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BMW 3 Series Gran Turismo Insurance Cost

Shopping for car insurance through online providers is easy, plus you can save money. The key is to compare rates from all companies in order to have all possible prices.

Consumers not familiar with buying insurance may think buying low-cost 3 Series Gran Turismo insurance is hard and time consuming. There are several ways to get quotes from different insurance companies. The easiest way by far to compare 3 Series Gran Turismo insurance rates consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by...

Car insurance premiums on a BMW 3 Series Gran Turismo will vary greatly based upon several criteria. Including but not limited to:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Crash test rating for your 3 Series Gran Turismo
  • Your occupation
  • The level of coverage
  • Home ownership saves money

An additional factor that will help determine 3 Series Gran Turismo insurance cost is the year of the vehicle. Older cars and trucks have a lower value than newer models so the cost to replace them will push premiums down. Conversely, more recent BMW vehicles may have safety features such as forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking so those may lower rates.

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

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your BMW resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 3 Series Gran Turismo can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance plan or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.

How Much are BMW 3 Series Gran Turismo Insurance Rates?