1995 BMW 3 Series Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your BMW 3 Series? No one in their right mind looks forward to paying for insurance coverage, particularly when the cost is too high.

You have multiple auto insurance companies to purchase coverage from, and even though it’s nice to have a choice, it can be more challenging to compare company pricing.

Finding the best rates is not rocket science. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. But car owners do need to learn how big insurance companies price insurance differently and apply this information to your search.

Pay less for BMW 3 Series insurance

Companies don’t always publicize every discount very clearly, so the following is a list of both the well known and the more hidden ways to save on insurance.

  • Student in College – Children living away from home attending college without a vehicle on campus may qualify for this discount.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save at least 10% off all policies.

It’s important to note that most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

A partial list of companies that may have some of the above discounts are:

Check with each company what discounts are available to you. Discounts may not apply in every state.

The method we recommend to get policy rate comparisons is to know the trick almost all companies actually pay money for the chance to give free rates quotes. The one thing you need to do is give the companies some data like what your job is, if it has an anti-theft system, if a SR-22 is required, and if the vehicle is leased. Your rating data is instantly provided to multiple companies and you get price estimates within a short period of time.

To compare rates now, click here and complete the form.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help highlight if you might need an agent’s assistance.

  • Will I lose any money if I cancel my policy before it expires?
  • Is my cargo covered for damage or theft?
  • Is my state a no-fault state?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is an SR-22 filing?
  • How do I insure my teen driver?
  • Do I need higher collision deductibles?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage basics

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

Liability

This coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as pain and suffering, attorney fees, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, theft, hitting a bird and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like dental work, funeral costs, ambulance fees and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

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

Collision coverage pays for things such as damaging your car on a curb, crashing into a building, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Cheaper insurance is a realistic goal

The cheapest 1995 BMW 3 Series insurance is available online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

We just presented a lot of information how to lower your insurance rates. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the best prices are with a small local company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

More tips and info about auto insurance is located at these sites: