If saving the most money is your goal, then the best way to save on BMW 328i insurance in Tucson is to make a habit of comparing prices annually from insurance carriers who can sell car insurance in Arizona.
- First, read about what coverages are included in your policy and the factors you can control to lower rates. Many things that drive up the price like speeding and poor credit history can be amended by making lifestyle changes or driving safer.
- Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agencies can give you price quotes for many different companies.
- Third, compare the new rates to the premium of your current policy and determine if there is any savings. If you find a lower rate quote and decide to switch, verify that coverage does not lapse between policies.
The most important part of shopping around is to make sure you’re comparing the same level of coverage on every quote request and and to compare as many auto insurance providers as possible. This enables a fair price comparison and a thorough price selection.
It’s hard to believe, but most drivers in Arizona kept their policy with the same company for four years or more, and almost half have never even shopped around for cheaper coverage. With the average car insurance premium being $1,847, American drivers could save about $859 a year by just comparing quotes, but they underestimate the large savings they would see if they switch to a new company.
Car insurance policy discounts for BMW 328i insurance in Tucson
Car insurance is neither fun to buy or cheap, but you can get discounts to help bring down the price. Some trigger automatically when you purchase, but some discounts are required to be asked for prior to getting the savings.
- Save with More Vehicles Insured – Having primary and secondary vehicles on the same car insurance policy may reduce the rate for each vehicle.
- Active Service Discounts – Having a family member in the military could qualify you for better premium rates.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and therefore earn up to a 10% discount.
- Driver’s Education for Students – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.
- Discounts for Responsible Drivers – Drivers without accidents may receive a discount up to 45% than less cautious drivers.
- Discounts for New Vehicles – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
- Auto/Home Discount – When you combine your auto and homeowners insurance with one insurance company you could earn a discount of approximately 10% to 15%.
As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, it’s just not the way it works.
The information below visualizes the comparison of BMW 328i insurance costs with and without discounts being applied to the rates. The data assumes a female driver, no claims or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, safe-driver, multi-car, and marriage discounts applied.
A list of companies and their possible discounts are included below.
- GEICO may include discounts for emergency military deployment, multi-policy, seat belt use, multi-vehicle, driver training, good student, and five-year accident-free.
- Auto-Owners Insurance includes discounts for paid in full, anti-theft, group or association, student away at school, anti-lock brakes, and teen driver.
- American Family offers discounts including early bird, accident-free, TimeAway discount, defensive driver, and bundled insurance.
- Esurance discounts include good driver, paid-in-full, anti-theft, homeowner, defensive driver, and emergency road assistance.
- Progressive has savings for online quote discount, continuous coverage, good student, online signing, multi-vehicle, and homeowner.
- State Farm has discounts for passive restraint, safe vehicle, student away at school, anti-theft, and defensive driving training.
- AAA policyholders can earn discounts including multi-car, good student, multi-policy, anti-theft, good driver, and AAA membership discount.
Before buying, ask each company what discounts are available to you. Some discounts listed above may not apply to policyholders in Tucson. If you would like to see a list of insurers with the best discounts in Arizona, click here to view.
The most recommended method to get rate comparisons for BMW 328i insurance in Tucson takes advantage of the fact most larger insurance companies have advanced systems to give free rates quotes. All you need to do is give the companies some data such as how your vehicles are used, how much education you have, the year, make and model of vehicles, and an estimate of your credit level. Your details is instantly submitted to multiple different insurance companies and they provide comparison quotes immediately.
To start a rate quote now, click here and complete the quick form.
The providers in the list below have been selected to offer free quotes in Tucson, AZ. If you want the best cheap car insurance in Tucson, it’s highly recommended you get price quotes from several of them to get a more complete price comparison.
