Cheap 2011 BMW 3 Series Insurance Cost

Looking for the cheapest auto insurance rates for your BMW 3 Series? Finding the cheapest insurance for a BMW 3 Series can turn out to be a lot of work, but you can learn these tips to save time. There are more efficient ways to compare auto insurance rates and we’ll show you the best way to price shop coverage for a BMW and get the lowest possible price from both online companies and local agents.

Comprehensive Car Insurance Comparison

Lowering your 2011 BMW 3 Series car insurance rates isn’t really that difficult. Consumers just need to take a couple of minutes to compare quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

  • The first (and easiest) way to find low rates would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing repetitive form entry to each individual car insurance company. One form will get you price quotes instantly. Recommended for those who want to invest the least amount of time.
  • A less efficient way to get quotes online is to manually visit the website of each company to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from USAA, Liberty Mutual and Progressive. To find out each rate you need to go to every website and enter your information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Whichever method you choose, be sure to compare exactly the same information with each company. If you enter different liability limits you can’t possibly determine the lowest rate for your BMW 3 Series.

Discounts are available to cut your rates

Companies that sell car insurance don’t necessarily list every available discount very clearly, so we break down some of the best known and also the lesser-known insurance coverage savings. If you’re not getting every credit possible, you are throwing money away.

  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount on 3 Series coverage depending on your company.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • College Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.

For a list of insurers with the best insurance coverage discounts, click this link.

Everyone needs different coverages

When choosing adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions could help you determine if you could use an agent’s help.

  • Is a fancy paint job covered?
  • Is my camper covered by my car insurance policy?
  • When does my teenage driver need to be added to my policy?
  • Should I waive the damage coverage when renting a car?
  • Do I need higher collision deductibles?
  • Is my 2011 BMW 3 Series covered for smoke damage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverages for a 2011 BMW 3 Series

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage – Collision insurance pays for damage to your 3 Series resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, colliding with a tree, backing into a parked car, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your BMW 3 Series.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Auto liability – This coverage can cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like emergency aid, court costs, pain and suffering and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for bills such as prosthetic devices, rehabilitation expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, theft, rock chips in glass and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.