a commercial auto policy?
  • How do I insure my teen driver?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance in the media

Popular insurance providers such as Geico, State Farm and Progressive regularly use ads in print and on television. All the companies make the point about savings if you just switch your insurance coverage to their company. How is it possible that every company can make almost identical claims? It’s all in the words they use.

All the different companies have specific criteria for the type of customer that will not have excessive claims. An example of this type of driver might have to be over age 30, has a clean driving record, and drives less than 7,500 miles a year. Any customer who fits that profile may get the lowest car insurance rates and have a good chance to save if they switch.

Potential insureds who don’t qualify for this stringent profile may receive a higher premium which results in business going elsewhere. Company advertisements say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how insurance companies can advertise the savings. That is why it’s extremely important to quote coverage with many companies. It’s not possible to predict which insurance company will be your best fit.

Auto insurance policy specifics

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as nursing services, rehabilitation expenses and doctor visits. They are used in conjunction with a health insurance plan 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 available in all states and gives slightly broader coverage than med pay

Liability auto insurance

This protects you from damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like pain and suffering, structural damage, bail bonds, court costs and medical expenses. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, rock chips in glass, fire damage and theft. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This coverage covers damage to your X3 resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 2013 BMW X3.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

The bottom line

In this article, we presented some good ideas how you can reduce 2013 BMW X3 insurance car insurance rates online. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates are with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

Lower-priced auto insurance can be purchased both online in addition to many insurance agents, and you should be comparing both to have the best selection. Some companies do not provide online rate quotes and most of the time these smaller providers only sell through independent insurance agents.

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