Insurance data for a BMW 328i
The premium information displayed below highlights estimates of insurance policy prices for BMW 328i models. Having insight into how auto insurance policy rates are figured can be valuable when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $208 | $426 | $362 | $22 | $108 | $1,126 | $94 |
| 328I 4-Dr Sedan | $208 | $426 | $362 | $22 | $108 | $1,126 | $94 |
| 328I Station Wagon | $232 | $492 | $308 | $18 | $92 | $1,142 | $95 |
| 328I 2-Dr Coupe | $232 | $492 | $308 | $18 | $92 | $1,142 | $95 |
| 328I 2-Dr Coupe | $232 | $492 | $308 | $18 | $92 | $1,142 | $95 |
| 328I xDrive 4-Dr Sedan | $232 | $492 | $362 | $22 | $108 | $1,216 | $101 |
| 328I xDrive 4-Dr Sedan | $232 | $492 | $362 | $22 | $108 | $1,216 | $101 |
| 328I 2-Dr Convertible | $232 | $492 | $362 | $22 | $108 | $1,216 | $101 |
| 328I 2-Dr Convertible | $232 | $492 | $362 | $22 | $108 | $1,216 | $101 |
| 328I 2-Dr Coupe | $232 | $492 | $308 | $18 | $92 | $1,142 | $95 |
| 328I xDrive 2-Dr Coupe | $232 | $492 | $308 | $18 | $92 | $1,142 | $95 |
| 328I xDrive Station Wagon | $232 | $492 | $308 | $18 | $92 | $1,142 | $95 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific location information which can raise or lower price quotes greatly.
Policy deductible comparison
One of the hardest decisions when shopping for insurance is how high should your deductibles be. The comparison tables below may help you to understand the premium difference when you buy lower versus higher comp and collision deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 328I 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 328I Station Wagon | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 328I 2-Dr Coupe | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 328I 2-Dr Coupe | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 328I xDrive 4-Dr Sedan | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| 328I xDrive 4-Dr Sedan | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| 328I 2-Dr Convertible | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| 328I 2-Dr Convertible | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| 328I 2-Dr Coupe | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 328I xDrive 2-Dr Coupe | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 328I xDrive Station Wagon | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 328I 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 328I Station Wagon | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| 328I 2-Dr Coupe | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| 328I 2-Dr Coupe | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| 328I xDrive 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 328I xDrive 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 328I 2-Dr Convertible | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 328I 2-Dr Convertible | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 328I 2-Dr Coupe | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| 328I xDrive 2-Dr Coupe | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| 328I xDrive Station Wagon | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in zip code location which can revise premium rates greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $38 more each month or $456 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 24 months between claims, you would probably come out ahead going with the higher deductible.
Driving violations and accidents
The illustration below shows how speeding tickets and fender-benders can increase BMW 328i insurance premiums for different ages of insureds. The premium estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Difference between full coverage and liability only rates
The information below visualizes the comparison of BMW 328i insurance rates when comparing full coverage to state minimum liability only. The premiums assume no violations or claims, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Should you pay for full coverage?
There is no written rule of when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your BMW 328i replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If you are paying more than $800 a year for full coverage, then you might consider buying liability only.
There are some cases where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.
Informed Drivers Know How to Buy Insurance More Affordably
One of the most helpful ways to save on insurance is to to have a grasp of some of the things that help determine the rates you pay for insurance. If you know what influences your rates, this enables informed choices that could help you find big savings. Lots of factors are part of the equation when you quote your car insurance policy. Some are obvious such as your driving history, but others are not as apparent like your vehicle usage or your vehicle rating.
Shown below are a partial list of the pieces insurance companies consider when setting rates.
Lower performance equals lower insurance prices – The performance level of the car you drive makes a substantial difference in your premium level. The cheapest insurance rates are usually found on low performance passenger vehicles, but that’s not the only thing that factors into the final price.
The chart below assumes a married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. The data compares BMW 328i insurance rates compared to other vehicles that have different performance risks.
Liability insurance is important – Liability coverage is the coverage that protects you if you are found to be at fault for damages caused by your negligence. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to physical damage coverage, so buy as much as you can afford.
Keep rates low by being claim-free – Car insurance companies in Arizona provide most affordable rates to insureds who are not frequent claim filers. If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Your car insurance is designed for the large, substantial claims.
Teen vs. mature drivers – Beginning drivers in Arizona have a tendency to be inattentive when driving with friends so they pay higher insurance rates. Having to add a beginning driver onto your insurance can break the bank. Older, more experienced drivers have been proven to be more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets.
The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Raising coverage deductibles saves money – Coverage for physical damage, also called comprehensive and collision insurance, covers your vehicle from damage. Some coverage claims are a broken side mirror, collision with an animal, and having your car stolen. Comprehensive and collision coverage deductibles are the amount of money you are required to spend if a covered claim is submitted. The higher the amount you choose to pay out-of-pocket, the less your insurance will be.
