BMW 328i Insurance Rates in Fresno

Insurance quote for BMW 328i in FresnoIf you want to save money, the best way to find low-cost prices for BMW 328i insurance is to regularly compare quotes from insurers that insure vehicles in Fresno.

  1. Take a little time to learn about how companies set rates and the modifications you can make to lower rates. Many rating factors that increase rates such as traffic citations and poor credit history can be rectified by paying attention to minor details. Continue reading for additional ideas to find cheap rates and find overlooked discounts.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while agents who are independent can quote rates from multiple sources.
  3. Compare the new rate quotes to your existing rates to see if a cheaper rate is available. If you find a lower rate quote and decide to switch, ensure there is no coverage lapse between policies.

An important note is to use similar limits and deductibles on every price quote and and to look at every company you can. This ensures an apples-to-apples comparison and the best price quote selection.

It’s safe to conclude that insurance companies don’t want you to look at other companies. Consumers who shop around for cheaper rates are likely to move their business because there is a great chance of finding coverage at a cheaper rate. Remarkably, a study showed that people who regularly compared rates saved $3,400 over four years as compared to drivers who never compared prices.

If finding the cheapest price for auto insurance is the reason you’re reading this, then learning a little about how to choose a company and compare insurance coverage can make the process less intimidating.

BMW 328i insurance quotes comparison

When shopping for affordable BMW 328i insurance quotes, there are a couple of ways to compare rate quotes from all the different companies. The best method to compare BMW 328i insurance prices is to perform an online rate comparison.

Online shopping is fast and free, and it makes it obsolete to call or drive to each insurance agency near you. The ability to quote BMW 328i insurance online makes this unnecessary unless you want the professional abilities of an agent trained in personal lines coverage. It is possible to get the lowest quotes online and have a local agent actually service the policy.

Keep in mind that comparing more rates from different companies increases the chance that you will find the best price. Some regional insurers cannot provide rate quotes online, so you also need to get price quotes from the smaller companies as well.

The following companies provide free rate quotes in California. If multiple companies are listed, it’s highly recommended you compare several of them to find the most competitive car insurance rates.

Analysis of BMW 328i rates

The rate information displayed below showcases different insurance premium costs for BMW 328i models. Knowing how insurance quotes are determined is important for making decisions on the best policy coverages.


BMW 328i Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $428 $834 $596 $36 $178 $2,072 $173
328I 4-Dr Sedan $428 $834 $596 $36 $178 $2,072 $173
328I Station Wagon $476 $960 $508 $30 $152 $2,126 $177
328I 2-Dr Coupe $476 $960 $508 $30 $152 $2,126 $177
328I 2-Dr Coupe $476 $960 $508 $30 $152 $2,126 $177
328I xDrive 4-Dr Sedan $476 $960 $596 $36 $178 $2,246 $187
328I xDrive 4-Dr Sedan $476 $960 $596 $36 $178 $2,246 $187
328I 2-Dr Convertible $476 $960 $596 $36 $178 $2,246 $187
328I 2-Dr Convertible $476 $960 $596 $36 $178 $2,246 $187
328I 2-Dr Coupe $476 $960 $508 $30 $152 $2,126 $177
328I xDrive 2-Dr Coupe $476 $960 $508 $30 $152 $2,126 $177
328I xDrive Station Wagon $476 $960 $508 $30 $152 $2,126 $177
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in your specific Fresno location which can lower or raise premiums considerably.

Deductible analysis

The hardest decision when buying coverage is how low should you set your deductibles. The premium rates below approximate the rate difference between high and low physical damage coverage deductibles. The first data table uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.


BMW 328i insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
328I 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
328I Station Wagon $478 $932 $376 $22 $112 $1,945 $162
328I 2-Dr Coupe $478 $932 $376 $22 $112 $1,945 $162
328I 2-Dr Coupe $478 $932 $376 $22 $112 $1,945 $162
328I xDrive 4-Dr Sedan $478 $932 $442 $26 $132 $2,035 $170
328I xDrive 4-Dr Sedan $478 $932 $442 $26 $132 $2,035 $170
328I 2-Dr Convertible $478 $932 $442 $26 $132 $2,035 $170
328I 2-Dr Convertible $478 $932 $442 $26 $132 $2,035 $170
328I 2-Dr Coupe $478 $932 $376 $22 $112 $1,945 $162
328I xDrive 2-Dr Coupe $478 $932 $376 $22 $112 $1,945 $162
328I xDrive Station Wagon $478 $932 $376 $22 $112 $1,945 $162
Get Your Own Custom Quote Go

