We don’t have to tell you that car insurance companies don’t want their policyholders to compare prices. Insureds who get comparison quotes at least once a year are very likely to switch to a new company because of the good chance of finding a cheaper policy. Remarkably, a study showed that drivers who compared price quotes annually saved as much as $72 a month compared to other drivers who never compared other company’s rates.
If finding the most affordable BMW 328i insurance is your target objective, understanding how to shop and compare insurance coverage can help simplify the process.
The recommended way to get affordable car insurance rates is to regularly compare price quotes from insurers who sell insurance in Chandler. Rates can be compared by completing these steps.
- First, it will benefit you to learn about how insurance works and the factors you can control to prevent expensive coverage. Many rating factors that increase rates such as speeding tickets, accidents and a lousy credit rating can be improved by improving your driving habits or financial responsibility.
- Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can provide price quotes from many different companies.
- Third, compare the price quotes to the price on your current policy and determine if cheaper 328i coverage is available. If you find a lower rate quote and switch companies, make sure coverage is continuous and does not lapse.
A good tip to remember is to make sure you enter the same liability limits and deductibles on each price quote and and to get quotes from as many carriers as you can. This ensures a level playing field and a complete selection of prices.
Cheap companies for BMW 328i insurance in Arizona
The following companies offer price quotes in Arizona. To locate cheap car insurance in Chandler, it’s highly recommended you get prices from several of them to get the most affordable price.
Insurance rate breakdown
The rate table displayed next covers a range of insurance prices for BMW 328i models. Learning a little about how auto insurance policy rates are calculated can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| 328I 4-Dr Sedan | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| 328I Station Wagon | $278 | $620 | $268 | $16 | $80 | $1,262 | $105 |
| 328I 2-Dr Coupe | $278 | $620 | $268 | $16 | $80 | $1,262 | $105 |
| 328I 2-Dr Coupe | $278 | $620 | $268 | $16 | $80 | $1,262 | $105 |
| 328I xDrive 4-Dr Sedan | $278 | $620 | $314 | $18 | $94 | $1,324 | $110 |
| 328I xDrive 4-Dr Sedan | $278 | $620 | $314 | $18 | $94 | $1,324 | $110 |
| 328I 2-Dr Convertible | $278 | $620 | $314 | $18 | $94 | $1,324 | $110 |
| 328I 2-Dr Convertible | $278 | $620 | $314 | $18 | $94 | $1,324 | $110 |
| 328I 2-Dr Coupe | $278 | $620 | $268 | $16 | $80 | $1,262 | $105 |
| 328I xDrive 2-Dr Coupe | $278 | $620 | $268 | $16 | $80 | $1,262 | $105 |
| 328I xDrive Station Wagon | $278 | $620 | $268 | $16 | $80 | $1,262 | $105 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Table data does not factor in specific Chandler garaging location which can impact rates significantly.
Responsible drivers pay cheaper Chandler auto insurance rates
The chart below shows how speeding tickets and accident claims influence BMW 328i insurance costs for different age categories. The costs are based on a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
How You Can Control BMW 328i Insurance Premiums
Lots of factors are part of the calculation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but some are not as apparent like your continuous coverage and annual miles driven.
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Youthful drivers cost more – Youthful drivers in Arizona have been known to be inattentive and easily distracted in a vehicle so insurance rates are higher. If you’ve ever had to add a beginning driver onto a policy can be quite pricey. More experienced drivers tend to be more responsible, statistically cause fewer accidents, and are generally more financially stable.
The chart below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
- When should you file claims? – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies in Arizona give discounts to insureds who file claims infrequently. Insurance coverage is intended for more catastrophic claims.
- Deter car thieves – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Systems that thwart thieves like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
- Getting married can lower prices – Walking down the aisle actually saves money on insurance. It demonstrates that you tend to be less irresponsible and it’s proven that married drivers get in fewer accidents.
- Cheaper insurance rates for prior coverage – Driving with no insurance can get you a ticket and any future policy may cost more because you let your coverage lapse. And not only will your rates increase, failure to provide proof of insurance may result in a steep fine or even jail time.
- Low stress occupation equals lower rates – Do you have a high-stress occupation? Jobs like fire fighters, airline pilots, and financial analysts usually pay higher rates than average attributed to stressful work requirements and lots of time spent away from family. Conversely, occupations like actors, engineers and retirees have the lowest average rates.
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Is car insurance cheaper for males or females? – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Females and males tend to get into auto accidents at a similar rate, but men get into accidents with more damage. Men also tend to have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
The illustration below illustrates the comparison of BMW 328i car insurance costs for male and female drivers. The prices are based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are applied.
- Little extras can really add up – There are quite a few add-on coverages that sound like a good idea at the time if you aren’t careful. Insurance for things like vanishing deductibles, towing, and extra life insurance coverage are probably not needed. These may sound like a good investment when discussing your needs, but now you might not need them so consider taking them off your policy.
Lower-cost BMW 328i insurance in Chandler
Some providers don’t always publicize the entire discount list very well, so we researched some of the more common as well as some of the hidden savings tricks you should be using when you buy Chandler auto insurance online. If you don’t get every credit possible, it’s possible you qualify for a lower rate.
- Professional Memberships – Belonging to a civic or occupational organization in Chandler may earn a discount on insurance.
- Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts can get savings of up to 25% or more.
- Drivers Ed for Students – Have your child successfully take a driver’s education course in high school.
- Cautious Driver Discounts – Accident-free drivers can save up to 40% or more on their Chandler auto insurance quote than their less cautious counterparts.
