Has it been a year or more since you last compared quotes for the cheapest car insurance rates in Fort Worth, TX? Fort Worth buyers have a choice when searching for the best price on BMW X3 insurance. They can either waste time driving around to compare prices or use the internet to make rate comparisons. There is a better way to shop for car insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used BMW and find the best price possible from Fort Worth insurance agents and online providers.
You need to price shop coverage every six months since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best premium rates on BMW X3 insurance in Fort Worth a year ago there may be better deals available now. Forget all the misinformation about car insurance because you’re going to get a crash course in how to use online quotes to find lower rates on car insurance.
Cheapest companies for BMW X3 insurance
The following companies offer comparison quotes in Fort Worth, TX. If several companies are displayed, we recommend you click on several of them in order to find the cheapest rates.
Rates and other information
The premium table below showcases a range of insurance policy prices for BMW X3 models. Having knowledge of how auto insurance prices are figured can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| X3 3.0I xDrive AWD 4-Dr | $422 | $672 | $500 | $30 | $150 | $1,774 | $148 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can change price quotes greatly.
The illustration below shows how choosing a deductible and can increase or decrease BMW X3 insurance costs for each age group. Data assumes a married female driver, full coverage, and no discounts are applied.
BMW X3 insurance rates: Men versus women
The chart below visualizes the comparison of BMW X3 insurance rates for male and female drivers. The information is based on a clean driving record, no claims, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Discounts can help lower premiums on BMW X3 insurance in Fort Worth
Insurance is easily one of your largest bills, but there could be significant discounts that many people don’t even know exist. Some discounts will apply at the time you complete a quote, but some may not be applied and must be manually applied prior to getting the savings.
- Student in College – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
- Early Renewal Discounts – Select insurance companies give a discount for renewing your policy before your current expiration date. The savings is around 10%.
- Data Collection Discounts – People who choose to allow driving data submission to track driving manner by installing a telematics device such as Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
- Organization Discounts – Joining a civic or occupational organization in Fort Worth could qualify you for a break on your next renewal.
- Save over 55 – Drivers that qualify as senior citizens can possibly qualify for better insurance rates.
- Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
- Paperwork-free – Some of the larger companies will give a small break get Fort Worth auto insurance on the web.
Consumers should know that most discount credits are not given to the whole policy. Most only apply to individual premiums such as liability and collision coverage. Even though it appears you can get free auto insurance, it’s just not the way it works.
The example below illustrates the comparison of BMW X3 annual premium costs with and without some available policy discounts. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, homeowner, claim-free, and marriage discounts applied.
Larger insurance companies and some of the premium reductions they offer are shown below.
- GEICO may have discounts that include multi-vehicle, seat belt use, military active duty, anti-theft, five-year accident-free, driver training, and emergency military deployment.
- SAFECO discounts include safe driver, homeowner, bundle discounts, anti-theft, multi-car, accident prevention training, and teen safe driver.
- State Farm may include discounts for Drive Safe & Save, passive restraint, Steer Clear safe driver discount, good driver, and multiple policy.
- MetLife may offer discounts for claim-free, accident-free, good driver, defensive driver, good student, and multi-policy.
- 21st Century has discounts for good student, homeowners, theft prevention, teen driver, driver training, and student driver.
- Progressive has savings for multi-policy, continuous coverage, online signing, homeowner, multi-vehicle, good student, and online quote discount.
If you are trying to find cheaper Fort Worth auto insurance quotes, ask all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders in Fort Worth. To view insurance companies with significant discounts in Fort Worth, follow this link.
You may need advice from an insurance agency
Many drivers just prefer to get professional advice from a licensed agent and that can be a great decision Good agents can help determine the best coverages and give you someone to call. One of the best bonuses of getting online price quotes is that you can find cheap auto insurance quotes and still choose a local agent.
By using this short form, your coverage information is transmitted to agents in your area that give free quotes to get your business. It makes it easy because there is no need to do any legwork because prices are sent to the email address you provide. If you wish to get a price quote from a specific insurance company, feel free to jump over to their website and fill out their quote form.
Selecting a company should include more criteria than just the premium amount. Agents should be asked these questions:
- Which members of your family are coverage by the policy?
- Is auto insurance their primary focus in Fort Worth?
- How often do they review coverages?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will you get a loaner vehicle if you car is being repaired?
- Where are claims handled?
- Where would glass claims be handled in Fort Worth?
