View 1993 BMW 3 Series Car Insurance Quotes

Nobody I know likes having to buy car insurance, especially knowing their premiums are too high. Big-name insurance companies like Progressive, State Farm and Geico constantly blast consumers with ads and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.

Compare Insurance Today

Getting a cheaper price on 1993 BMW 3 Series insurance is a fairly straight forward process. Just spend a few minutes to get quotes online from several insurance companies. This can be accomplished in a couple of different ways.

1. The single most time-saving way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing repetitive form submissions for every insurance company. One simple form will get you rate comparisons from all major companies.
2. A harder way to get comparison quotes is to take the time to go to the website for every company you want to comare to complete a price quote. For instance, we’ll pretend you want to compare rates from Liberty Mutual, Farmers and American Family. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

3. The most time-consuming method to compare rates is to drive around to insurance agents’ offices. Shopping for insurance online can eliminate the need for a local agent unless you prefer the professional guidance of a local agent. It is possible to compare the best prices online and still use a local agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just make sure you use the exact same coverage information for each comparison quote. If you compare different values for each quote it will be next to impossible to determine which rate is truly the best.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

• Does my 1993 BMW 3 Series qualify for pleasure use?
• Should I have combined single limit or split liability limits?
• I don’t drive much so do I pay less?
• Should I sign the liability waiver when renting a car?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I have coverage for damage caused while driving under the influence?
• Why am I required to buy liability insurance?
• Are my friends covered when driving my 1993 BMW 3 Series?
• Does my personal policy cover me when driving out-of-state?

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. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Insurance policy coverages for a BMW 3 Series

Learning about specific coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, damage from a tornado or hurricane, damage from flooding and fire damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This coverage covers damage to your 3 Series resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, backing into a parked car, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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 sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability coverage

This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, medical expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for dental work, rehabilitation expenses, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage