1991 BMW 3 Series Insurance Quotes

Trying to find the cheapest insurance rates for your BMW 3 Series? Finding lower premiums on insurance is challenging for consumers new to buying insurance online. Drivers have so many choices that it can turn into a lot of work to compare prices.

You should make it a habit to do rate comparisons quite often because rates trend upward over time. Even if you got the lowest price for 3 Series coverage two years ago other companies may now be cheaper. Starting now, forget all the misinformation about insurance because you’re about to learn one of the quickest ways to lower your annual insurance bill.

Discounts can save BIG

Car insurance can cost a lot, but there are discounts available to cut the cost considerably. Some trigger automatically when you get a quote, but lesser-known reductions have to be manually applied before being credited.

  • Homeowners Savings – Owning a home can save you money because owning a home is proof that your finances are in order.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for 3 Series coverage with select insurance companies.
  • Clubs and Organizations – Being a member of a civic or occupational organization could trigger savings on your policy for 3 Series coverage.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Use Seat Belts – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Auto/Home Discount – When you have multiple policies with the same company you may save up to 20% off your total premium.
  • No Charge for an Accident – Some insurance companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Sign Online – Certain companies will give a small break just for signing your application online.
  • Safety Course Discount – Taking part in a course in driver safety could cut 5% off your bill if your company offers it.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.

For a list of insurers with discount auto insurance rates, click here to view.

Will just any policy work for me?

When buying the best car insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if you might need professional guidance.

  • Can I afford to pay high deductible claims out of pocket?
  • Does my personal policy cover me when driving out-of-state?
  • Do I pay less if my vehicle is kept in my garage?
  • What is medical payments coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I rent a car in Mexico?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Beware of misleading auto insurance ads

Progressive, Allstate and Geico constantly bombard you with ads in print and on television. All the companies have a common claim that you’ll save big if you switch your policy. But how can every company claim to save you money?

All companies are able to cherry pick for the type of customer that earns them a profit. For example, a profitable customer might be between the ages of 40 and 55, is a homeowner, and has excellent credit. Any new insured who fits that profile is entitled to the best price and most likely will save quite a bit of money when switching.

Consumers who don’t measure up to the requirements will be charged a higher premium and ends up with business not being written. The ads say “people who switch” not “people who quote” save that much money. That is how insurance companies can confidently make the claims of big savings.

That is why it’s extremely important to get as many quotes as possible. You cannot predict which auto insurance company will fit your personal profile best.

Insurance coverage considerations

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1991 BMW 3 Series.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Auto liability – This provides protection from injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as bail bonds, funeral expenses, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, damage from flooding, falling objects and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – 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 first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, rolling your car, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses like surgery, nursing services and dental work. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Get your money’s worth

When shopping online for auto insurance, make sure you don’t buy poor coverage just to save money. In many cases, someone dropped collision coverage only to regret that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best price, not the least amount of coverage.

People switch companies for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, policy cancellation or even delays in responding to claim requests. Regardless of your reason for switching companies, finding a new company is less work than it seems.

Discount 1991 BMW 3 Series insurance can be purchased on the web and with local insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

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