Want lower car insurance rates for your BMW 3 Series? Have you fallen victim to high-priced car insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive car insurance.
Big-name insurance companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with fancy advertisements and it is difficult to sift through the bull and do the work needed to find the best deal.
It’s a good idea to take a look at other company’s rates before your policy renews because prices are variable and change quite frequently. If you had the best deal for 3 Series coverage a couple years back a different company probably has better rates today. You can find a lot of misleading information regarding car insurance on the internet, so by reading this article, you’re going to learn some of the best ways to find affordable car insurance.
The best way we recommend to compare car insurance rates is to know car insurance companies actually pay money for the chance to compare rate quotes. All you need to do is provide a small amount of information like how much education you have, if it has an alarm system, how you use your vehicles, and how old drivers are. Those rating factors is instantly sent to multiple top-rated companies and they return rate quotes within a short period of time.
To find lower rates now, click here and find out if lower rates are available.
When choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine whether your personal situation may require specific advice.
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average insurance policy.
Liability – This coverage will cover damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means 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. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things such as medical expenses, bail bonds and medical services. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.
Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses like surgery, X-ray expenses, EMT expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible
Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Comprehensive insurance – This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as damage from getting keyed, rock chips in glass and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your BMW 3 Series.
Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.