Affordable Insurance for a BMW 328i in Riverside

Discount BMW 328i insuranceIt’s a fact that car insurance companies want to prevent you from shopping around. Insureds who get comparison quotes once a year will, in all likelihood, buy a different policy because they have a good chance of finding more affordable rates. Remarkably, a study showed that consumers who faithfully checked for cheaper rates saved approximately $865 a year compared to drivers who never shopped around for lower prices.

If saving the most money on BMW 328i insurance is your objective, then having an understanding of how to quote and compare auto insurance can help simplify the process.

The recommended way to get low-cost car insurance rates in Riverside is to start doing a yearly price comparison from insurance carriers who provide car insurance in California.

An important part of this process is to make sure you’re comparing similar limits and deductibles on every quote request and and to get rates from as many companies as feasibly possible. This guarantees a fair rate comparison and a complete price analysis.

Cheapest companies for BMW 328i insurance in California

The companies shown below provide free rate quotes in California. If multiple providers are shown, we recommend you compare several of them to find the cheapest auto insurance rates.

Facts and figures for BMW 328i insurance

The coverage information shown below outlines a range of insurance costs for BMW 328i models. Having insight into how policy rates are figured is important for making smart buying decisions.


BMW 328i Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $204 $418 $464 $28 $138 $1,252 $104
328I 4-Dr Sedan $204 $418 $464 $28 $138 $1,252 $104
328I Station Wagon $228 $482 $394 $24 $118 $1,246 $104
328I 2-Dr Coupe $228 $482 $394 $24 $118 $1,246 $104
328I 2-Dr Coupe $228 $482 $394 $24 $118 $1,246 $104
328I xDrive 4-Dr Sedan $228 $482 $464 $28 $138 $1,340 $112
328I xDrive 4-Dr Sedan $228 $482 $464 $28 $138 $1,340 $112
328I 2-Dr Convertible $228 $482 $464 $28 $138 $1,340 $112
328I 2-Dr Convertible $228 $482 $464 $28 $138 $1,340 $112
328I 2-Dr Coupe $228 $482 $394 $24 $118 $1,246 $104
328I xDrive 2-Dr Coupe $228 $482 $394 $24 $118 $1,246 $104
328I xDrive Station Wagon $228 $482 $394 $24 $118 $1,246 $104
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in specific location information which can alter price quotes significantly.

Physical damage deductibles: Should you raise them?

A question often asked by Riverside drivers is which comprehensive and collision deductibles to buy. The comparisons below highlight the costs and benefits when you buy lower versus higher physical damage deductibles. The first pricing table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.


BMW 328i insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
328I 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
328I Station Wagon $430 $780 $376 $22 $112 $1,745 $145
328I 2-Dr Coupe $430 $780 $376 $22 $112 $1,745 $145
328I 2-Dr Coupe $430 $780 $376 $22 $112 $1,745 $145
328I xDrive 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
328I xDrive 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
328I 2-Dr Convertible $430 $780 $442 $26 $132 $1,835 $153
328I 2-Dr Convertible $430 $780 $442 $26 $132 $1,835 $153
328I 2-Dr Coupe $430 $780 $376 $22 $112 $1,745 $145
328I xDrive 2-Dr Coupe $430 $780 $376 $22 $112 $1,745 $145
328I xDrive Station Wagon $430 $780 $376 $22 $112 $1,745 $145
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BMW 328i insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
328I 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
328I Station Wagon $348 $630 $376 $22 $112 $1,488 $124
328I 2-Dr Coupe $348 $630 $376 $22 $112 $1,488 $124
328I 2-Dr Coupe $348 $630 $376 $22 $112 $1,488 $124
328I xDrive 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
328I xDrive 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
328I 2-Dr Convertible $348 $630 $442 $26 $132 $1,578 $132
328I 2-Dr Convertible $348 $630 $442 $26 $132 $1,578 $132
328I 2-Dr Coupe $348 $630 $376 $22 $112 $1,488 $124
328I xDrive 2-Dr Coupe $348 $630 $376 $22 $112 $1,488 $124
328I xDrive Station Wagon $348 $630 $376 $22 $112 $1,488 $124
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in garaging location in Riverside which can increase or decrease coverage prices greatly.

Using the data above, we can ascertain that using a $250 deductible will cost you about $21 more each month or $252 each year than quoting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 12 months between claims, you would probably save some money if you opt for a higher deductible.

Car insurance rates are higher with tickets and accidents

The example below demonstrates how speeding tickets and accident claims impact BMW 328i insurance rates for different age groups. The data is based on a single female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

Comparison of full coverage and liability-only policies

The diagram below shows the comparison of BMW 328i auto insurance rates with and without physical damage coverage. The prices are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied.

Should you buy full coverage or liability only?

There is no clear-cut rule of when to exclude full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your BMW 328i replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If you are paying more than $400 a year for physical damage coverage, then it might be time to buy liability only.

