1983 Bmw 316 - car insurance quotes

How much does it cost to insure a  Bmw 316 1.572 cc in 2023?

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The average insurance rate is at $849 per year for  adults, $1,409 for  teens and $704 for  senior drivers.

How much does 1983 Bmw 316 car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Bmw 316 (this trim level of the 1983 316) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Bmw 316 is above $59 a month ($707 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Bmw you drive (https://www.bmw.com/en/home.html)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Bmw model with 89 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Bmw 316 if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.

On average, car insurance cost for a 1983 Bmw 316 is $59 a month, which is around $707 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How much is car insurance for a 42-year-old classic car?

If you are an owner of 42-years-old Bmw 316 classic car, you are a happy holder of a collector's, historic, vintage or even antique car. Older vehicles are typically cheaper to insure because they are less valuable than newer models. This, unfortunately, does not apply to classic, special and historic cars older than 35 years, such as Bmw 316 made in 1983. How can you lower the cost of your classic car insurance? Limit your mileage and increase your security! Most collectible, antique and classic vehicles are poorly protected against theft. Buy and install a tracking device, alarm or anti-theft system into your 1983 316. Given that collector and historic automobiles are not just "consumer" vehicles, it is very important to buy a specialised classic car insurance policies to protect these antique vehicles against damage, vandalism and the increased risk of theft.

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Bmw 316, has engine power of 1572 cc, which means it is a medium-powered classic car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower car insurance rates for your historic or collector's vehicle, be sure you buy one that isn't a high performer. There are some factors to consider when insuring a classic car. Cost of sourcing parts for your model of 1983 Bmw 316 as well as the cost of repairs. You can also adjust your coverage levels if you would like to lower your premium and monthly payments. If you’re looking for antique car insurance coverage, you might need to find trusted and experienced insurance agent in your area who will assure you car insurance tailored to your specific needs.

Compare 1983 Bmw 316 car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Bmw, 316 is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Bmw (made in 1983) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Bmw 316 auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!

How much is car insurance for a 1983 Bmw 316 in 2023? As you can see below, the lowest rates are around $628.8, while the highest ones fluctuate around $1320.48 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.

Insurance Company	Annual Rates (Estimate*)
GEICO	$670
American Family	$654
Erie	$653
Progressive	$770
State Farm	$848
Auto Owners	$753
State Auto	$893
Nationwide	$868
Farmers	$758
Allstate	$1,075
Safe Auto	$1,137
MetLife	$1,214
Victoria	$1,288
Allied	$909
Liberty Mutual	$1,083
Encompass	$1,349
* Just a rough estimate for 1983 Bmw 316, this trim level of the 1983 316

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model 316, make Bmw) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Bmw, 316 will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?

• Don't ignore small regional insurers.
• Review your existing coverage and choose a higher deductible.
• Shopping around is the key to saving money on car insurance.
• Negotiate with an agent or directly with auto insurance company.
• Check for 1983 316 car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
• If you don't qualify for these discounts, explore other options available or switch the insurance company.
• Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 1983 Bmw 316 auto insurance rates by state!

How to calculate premium for Bmw 316 (1983) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 1983 316 () car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).

Rank	State	Lowest Rates	Highest Rates
1	Vermont	$472	$660
2	Ohio	$478	$673
3	Idaho	$490	$692
4	Virginia	$509	$723
5	Iowa	$528	$748
6	New Hampshire	$553	$761
7	Wisconsin	$560	$780
8	North Dakota	$572	$824
9	Indiana	$585	$868
10	North Carolina	$597	$899
11	Pennsylvania	$604	$949
12	Utah	$616	$962
13	Maine	$623	$981
14	Massachusetts	$635	$1,000
15	Alaska	$641	$1,012
16	Tennessee	$648	$1,038
17	South Dakota	$654	$1,094
18	Nebraska	$660	$1,126
19	Minnesota	$667	$1,144
20	Illinois	$667	$1,163
21	Hawaii	$673	$1,188
22	Alabama	$679	$1,207
23	Oregon	$685	$1,226
24	Missouri	$692	$1,270
25	Washington	$723	$1,314
26	South Carolina	$729	$1,346
27	Kansas	$748	$1,371
28	New Mexico	$761	$1,402
29	Arizona	$780	$1,415
30	New York	$792	$1,421
31	National average	$817	$1,440
32	New Jersey	$830	$1,484
33	West Virginia	$855	$1,497
34	Mississippi	$874	$1,515
35	Maryland	$893	$1,534
36	Montana	$918	$1,566
37	Nevada	$937	$1,578
38	Arkansas	$949	$1,603
39	Kentucky	$956	$1,629
40	Oklahoma	$987	$1,647
41	Wyoming	$1,006	$1,660
42	Colorado	$1,031	$1,691
43	Texas	$1,050	$1,704
44	Delaware	$1,075	$1,729
45	Georgia	$1,100	$1,735
46	California	$1,126	$1,754
47	DC	$1,144	$1,767
48	Connecticut	$1,170	$1,786
49	Rhode Island	$1,182	$1,792
50	Florida	$1,201	$1,830
51	Louisiana	$1,226	$1,855
52	Michigan	$1,251	$1,886
* Compare 1983 Bmw 316 car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Is it a good idea for a young driver to drive a car like 1983 Bmw 316 (Manual transmission, 4000 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Bmw 316 annual insurance cost for a 16 year old is approximately $1446.24, while the cost of the same coverage for seniors aged 70 - 74 is $666.528. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Bmw, 316 have 1572 cc, 89 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?

Your Age	Average Rate (Estimate*)
16 - 19	$1,383
20 - 24	$1,346
25 - 29	$1,132
30 - 34	$975
35 – 39	$786
40 – 44	$817
45 – 49	$748
50 – 54	$654
55 – 59	$805
60 – 64	$673
65 – 69	$704
70 – 74	$635
75 and more	$654
* Rough estimate for teens, adults and seniors who are driving Bmw 316 (1983)

Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $534 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Bmw, 316 good for senior drivers? If you have questions or issues relevant to Bmw 316 or another vehicle, please ask in the discussion.

You know you need to insure your 1983 Rear Bmw, 316, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Bmw 316: Exterior Specs, Features & Options

The engine of Bmw, 316 (4 cyl) is mated to a Manual transmission, that in this case, sends power to the Rear. 316 Coupe, 1572 CC (liter), 89 ps (98.6% of a brake horsepower) is matched to an this trim level of the 1983 316 for 1983. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Bmw, 316 has horsepower of 89 ps & 1572 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model this trim level of the 1983 316 has an engine torque of 140 nm & 4000 rpm. The power and maximum speed of the Bmw 316 vehicle (sorry, we do not know how fast will Bmw, 316 accelerate to 100 km per hour/100 Kph & 175 Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (990 kg is the weight of this model), its engine torque and the engine rotation speed.