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BMW 3 Series Insurance Rates

Buying auto insurance on the web can be fast and easy, plus you can save money. The most important part is getting rates from as many companies as possible in order to accurately compare the lowest prices.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites offering insurance. Cutting your 3 Series insurance cost isn't really that difficult. Drivers just need to take a couple of minutes getting comparison quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Rates are impacted by these things

Car insurance premiums for your BMW 3 Series can be significantly different depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Male drivers pay higher rates
  • The deductible you choose
  • Crash test rating for your 3 Series
  • Your claim history
  • Having continuous coverage saves you money
  • Home ownership saves money

An additional factor that helps determine 3 Series insurance rates is the year of the vehicle. Models that are new cost more than older models so the cost to replace them may end up costing you more. Although new BMW models may have safety features included like pedestrian detection, active head restraints, and a backup camera that may help help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability car insurance - This coverage provides protection from damage or injury you incur to other's property or people in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision - Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper 3 Series insurance rates.

Comprehensive auto insurance - Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and may carry a deductible.

How Much are BMW 3 Series Insurance Rates?