There are some conditions where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Take policy discounts and save on BMW 328i insurance in Riverside

Auto insurance companies do not advertise the entire discount list in a way that’s easy to find, so we took the time to find some of the more common as well as some of the hidden credits that you can use to lower your rates.Insurance discounts

You can save money using discounts, but most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

The chart below compares BMW 328i insurance costs with and without some available policy discounts. The costs are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, safe-driver, and multi-policy discounts applied.

To choose insurance companies with significant discounts in California, click here to view.

Seven Tips to Get More Affordable Riverside Insurance Prices

Many things are part of the equation when pricing auto insurance. Some factors are common sense like an MVR report, but other criteria are more obscure like where you live or your financial responsibility. Part of the auto insurance buying process is learning the different types of things that help determine your premiums. When you understand what influences your rates, this enables you to make decisions that can help you get big savings.

Listed below are some of the factors that factor into premiums.

Multi-policy discounts can save money – Most major insurers will award better rates to customers who consolidate policies with them. It’s known as a multi-policy discount. Even if you qualify for this discount already, consumers should still shop around to guarantee you are still saving the most.

Teenage drivers cost more – Teenage drivers in California are known to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Mature drivers have been proven to be more responsible, cause fewer claims and accidents, and are generally more financially stable.

The following data assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Small claims can cost you – Companies in California generally give the best rates to insureds who only file infrequent claims. If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.

Gender and auto insurance prices – Over time, data shows that women are safer drivers than men. However, don’t assume that women are better drivers. Males and females are in at-fault accidents at a similar rate, but men tend to have more serious accidents. They also have more aggressive citations like driving under the influence (DUI).

The information below illustrates the difference between BMW 328i annual premium costs for male and female drivers. The information is based on no claims or driving violations, full coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.

Lower premiums for safer cars – Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and fewer injuries means your insurance company pays less and thus lower rates. If the BMW 328i scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.

Drive a fast car, truck or SUV and pay more – The type of car or truck you need insurance for makes a substantial difference in your car insurance bill. The cheapest rates will generally be found on low performance passenger vehicles, but many other things help determine your insurance rates.

The data below uses these assumptions: married female driver age 40, full coverage with $250 deductibles, and no discounts or violations. It shows BMW 328i insurance premiums compared to other models that have different performance risks.

Having a spouse is a bonus – Getting married can actually save you money on your auto insurance bill. It translates into being more financially stable and insurance companies reward insureds because being married results in fewer claims.

Do I need a local insurance agent?

A small number of people still like to sit down and talk to an agent and that can be a great decision An additional benefit of comparing rate quotes online is you may find lower rates and still choose a local agent.

Once you complete this quick form, the coverage information gets sent to local insurance agents in Riverside who will give you bids for your insurance coverage. It’s much easier because you don’t need to find an agent since price quotes are sent to the email address you provide. You can most likely find cheaper rates and an insurance agent to talk to. If you wish to get a price quote from a particular provider, just navigate to their website to submit a rate quote request.

Selecting an insurance company should depend on more than just the quoted price. These are some questions your agent should answer.

Not all auto insurance agents are the same

When researching a reputable insurance agent or broker, it can be helpful to understand the different types of agencies from which to choose. Insurance agents may be either independent (non-exclusive) or exclusive.

Exclusive Agents

Agents that choose to be exclusive normally can only provide a single company’s rates and examples are Farmers Insurance, State Farm, or Allstate. These agents are unable to place coverage with different providers so they have no alternatives for high prices. These agents are usually well trained on the products they sell which helps overcome the inability to quote other rates. Consumers often buy from the same agent for years mostly because of the brand rather than low rates.

The following is a list of exclusive insurance agencies in Riverside who can help you get rate quotes.

More Riverside agents

Independent Agents (or Brokers)

Independent agencies do not work for one specific company so they can write business with lots of companies and possibly get better coverage at lower prices. If your premiums go up, the business is moved internally and you won’t have to switch agencies. If you are trying to find cheaper rates, you definitely need to get quotes from at a minimum one independent agency to have the most options to choose from. Many can place coverage with lesser-known insurance companies that may have much lower rates than larger companies.

Listed below are Riverside independent agents who can help you get price quote information.

More Riverside agents

After getting good feedback for all questions you ask as well as offering an affordable quote, chances are good that you have found an insurance agency that is a good match to service your policy. Keep in mind you have the power to cancel your coverage whenever you wish so never assume that you are obligated to your new company for the full term.

Find cheap rates by being thorough

Cheaper BMW 328i insurance in Riverside is attainable both online in addition to many Riverside insurance agents, so get free Riverside auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not offer the ability to get a quote online and many times these regional carriers only sell through independent insurance agencies.

Insureds leave their current company for any number of reasons including questionable increases in premium, not issuing a premium refund, lack of trust in their agent or even denial of a claim. It doesn’t matter why you want to switch finding a new company can be easy and end up saving you some money.

We just showed you many tips how you can get a better price on BMW 328i insurance in Riverside. It’s most important to understand that the more times you quote, the better chance you’ll have of finding low cost Riverside auto insurance quotes. Consumers may even find the most savings is with the smaller companies.

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