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BMW 3 Series EDrive Insurance Rates

Comparing auto insurance through online providers is simple to do and there is a good chance you will probably save money. The critical component is to get as many rate quotes as possible in order to have the best prices.

Using the web to shop for auto insurance direct can be a challenge if you have never used online quoting. But don't let that discourage you because there is an easy way to compare rates. Finding a better price on auto insurance is surprisingly easy. Consumers just need to spend a few minutes comparing rates online with multiple companies. This can be done by comparing rates here.

Insurance rates for a BMW 3 Series eDrive can fluctuate considerably subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Safety rating of your 3 Series eDrive
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you own your home

One last important factor that can impact the rate you pay on your BMW is the year of manufacture. Newer models have a higher value so the payout to repair may result in higher rates. Conversely, newer models may have options such as traction control, pedestrian detection, autonomous braking, and adaptive headlights which may lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability auto insurance - 3 Series eDrive liability coverage protects you from damage that occurs to other people or property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision coverages - This coverage pays for damage to your BMW caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. 3 Series eDrive collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical expense insurance - Med pay and PIP coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are BMW 3 Series eDrive Insurance Rates?