Lower your BMW 330ci Insurance Rates in Three Easy Steps
If shopping for auto insurance was more enjoyable, it would get done more often. But most likely we pay more than we want to and don't really enjoy the buying process. Buying insurance on your BMW 330ci might leave you feeling the same way.
Step One: Compare Rates
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. Times have changed!
Comparing apples-to-apples price quotes for your BMW 330ci is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Important! If you already have liability and physical damage coverage on your 330ci, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: How to Lower your 330ci Insurance Premium
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your 330ci insurance rates.
- You can definitely expect to pay a little more for insurance due to the performance level of your BMW 330ci. Vehicles with less power and speed tend to cost less to insure.
- If your 330ci ranks on the list of vehicles that are frequently stolen, that can result in a higher rating class and a more expensive rate.
- Owning a luxury vehicle like your 330ci means you'll pay a little more for insurance due to the higher cost of repair parts.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Sports cars tend to have larger engines and higher top speeds which increases the chance of an accident.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- Teen drivers are expensive to insure and the only way to lower your rates is to rate them on an older vehicle with basic liability coverage.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
Step Three: Make an Informed Buying Decision
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your 330ci that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
If this is a new policy with only the BMW on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new 330ci 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.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. 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
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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