Save on BMW 318i insurance

Tightwads Guide to Insuring a BMW 318i

If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But the reality is, you probably don't enjoy it and you think it costs too much. Finding affordable coverage for your BMW 318i probably is no different.

Step One: Compare Multiple Rate Quotes

If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Now that we have the internet, shopping for car insurance online is a snap!

The first step to finding lower BMW 318i rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.

To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.

Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your 318i.

Step Two: Insider Tips for Finding Cheaper 318i Insurance

If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your 318i that will also lower the rate you pay irregardless of which company you choose.

BMW 318i insurance

Step Three: Buy the Policy That's Right for You

Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your 318i with.

If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.

Coverage will extend from your current policy if you're buying a BMW 318i, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new 318i will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.

Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.

Additional Insurance Information

To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.

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