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So, you own a 3 series, and you’re looking for BMW 3 Series insurance that doesn’t break the bank. Well, one of the first things you should know is that by buying new you can actually save on auto insurance as opposed to buying used. Be sure to keep in mind that rates are going to differ from area to area. Also, bear in mind to shop around with various insurance companies, and assure yourself that you will get the best rates.
Car insurance costs are calculated based on a variety of factors. The less risky it is for the car insurance company to insure you, the less costly your premium will be. Bear in mind that having a clean driving record can help you immensely.
Will you be commuting daily, or will the car be used occasionally for pleasure? Commuting distance is also a big factor when calculating your monthly payment. Very important as well, is where your garaging address is. Will your car be parked in a garage, and how safe is your neighborhood. Again, any factors that increase your riskiness may also increase your monthly premium.
The BMW 3 series is the bread and butter of BMW’s car selection; it is single-handedly the most purchased car BMW model in America. It offers a fun and spirited ride for driving enthusiasts with excellent handling. This model is an excellent compact vehicle for those looking to buy a luxury car for the price. Although it can be a bit pricey, it’s easy to lower costs by foregoing many of the optional bells and whistles offered for it.
Slightly bigger and faster than previous generations, the current model, the fifth-generation 3 series, is considered better overall. Among features that have been added or upgraded are:
• Increased interior space and comfort
• Suspension and braking systems
• Engine power
• More aggressive styling
Safety features can lower your monthly premium. If a car protects you properly, the likelihood of an expensive medical payout from your insurance company decreases. This is why it’s important to note that the BMW 3 series has a 5 star crash rating for side impacts, and a 4 star crash rating for front seat impacts. In 2009, this model enjoyed the IIHS’ Top Safety Pick.
This car sports front seat airbags for the driver and passengers, as well as side airbags. It has four-wheel, anti-lock disc brakes, and has a feature that dries brake rotors when the windshield wipers are in use. It can even run on flat tires, though it isn’t recommended for extended use.
There is little doubt as to why this model has been on Car and Driver magazine’s top ten from 1992 to 2011.
To get you started, enter your zip code and start getting quotes online today. We can then help you find the best rates for you and your 3 series.