- Good Student – Being a good student may save as much as 25% on a Chandler auto insurance quote. The discount lasts up to age 25.
- Driver Training Discounts – Successfully completing a defensive driver class could possibly earn you a 5% discount and easily pay for the cost of the class.
- Multi-car Discount – Purchasing coverage when you have all your vehicles with one company can get a discount for every vehicle.
- Life Insurance Discount – Larger companies have better premium rates if you take out a life policy as well.
One thing to note about discounts is that most discounts do not apply to the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.
The example below illustrates the difference between BMW 328i insurance rates with and without discounts applied. The premiums assume a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, homeowner, multi-policy, and claim-free discounts applied.
Insurance companies that may include these money-saving discounts include:
If you need affordable BMW 328i insurance quotes, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your state. To choose insurance companies that offer some of these discounts in Arizona, click here.
Auto insurance quotes from local Chandler insurance agencies
Many drivers just prefer to get professional advice from a licensed agent and that is just fine! An additional benefit of comparing rates online is you may find cheaper premium rates and still buy from a local agent.
After completing this short form, your information gets sent to local insurance agents in Chandler who will return price quotes to get your business. It makes it easy because there is no need to find an agent on your own because quoted prices will be sent to the email address you provide. You can find lower rates without a big time investment. If for some reason you want to get a rate quote for a specific company, you would need to go to their quote page and submit a quote form there.
Deciding on a insurer shouldn’t rely on just a low price. The questions below may impact your decision as well.
- Does the agency support the community they serve?
- Is the agent CPCU or CIC certified?
- What insurance companies do they work with in Chandler?
- What kind of financial rating does the company have?
- Do they make recommendations based only on price?
- Can you get a list of referrals?
When narrowing the list to find a reliable insurance agency, it helps to know the two different types of agencies to choose from. Agents in Chandler can either be independent or exclusive.
Exclusive Auto Insurance Agents
Agents that elect to be exclusive are contracted to one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. They receive a lot of sales training on the products they sell which helps overcome the inability to quote other rates. Many people use the same agent partially due to the brand legacy and strong financial ratings.
The following are Chandler exclusive insurance agents who can help you get rate quotes.
- Jason Earl – State Farm Insurance Agent
3120 S Gilbert Rd #4 – Chandler, AZ 85286 – (480) 895-2040 – View Map - Tammy White – State Farm Insurance Agent
610 N Alma School Rd #22 – Chandler, AZ 85224 – (480) 963-7007 – View Map - Farmers Insurance – Tom Sisouvanh
3170 S Gilbert Rd #5 – Chandler, AZ 85286 – (480) 409-1515 – View Map
Independent Auto Insurance Agents
Independent agents often have many company appointments so they can insure your vehicles with an assortment of companies and find you cheaper rates. If prices rise, the agent simply finds a different carrier and you stay with the same agent.
When comparing auto insurance rates, we recommend you get some free quotes from at least one independent agent so that you can do a thorough price comparison. Most also have access to smaller regional carriers which could offer lower prices.
Shown below are independent agents in Chandler that are able to give price quote information.
- Allied Insurance Group
2231 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 634-5222 – View Map - Oasis Insurance
1200 N Arizona Ave #3 – Chandler, AZ 85225 – (480) 782-9202 – View Map - Southwind Ins Agency, Inc.
2169 E Warner Rd Suite 103 – Tempe, AZ 85284 – (480) 543-1797 – View Map
After talking to the agent and getting satisfactory answers to all your questions and a good coverage price, you’ve probably found an insurance agent that can service your policy.
Don’t assume everyone needs the same car insurance coverage
When selecting the best car insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and your car insurance should unique, too.
For instance, these questions might point out whether or not you might need professional guidance.
- How can I get my company to pay me more for my totaled car?
- When should my teen driver be added to my policy?
- Should I drop comprehensive coverage on older vehicles?
- Is my dog or cat covered if injured in an accident?
- Is my camper covered by my car insurance policy?
- What are the liability requirements in my state?
- Do I have newly-acquired coverage?
- What is no-fault insurance?
- How can I force my company to pay a claim?
- What if I total my BMW 328i and owe more than it’s worth?
If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.
What is YOUR best insurance company?
Budget-conscious BMW 328i insurance can be purchased both online as well as from insurance agents, so you need to quote Chandler auto insurance with both in order to have the best price selection to choose from. A few companies do not offer online rate quotes and many times these smaller providers work with local independent agents.
In this article, we covered a lot of tips how to reduce BMW 328i insurance rates online in Chandler. The key concept to understand is the more companies you get car insurance rates for, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from a lesser-known regional company. They may often insure only within specific states and give better rates than the large multi-state companies such as State Farm or Progressive.
For more information, feel free to visit the articles below:
- What is a Telematics Device? (Allstate)
- How Much are Car Insurance Rates for a GMC Sierra in Chandler? (FAQ)
- Who Has Affordable Chandler Car Insurance Quotes for Retired Military? (FAQ)
- Who Has Cheap Chandler Car Insurance Quotes for Drivers Over Age 50? (FAQ)
- What Car Insurance is Cheapest for a Kia Forte in Chandler? (FAQ)
- How Much is Auto Insurance for Police Officers in Chandler? (FAQ)
- Who Has Affordable Chandler Auto Insurance for a Toyota RAV4? (FAQ)
- Who Has Affordable Car Insurance Rates for Uninsured Drivers in Chandler? (FAQ)
- Who Has Affordable Chandler Auto Insurance for Drivers Under 25? (FAQ)
- Who Has the Cheapest Chandler Auto Insurance Rates for a Ford F-150? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Liability Insurance Coverage (Nationwide)