2015 BMW 3 Series Gran Turismo Insurance Rates

Searching for the cheapest insurance for a new or used BMW 3 Series Gran Turismo could be a painful process, but you can use a few tricks to find lower rates.

There is a better way to compare car insurance rates so we’re going to tell you the quickest way to price shop coverage for a new or used BMW and locate the lowest possible price from local insurance agents and online providers.

It’s important to price shop coverage yearly because prices are usually higher with each renewal. Even if you got the lowest rates on 3 Series Gran Turismo coverage on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn the proper way to find great coverage at a great price.

Fast and Easy Car Insurance Quotes

Effectively comparing car insurance prices is a ton of work if you don’t know the easiest way. You can waste a lot of time talking to insurance agencies in your area, or you could save time and use online quotes to quickly compare rates.

Many popular insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and at least one company returns a competitive quote determined by their information. This system prevents you from having to do repetitive form submissions to each individual car insurance company. To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to comparing rates this way is buyers cannot specifically choose which companies to receive prices from. If you prefer to choose individual companies to compare rates, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

However you get your quotes, double check that you are using apples-to-apples deductibles and coverage limits with each company. If you are comparing higher or lower deductibles it’s not possible to determine which rate is truly the best.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. Certain discounts will be applied at quote time, but lesser-known reductions have to be asked about prior to getting the savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
Good Student – This discount can get you a discount of up to 25%. This discount can apply up until you turn 25.
Memberships – Belonging to a civic or occupational organization could qualify you for a break when shopping for car insurance on 3 Series Gran Turismo coverage.
Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
Lower Rates for Military – Having a family member in the military could mean lower rates.
Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
Bundle and Save – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.

Consumers should know that most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. But any discount will reduce the amount you have to pay.

A partial list of companies who might offer these benefits are:

Before buying, ask each insurance company which discounts you may be entitled to. Discounts may not be available everywhere.

Tailor your coverage to you

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions may help you determine if your situation may require specific advice.

At what point should I drop full coverage?
Should I file a claim if it’s only slightly more than my deductible?
Do I need to file an SR-22 for a DUI in my state?
Are there companies who specialize in insuring high-risk drivers?
Can I get a multi-policy discount for packaging my home and auto coverage?
When should I remove comp and collision on my 2015 BMW 3 Series Gran Turismo?
Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Insurance coverage specifics

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses such as X-ray expenses, prosthetic devices and doctor visits. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like funeral expenses, repair bills for other people’s vehicles, medical expenses and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2015 BMW 3 Series Gran Turismo.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, hitting a bird and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

This covers damage to your 3 Series Gran Turismo resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb, crashing into a building, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

2015 BMW 3 Series Gran Turismo Insurance Rates – 7 Tips for Cheaper Quotes