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BMW 3 Series Gran Turismo Insurance Cost

Drivers have lots of options when shopping for car insurance for your BMW vehicle. You can buy from a local agent or go online to compare insurance costs of many different companies. Buying car insurance from online companies can be fast and easy, plus you might just save a little.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. By far the easiest way to find the cheapest 3 Series Gran Turismo insurance rates is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by these factors

Auto insurance rates on a BMW 3 Series Gran Turismo will vary greatly depending on several factors. Including but not limited to:

  • Higher performance 3 Series Gran Turismo vehicles cost more
  • Your accident history
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • What you do for a living
  • Your coverage level
  • Home ownership saves money

A final factor that helps determine 3 Series Gran Turismo insurance cost is the model year. Older models have a lower value in comparison to older models so the cost to replace them may result in lower rates. On the flip side, newer models may have a trim level with safety features like active head restraints, adaptive headlights, a backup camera, and tire pressure monitors so those may help offset higher rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your 3 Series Gran Turismo from the list below.

Liability coverage

This coverage protects you from damage or injury you incur to people or other property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision insurance

Collision insurance pays for damage to your BMW resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 3 Series Gran Turismo can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper 3 Series Gran Turismo insurance cost.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your BMW 3 Series Gran Turismo comprehensive insurance. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not available in all states and may carry a deductible.

How Much are BMW 3 Series Gran Turismo Insurance Rates?