BMW 328i insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
328I 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
328I Station Wagon $266 $490 $376 $22 $112 $1,266 $106
328I 2-Dr Coupe $266 $490 $376 $22 $112 $1,266 $106
328I 2-Dr Coupe $266 $490 $376 $22 $112 $1,266 $106
328I xDrive 4-Dr Sedan $266 $490 $442 $26 $132 $1,356 $113
328I xDrive 4-Dr Sedan $266 $490 $442 $26 $132 $1,356 $113
328I 2-Dr Convertible $266 $490 $442 $26 $132 $1,356 $113
328I 2-Dr Convertible $266 $490 $442 $26 $132 $1,356 $113
328I 2-Dr Coupe $266 $490 $376 $22 $112 $1,266 $106
328I xDrive 2-Dr Coupe $266 $490 $376 $22 $112 $1,266 $106
328I xDrive Station Wagon $266 $490 $376 $22 $112 $1,266 $106
Get Your Own Custom Quote Go

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 safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle garaging location which can impact premiums significantly.

Based on these figures, using a $100 deductible will cost you approximately $56 more each month or $672 annually across all BMW 328i models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 16 months between claims, you would probably save some money if you choose the higher deductible.

Impact of speeding/accidents on auto insurance rates

The diagram below illustrates how violations and accidents can affect BMW 328i car insurance rates for each age group. The premium estimates are based on a married male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

Auto insurance rates based on gender in Fresno

The diagram below shows the comparison of BMW 328i insurance prices for male and female drivers. The rates are based on no claims or violations, full coverage, $1,000 deductibles, single marital status, and no discounts are factored in.

Full coverage versus liability-only

The information below illustrates the comparison of BMW 328i car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no accidents or driving violations, $250 deductibles, single marital status, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no definitive guideline to eliminate full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s assume your BMW 328i claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your policy deductible. If you are paying more than $300 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are a few cases where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Buying the right BMW vehicle insurance in California is an important decision

Despite the fact that insurance is not cheap in Fresno, insuring your vehicle is required for several reasons.

The benefits of buying insurance more than cancel out the cost, especially with large liability claims. The average driver in California is overpaying over $820 a year so shop around every year to save money.

Fresno Insurance Rates are Influenced by These Factors

It’s important that you understand a few of the rating criteria that come into play when calculating auto insurance rates. If you know what impacts premium levels, this enables informed choices that may reward you with cheaper rates. Lots of things are used when premium rates are determined. Some factors are common sense such as your driving history, but other criteria are not quite as obvious such as whether you are married or your vehicle rating.

The itemized list below are a few of the “ingredients” that factor into rates.

Keep auto insurance rates low by being claim-free – Companies in California give discounts to policyholders who do not rely on their insurance for small claims. If you file a lot of claims you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance is designed for more catastrophic claims.

Liability insurance limits on your policy – Liability coverage kicks in when a jury decides you are liable for causing personal injury or damage in an accident. Liability provides for a legal defense to defend your case. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.

Deter vehicle theft – Buying a car with a theft deterrent system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.

Only buy incidental coverages you need – Policies have extra bells and whistles that can waste your money on your 328i policy. Coverages like replacement cost coverage, death and dismemberment, and motor club memberships could be just wasting money. You may think they are a good idea when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.

Safer occupants lowers rates – Safe vehicles can get you lower premiums. The safest vehicles have better occupant injury protection and fewer injuries means less claims paid and thus lower rates.

Fresno car insurance companies

Ending up with a high-quality auto insurance provider can be challenging considering how many companies provide coverage in Fresno. The company ratings displayed below can help you pick which auto insurance companies you want to consider comparing rate quotes with.

Top 10 Fresno Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Fresno Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

The most affordable rates come from being thorough

As you quote Fresno auto insurance, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the lowest possible cost.

Budget-conscious BMW 328i insurance can be sourced online and with local Fresno insurance agents, so you need to shop Fresno auto insurance with both to have the best selection. There are still a few companies who do not offer price quotes online and most of the time these regional insurance providers prefer to sell through independent agents.

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