When searching for a reliable insurance agent, it’s helpful to know the different types of agents from which to choose. Fort Worth agents are categorized either independent or exclusive depending on the company they work for. Both provide auto insurance policies, but it is important to understand the difference between them because it may have an impact on your selection of an agent.
Exclusive Agencies
These agents can only provide pricing for a single company and examples are Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to compare other company’s rates so always compare other rates. They receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates. Some consumers prefer to purchase coverage from exclusives partially due to the brand legacy rather than low rates.
Below are Fort Worth exclusive insurance agents who may provide you with price quotes.
- Marianne Leal – State Farm Insurance Agent
1205 N Main St – Fort Worth, TX 76164 – (817) 740-1508 – View Map - Sloan Clark – State Farm Insurance Agent
2606 S Cherry Ln – Fort Worth, TX 76116 – (817) 560-3344 – View Map - Allstate Insurance: Nicki Knowlton
5318 Birchman Ave – Fort Worth, TX 76107 – (817) 737-7555 – View Map
Independent Auto Insurance Agencies
Agents that elect to be independent are not locked into one company so as a result can place your coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies which makes it simple for you.
If you need cheaper auto insurance rates, it’s recommended you check rates from a few independent agents to get the best comparison. They also have the ability to place coverage with less well-known companies which could offer lower prices.
Below are Fort Worth independent agents who can help you get rate quotes.
- Al Boenker Insurance Agency, Inc.
6030 Jacksboro Hwy – Fort Worth, TX 76135 – (817) 306-2300 – View Map - Lucien Wright Insurance Services
6000 Western Pl #100 – Fort Worth, TX 76107 – (817) 335-3400 – View Map - Doc Jackson Insurance Agency
3305 Miller Ave – Fort Worth, TX 76119 – (817) 535-5000 – View Map
Coverages available on your policy
Learning about specific coverages of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Comprehensive (Other than Collision)
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as hitting a deer, fire damage and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability car insurance
Liability coverage protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 30/60/25 which means a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims like medical expenses, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford. Texas state law requires minimum liability limits of 30/60/25 but you should consider buying more coverage.
The illustration below shows why the minimum limit may not be adequate.
Auto collision coverage
Collision coverage pays for damage to your X3 caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible on your X3 to get cheaper collision coverage.
Protection from uninsured/underinsured drivers
This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your BMW X3.
Because many people only carry the minimum required liability limits (30/60/25 in Texas), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as prosthetic devices, doctor visits, hospital visits, X-ray expenses and dental work. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
Don’t give up on cheap rates
As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.
Consumers change insurance companies for many reasons like denial of a claim, policy non-renewal, high prices and extreme rates for teen drivers. Regardless of your reason for switching companies, switching companies is actually quite simple.
We just presented a lot of information how to find cheaper BMW X3 insurance in Fort Worth. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may even discover the best auto insurance rates are with a lesser-known regional company.
Steps to saving money on BMW X3 insurance in Fort Worth
It takes a little time, but the best way to get cheaper BMW X3 insurance in Fort Worth is to start comparing rates regularly from insurers in Texas.
- Read about what coverages are included in your policy and the measures you can take to prevent expensive coverage. Many rating criteria that cause rate increases like careless driving and a negative credit score can be improved by improving your driving habits or financial responsibility.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies.
- Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.
- Provide proper notification to your current company of your intention to cancel your current policy and submit a down payment and signed policy application to your new agent or company. Make sure you safely store the proof of insurance certificate somewhere easily accessible.
An important part of this process is to make sure you’re comparing identical deductibles and limits on each price quote and and to compare all possible companies. Doing this provides the most accurate price comparison and a good representation of prices.
To learn more, feel free to visit these articles:
- Liability Insurance Coverage (Nationwide)
- What Auto Insurance is Cheapest for a Chevrolet Traverse in Fort Worth? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for College Graduates in Fort Worth? (FAQ)
- Who Has the Cheapest Auto Insurance for a Dodge Journey in Fort Worth? (FAQ)
- Who Has Affordable Car Insurance Rates for a Nissan Rogue in Fort Worth? (FAQ)
- Who Has Cheap Fort Worth Car Insurance for Unemployed Drivers? (FAQ)
- Who Has Affordable Auto Insurance Rates for Teachers in Fort Worth? (FAQ)
- How Much is Auto Insurance for Uninsured Drivers in Fort Worth? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Medical Payments Coverage (Liberty Mutual)
- Rental Car Insurance Tips (Insurance Information Institute)