2010 BMW 3 Series Car Insurance Quotes in 2024 – 9 Ways to Save

Looking for lower insurance coverage rates for your BMW 3 Series? Finding low-cost insurance for a BMW 3 Series can be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to find insurance coverage online and we’ll show you the best way to compare rates for a BMW and obtain the cheapest rates from both online companies and local agents.

If you have a current insurance policy or need new coverage, you will benefit by learning to get lower rates and still get good coverage. Locating affordable protection is easy if you know what you’re doing. Drivers just need to learn the most effective way to compare rates online.

Verify you’re receiving every discount

Auto insurance companies don’t always publicize every discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden credits available to bring down your rates. If you are not receiving all the discounts possible, you are not getting the best rate possible.

• Distant Student – Any of your kids who live away from home to go to college and don’t have a car can be insured at a reduced rate.
• Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for 3 Series insurance compared to accident prone drivers.
• Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
• Good Students Pay Less – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
• Accident Free – Insureds who avoid accidents and claims have much lower rates when compared with policyholders that have many claims.
• Telematics Discount – Policyholders that allow companies to study vehicle usage through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
• ABS Brakes – Cars that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.
• Membership in Organizations – Having an affiliation with qualifying clubs or civic groups can get you a small discount when getting a car insurance quote.

Please keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce your policy premium.

A list of companies and the discounts they provide are:

• GEICO offers discounts for defensive driver, air bags, multi-policy, anti-theft, military active duty, and multi-vehicle.
• MetLife offers discounts including good student, accident-free, multi-policy, claim-free, defensive driver, good driver
• Progressive may include discounts for multi-vehicle, good student, online quote discount, online signing, homeowner, and multi-policy.
• Travelers may offer discounts for good student, multi-car, save driver, hybrid/electric vehicle, student away at school, and continuous insurance.
• SAFECO has savings for teen safe driver, teen safety rewards, multi-car, anti-lock brakes, homeowner, bundle discounts, and safe driver.
• AAA offers premium reductions for AAA membership discount, good driver, education and occupation, multi-policy, good student, and pay-in-full.

When comparing rates, check with each company or agent how many discounts you can get. Some discounts listed above may not be available in every state.

The cheapest car insurance

Most major insurance companies like GEICO, State Farm and Progressive make it easy to get coverage prices directly from their websites. Getting prices online is pretty painless as you just enter into a form. Once you submit the form, the system automatically orders information on your driving record and credit history and returns a price quote based on these factors.

Quoting online makes it a lot easier to compare rates but the time required to go to different websites and fill out multiple forms is a big time waster. Unfortunately, it is important to compare as many rates as possible if you want to get better car insurance pricing.

There is an easier way!

The quickest way to compare car insurance pricing utilizes a single form to get prices from several different companies. It saves time, requires less work, and makes price shopping online much more efficient. As soon as you send your information, it is rated and you can select any one of the pricing results.

If a lower price is quoted, you simply finish the application and purchase coverage. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To save time and compare rates using this form now, simply enter your zip code here and complete the simple form. If you currently have coverage, we recommend you duplicate the insurance coverages identical to your current policy. Doing this assures you will receive a price comparison for similar coverage.

When should I discuss my situation with an agent?

When it comes to choosing the best car insurance coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

• Does my personal policy cover me when driving out-of-state?
• When should I remove comp and collision on my 2010 BMW 3 Series?
• Does my medical payments coverage pay my health insurance deductible?
• When do I need to add a new car to my policy?
• Where can I get insurance after a DUI in my state?
• Are rock chip repairs covered?
• Is my custom paint covered by insurance?
• Am I covered if I break a side mirror?
• Does insurance cover tools stolen from my truck?
• Am I getting all the discounts available?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Switch companies and save? Really?

Consumers can’t get away from ads that promise big savings for switching from companies such as GEICO, State Farm and Progressive. All the ads seem to make the promise that you’ll save big if you change your policy.

How do they all say the same thing? Here is the trick they use.

All companies have underwriting criteria for the right customer that earns them the most money. For instance, a profitable customer could be married and over the age of 30, has no driving citations, and has excellent credit. Any new insured that fits those parameters gets the lowest prices and will also cut their rates substantially.

Consumers who don’t qualify for the “perfect” profile may be forced to pay higher prices which leads to the prospect going elsewhere. If you listen to the ad wording, they say “people who switch” not “everyone that quotes” can save as much as they claim. That’s the way insurance companies can confidently claim big savings.

Because of the profiling, you really need to do a price quote comparison at every renewal. It’s impossible to know which insurance companies will give you the biggest savings.

Auto insurance coverages

Having a good grasp of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as ambulance fees, nursing services, chiropractic care and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, hitting a deer and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your BMW 3 Series.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – Collision insurance will pay to fix damage to your 3 Series resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability – Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, bail bonds, pain and suffering and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

In any little way, save everyday

Insureds who switch companies do it for many reasons like policy non-renewal, high prices, policy cancellation or high rates after DUI convictions. It doesn’t matter what your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.

Throughout this article, we presented a lot of information how to get a better price on 2010 BMW 3 Series insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting cheaper car insurance. Consumers may even find the most savings is with some of the smallest insurance companies.

Some companies do not offer price quotes online and usually these small, regional companies only sell through independent agencies. The cheapest 2010 BMW 3 Series insurance can be purchased from both online companies and from local insurance agents, so compare prices from both so you have a total pricing picture.