Never allow your insurance policy to lapse – Driving without insurance coverage in place is a big no-no and your next policy will cost more because you let your coverage lapse. In addition to paying higher rates, getting caught without coverage could result in a steep fine or even jail time.
Qualify for multi-policy discounts – Most insurance companies will award discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s always a smart idea to get quotes from other companies to ensure the best deal.
Alarms and GPS tracking lower insurance rates – Choosing to buy a car with a theft deterrent system can help bring down rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.
Independent versus exclusive car insurance agents
Certain consumers just prefer to get advice from a local agent and that can be a great decision The best thing about getting free rate quotes online is that you can obtain cheaper prices but also keep your business local.
Once you complete this short form, your coverage information is transmitted to agents in your area who can give free rate quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to find an agent due to the fact that quote results will go immediately to your email address. Get lower rates without a big time investment. If you want to get a rate quote for a specific company, you can always jump over to their website and fill out their quote form.
Finding the right insurance company needs to be determined by more than just the quoted price. Any agent in Tucson should be willing to answer these questions.
- What insurance company do they write the most business with?
- Do you qualify for any additional discounts?
- Do they carry Errors and Omissions coverage?
- How long has the business existed?
- When do they do a full risk review?
- Will they give you a referral list?
- Are they involved in claim handling?
Different types of Tucson car insurance agents
When searching for a reputable agency, it’s important to understand the different types of agencies and how they can service your needs differently. Car insurance policy providers may be either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
Exclusive agents generally can only insure with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to compare other company’s rates so they have to upsell other benefits. Exclusive agencies are highly trained on the products they sell and that allows them to sell at a higher price point.
Below are Tucson exclusive agencies who can help you get comparison quotes.
Tim Hill – State Farm Insurance Agent
727 N Swan Rd – Tucson, AZ 85711 – (520) 321-1333 – View Map
Allstate Insurance: Shannon Burke
2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683 – View Map
American Family Insurance – Kristi Frank Agency Inc.
4319 E Broadway Blvd – Tucson, AZ 85711 – (520) 323-0017 – View Map
Independent Agents (or Brokers)
These type of agents are not employed by any specific company so they can write business with multiple insurance companies and find the cheapest car insurance rates. If prices rise, they simply move your policy to a different company which is easy for the insured. When comparing car insurance rates, we recommend you contact independent agents to get the best comparison.
Below is a short list of independent insurance agencies in Tucson that are able to give comparison quotes.
Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727 – View Map
Clements
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456 – View Map
Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900 – View Map
Here’s why auto insurance is not optional
Despite the potentially high cost of BMW 328i insurance, insurance may be required for several reasons.
- Just about all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability insurance in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your BMW 328i with a loan, most lenders will force you to buy full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender may insure your BMW at a much higher rate and force you to reimburse them the higher price.
- Insurance safeguards not only your BMW but also your financial assets. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your BMW as the result of the weather or an accident, your auto insurance policy will pay to repair the damage minus the deductible amount.
The benefits of buying auto insurance definitely exceed the price paid, specifically if you ever have a liability claim. As of last year, the average driver in Arizona is overpaying more than $700 annually so it’s very important to do a rate comparison at every renewal to be sure current rates are still competitive.
Lower rates by being persistent
We just showed you some good ideas how to save on BMW 328i insurance in Tucson. The key thing to remember is the more you quote Tucson car insurance, the better likelihood of getting cheaper Tucson car insurance quotes. You may even be surprised to find that the best price on car insurance is with an unexpected company. They may only write in your state and offer lower prices than their larger competitors like Allstate or State Farm.
Lower-priced car insurance in Tucson is definitely available online in addition to many Tucson insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not provide rates over the internet and most of the time these regional carriers provide coverage only through independent agents.
To learn more, feel free to browse the resources below:
- Where can I buy Insurance? (Insurance Information Institute)
- What Car Insurance is Cheapest for State Employees in Tucson? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with a Bad Driving Record in Tucson? (FAQ)
- How Much is Auto Insurance for Drivers with a DUI in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers Under 21 in Tucson? (FAQ)
- How Much is Tucson Auto Insurance for a GMC Acadia? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Teen Driving Statistics (GEICO)