2019 BMW 3 Series Insurance Quotes in 2024

Trying to find better insurance coverage rates for your BMW 3 Series? Being forced to pay for high-priced insurance coverage premiums can take a big chunk out of your accounts and force you to cut corners elsewhere. Comparing cost estimates is a great way to tighten up your finances.

Because there are so many insurance companies to choose from, it is very difficult to pick a more affordable insurer.

Buying car insurance is quite easy. If you have car insurance now, you should be able to save some money using these tips. Although consumers must learn how companies market insurance on the web.

How to buy insurance online

There are several ways to compare insurance prices and some are less time-consuming than others. You can spend countless hours talking to local insurance agents in your area, or you could use the web to get pricing more quickly.

All the larger companies belong to a marketplace where prospective buyers complete one form, and each company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests to each company.

To compare pricing enter your zip code here.

The one downside to pricing coverage this way is you cannot specify which providers to receive prices from. So if you want to select specific providers to compare prices, we put together a list of low cost insurance companies in your area. Click to enter zip code for insurance companies.

It doesn’t matter which method you choose, just be certain you are entering apples-to-apples deductibles and coverage limits on every quote. If you compare different liability limits then you won’t be able to truly determine the lowest rate. Just slight variations in limits could mean much higher rates. And when price shopping your coverage, comparing all the rates in your area provides better odds of finding more affordable rates.

Find hidden discounts on auto insurance

Auto insurance is easily one of your largest bills, but you may find discounts that you may not even know about. Some discounts apply automatically at the time you complete a quote, but a few must be inquired about before you get the savings.

• Driver’s Ed – Teen drivers should take driver’s ed class as it will make them better drivers and lower rates.
• Discount for New Cars – Buying insurance coverage on a new vehicle can save up to 30% because new vehicles keep occupants safer.
• Driver Training Discounts – Participating in a class that teaches defensive driving techniques could cut 5% off your bill if you qualify.
• Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn as much as 10 to 15 percent.
• Anti-lock Brake Discount – Cars equipped with ABS or steering control are much safer to drive and will save you 10% or more.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you aren’t that lucky.

Larger auto insurance companies and the discounts they provide are included below.

• State Farm discounts include defensive driving training, driver’s education, good driver, good student, passive restraint, multiple policy, and Steer Clear safe driver discount.
• Farmers Insurance may have discounts that include good student, teen driver, multi-car, alternative fuel, and mature driver.
• Progressive offers discounts for online signing, online quote discount, continuous coverage, multi-policy, and multi-vehicle.
• GEICO offers discounts including seat belt use, multi-policy, driver training, membership and employees, and good student.
• Auto-Owners Insurance includes discounts for good student, paperless, multiple vehicles, group or association, company car, and anti-lock brakes.
• The Hartford has discounts for defensive driver, good student, driver training, vehicle fuel type, and anti-theft.
• Farm Bureau has savings for multi-vehicle, good student, safe driver, youthful driver, renewal discount, driver training, and 55 and retired.
• USAA offers premium reductions for annual mileage, new vehicle, family discount, safe driver, vehicle storage, and driver training.

Before purchasing a policy, check with each insurance company which discounts they offer. A few discounts might not be available to policyholders in your area. If you would like to view insurers offering auto insurance discounts, enter your zip code here.

Tailor your car insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

• Am I covered if I crash into my own garage door?
• Do I have coverage when pulling a U-Haul trailer?
• Does liability extend to a camper or trailer?
• Does my 2019 BMW 3 Series qualify for pleasure use?
• Am I covered if hit by an uninsured driver?
• What can I do if my company denied a claim?
• Do I have coverage if my license is suspended?
• Can I drive in Mexico and have coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code.

Why your insurance premiums might be higher

Part of the insurance buying process is learning some of the elements that help calculate the level of your policy premiums. When consumers understand what impacts premium levels, this helps enable you to make changes that could result in lower premium levels. Lots of factors are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, although others are not quite as obvious like where you live and annual miles driven.

The itemized list below are just a few of the factors that factor into rates.

• Vehicles with better crash test results cost less to insure – Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles protect occupants better and fewer injuries means your insurance company pays less and more competitive rates for policyholders.
• Big cities mean more claims – Living in less populated areas of the country may provide you with better prices when buying insurance. People who live in big cities have to deal with traffic congestion and a longer drive to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
• Higher rates for insurance lapses – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your insurance expire. Not only will you pay higher rates, failure to provide proof of insurance will get you a license revocation or jail time. You may then have to prove you have insurance by filing a SR-22 with your state DMV.
• Your job is a factor – Did you know your job can affect your rates? Jobs such as doctors, airline pilots and financial analysts generally pay higher rates than the rest of us due to intense work-related stress and long work hours. On the other hand, occupations such as scientists, historians and performers pay lower than average rates for 3 Series coverage.
• Discounts for multiple policies – Most major companies will award discounts to clients who have multiple policies with them. It’s known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, drivers will still want to comparison shop to verify if the discount is saving money.

Auto insurance policy specifics

Learning about specific coverages of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for things like doctor visits, prosthetic devices, dental work and nursing services. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like repair costs for stationary objects, funeral expenses, court costs and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from getting keyed, hail damage, hitting a bird and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

Collision insurance covers damage to your 3 Series resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Be a money saver!

We just covered a lot of tips how to get a better price on 2019 BMW 3 Series insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

Budget-friendly car insurance can be found both online and from local agencies, so you should compare both to have the best rate selection. There are still a few companies who do not provide rate quotes online and many times these regional carriers work with local independent agencies.