1991 BMW 3 Series Car Insurance Quotes

Are you intimidated by the sheer number of auto insurance companies in your area? Lot’s of other drivers are too. There are so many choices that it can easily become a difficult situation to find lower auto insurance rates.

You should take the time to get comparison quotes quite often because auto insurance prices are rarely the same from one policy term to another. Just because you had the best rates on 3 Series insurance at your last renewal you will most likely find a better premium rate today. Ignore everything you know about auto insurance because you’re about to learn the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

Compare auto insurance price quotes

There are several ways to compare auto insurance prices but one way is more efficient than others. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.

Many companies belong to a marketplace where prospective buyers enter their coverage request one time, and every company then returns a price quote for coverage. This system prevents you from having to do quote requests to each individual auto insurance company.

To get comparison pricing now click here (opens in new window).

The only drawback to getting quotes like this is you don’t know exactly the companies to receive prices from. So if you want to select from a list of companies for rate comparison, we have a page of companies who write auto insurance in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just do your best to enter apples-to-apples coverage limits and deductibles on every price quote you get. If each company quotes different liability limits it will be next to impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages or limits may cause a big price difference. And when quoting auto insurance, remember that having more price comparisons will enable you to find the best rates.

Car insurance companies offer many types of discounts

Some insurance providers do not advertise every discount in a way that’s easy to find, so the below list has a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online.

  • Include Life Insurance and Save – Some car insurance companies give lower car insurancerates if you buy some life insurance too.
  • College Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have a car may qualify for this discount.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. You can use this discount normally up to age 25.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
  • First Accident Forgiveness – Not a discount per se, but a few companies such as GEICO and Liberty Mutual will allow you to have one accident before they charge you more for coverage so long as you are claim-free for a certain period of time.
  • Own a Home – Just owning your own home may trigger a policy discount on car insurance since owning and maintaining a home demonstrates responsibility.
  • Federal Government Employee – Active or former government employment can earn a discount up to 10% on 3 Series insurance depending on your car insurance provider.
  • Low Mileage Discounts – Fewer annual miles on your BMW could be rewarded with lower prices due to less chance of an accident.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Some of the larger companies that may offer policyholders these money-saving discounts include:

When getting free car insurance quotes, it’s a good idea to every company to give you their best rates. All car insurance discounts may not be available in your area.

What impacts BMW 3 Series insurance rates?

A large part of saving on insurance coverage is knowing the rating factors that go into determining your policy premiums. If you know what determines premiums, this enables you to make decisions that may reward you with better insurance coverage rates.

The list below includes some of the major factors used by insurance companies to determine your premiums.

  • Having a spouse reduces risk – Being married may earn you lower rates when shopping for insurance coverage. It demonstrates that you tend to be more mature than a single person and statistics show being married results in fewer claims.
  • Safer occupants lowers insurance coverage rates – Vehicles with high crash test scores get lower rates. Vehicles engineered for safety reduce injuries and any reduction in injury severity translates directly to fewer claims and lower rates for you.
  • Be proud to be claim-free – Auto insurance companies award better rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for the large, substantial claims.
  • Your address can modify premiums – Having an address in less populated areas may provide you with better prices when talking about insurance coverage. Fewer drivers and short commutes means less chance of accidents and also fewer theft and vandalism claims. Residents of big cities tend to have more traffic problems and more time behind the wheel. The longer drive time means higher likelihood of an accident.
  • Deter vehicle theft – Selecting a car model with advanced anti-theft systems can earn a premium discount. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft and help bring rates down.

Do I just need basic coverages?

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • What is PIP insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Do I benefit by insuring my home with the same company?
  • When does my teenage driver need to be added to my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I get a multi-policy discount?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I still get insurance after a DUI?
  • Should I have a commercial auto policy?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage information

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

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 hospital bills for your injuries and damage to your BMW 3 Series.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage covers damage to your 3 Series from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, rolling your car, crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as prosthetic devices, doctor visits, nursing services and surgery. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This coverage protects you from injuries or damage you cause to people or other property. It protects YOU from claims by other people. It does not 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. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair bills for other people’s vehicles, court costs, pain and suffering and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Be a smart shopper

Lower-priced 1991 BMW 3 Series insurance can be found on the web and from local insurance agents, and you should compare rates from both to have the best rate selection. A few companies may not have the ability to get a quote online and most of the time these small, regional companies only sell coverage through independent insurance agents.

Consumers switch companies for any number of reasons including poor customer service, delays in responding to claim requests, being labeled a high risk driver and even unfair underwriting practices. It doesn’t matter what your reason, finding a new insurance coverage company is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. In many instances, drivers have reduced liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at the best price while still protecting your assets.

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