Trying to find lower car insurance rates for your BMW 3 Series? Are you a victim of high-priced car insurance? Believe me when I say there are lots of people in the same boat. Many insurance companies vie to insure your vehicles, so it’s not easy to compare every insurer and get the best coverage at the best price available.
If you have insurance now or need a new policy, you can use this information to get lower rates and still get good coverage. Finding affordable coverage is not that difficult. Drivers just need to learn how to compare company rates on the web.
There are several ways to compare BMW 3 Series insurance coverage prices but some are easier and takes less work. You could waste time discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to get pricing more quickly.
Most of the larger companies belong to an insurance system where insurance shoppers enter their policy data once, and every company then gives them pricing determined by their information. This saves time by eliminating form submissions to each company. To compare pricing click here to start a free quote.
The one disadvantage to using this type of form is buyers cannot specifically choose the companies to get quotes from. If you would rather choose individual companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.
However you get your quotes, ensure you’re using the exact same coverage limits and deductibles for each comparison quote. If you have mixed coverages it will be impossible to make a fair comparison for your BMW 3 Series.
When it comes to choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions could help you determine if your insurance needs might need professional guidance.
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.
Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Auto liability insurance
Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims such as loss of income, emergency aid, bail bonds and court costs. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.
Medical payments and PIP coverage
Med pay and PIP coverage reimburse you for bills for things like dental work, ambulance fees, nursing services, rehabilitation expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, falling objects, fire damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like sideswiping another vehicle, scraping a guard rail, crashing into a ditch, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.