2017 BMW 3 Series Insurance Quotes

Want lower auto insurance rates for your BMW 3 Series? Wish you could get out of overpriced auto insurance? Trust us when we tell you many drivers feel the same as you.

Many insurance companies vie for your insurance dollar, so it’s not easy to compare every company to get the lowest rate

It’s smart to do rate comparisons before your next renewal since insurance rates tend to go up over time. If you had the lowest premium rates on 3 Series coverage a few years ago the chances are good that you can find a lower price today. Forget all the misinformation about auto insurance because you’re about to learn the quickest way to save on auto insurance.

Insurance discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but you may qualify for discounts to cut the cost considerably. Certain credits will be shown when you quote, but some must be asked for before they will apply.

  • E-sign – Some insurance companies will discount your bill up to fifty bucks get insurance on their website.
  • Federal Government Employee – Federal government employees could cut as much as 10% off on 3 Series coverage depending on your company.
  • Senior Citizen Rates – Mature drivers are able to get better insurance rates on 3 Series coverage.
  • ABS Braking Discount – Vehicles that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt can save a little off the PIP or medical payment premium.
  • Student in College – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.
  • Organization Discounts – Having an affiliation with a qualifying organization can get you a small discount on your bill.
  • Savings for New Vehicles – Buying a new car instead of a used car may earn a small discount compared to insuring an older model.
  • Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. Even though it appears all those discounts means the company will pay you, you’re out of luck.

Popular insurance companies and some of the premium reductions they offer can be read below.

  • State Farm may offer discounts for multiple policy, defensive driving training, driver’s education, passive restraint, and anti-theft.
  • Geico discounts include membership and employees, driver training, air bags, good student, daytime running lights, anti-lock brakes, and anti-theft.
  • Liberty Mutual has discounts for good student, safety features, new move discount, multi-policy, preferred payment discount, and exclusive group savings.
  • The Hartford offers discounts for driver training, defensive driver, good student, vehicle fuel type, air bag, and anti-theft.
  • MetLife offers premium reductions for good driver, multi-policy, accident-free, good student, claim-free, defensive driver
  • Progressive has savings for multi-vehicle, continuous coverage, online signing, homeowner, and multi-policy.

Before purchasing a policy, check with each insurance company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. For a list of insurance companies that offer some of these discounts, click here to view.

Everyone needs different insurance coverages

When it comes to buying the best insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

  • What is covered by UM/UIM coverage?
  • How many claims can I have before being cancelled?
  • What is no-fault insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my BMW 3 Series covered if I use it for business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I still get insurance after a DUI?
  • Is extra glass coverage worth it?
  • What is PIP insurance?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance policy coverages for a 2017 BMW 3 Series

Having a good grasp of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most car insurance policies.

Auto collision coverage

This coverage will pay to fix damage to your 3 Series from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, crashing into a ditch, crashing into a building, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for chiropractic care, hospital visits and X-ray expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for liability

This will cover damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, pain and suffering, funeral expenses and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2017 BMW 3 Series.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Comprehensive car insurance

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, vandalism, damage from getting keyed and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

And the best car insurance company is…

Some insurance providers may not offer price quotes online and usually these regional insurance providers provide coverage only through local independent agencies. The cheapest 2017 BMW 3 Series insurance can be bought both online as well as from insurance agents, and you should compare price quotes from both to have the best selection.

We just presented some good ideas how to reduce 2017 BMW 3 Series insurance car insurance rates online. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. You may even discover the biggest savings come from a small mutual company. Smaller companies may only write in your state and offer lower premium rates compared to the large companies like Allstate or State Farm.

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