It takes a few minutes, but the best way to find cheaper quotes for BMW 328i insurance in Long Beach is to start comparing prices yearly from different companies that insure vehicles in California. Rate comparisons can be done by following these steps.
- Step 1: Take a little time to learn about how insurance companies determine prices and the changes you can make to prevent expensive coverage. Many things that increase rates like high-risk driving behaviors and an imperfect credit score can be amended by improving your driving habits or financial responsibility. This article gives information to help prevent costly coverage and find overlooked discounts.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple companies. Click to view companies
- Step 3: Compare the quotes to the price on your current policy to determine if switching companies saves money. If you find a better price and change companies, make sure there is no lapse in coverage.
- Step 4: Tell your current agent or company of your decision to cancel your current car insurance policy and submit any necessary down payment along with the completed application to the new company. When you receive it, put the proof of insurance certificate with your vehicle’s registration.
A tip to remember is to make sure you enter the same physical damage deductibles and liability limits on every quote request and to quote with as many car insurance companies as possible. Doing this guarantees a fair rate comparison and a thorough price selection.
It goes without saying that insurance companies don’t want you shop around. Insureds who shop for lower rates will presumably switch car insurance companies because they have good chances of finding lower rate quotes. A recent car insurance study discovered that people who routinely compared quotes saved $850 each year compared to other drivers who never shopped around for lower prices.
If finding the best price on auto insurance in Long Beach is your objective, then learning a little about how to find and compare insurance can make the process more efficient.
If you have a current car insurance policy or just want to save money, you can learn to reduce premiums while maximizing coverage. Locating the best rates in Long Beach is much easier if you know where to start. Smart shoppers just have to learn the proper way to find the lowest price from many different companies online.
Long Beach auto insurance discounts
Auto insurance companies don’t always advertise the entire discount list in a way that’s easy to find, so we researched a few of the more common and the more hidden credits available to bring down your rates.
- Policy Bundle Discount – If you can combine your homeowners and auto policy and place coverage with the same company you could get a discount of 10% to 20% off each policy.
- E-sign Discounts – A handful of auto insurance companies may give you up to $50 for buying a policy and signing up digitally online.
- Long Beach Homeowners Pay Less – Being a homeowner can get you a discount because owning a home is proof that your finances are in order.
- Low Mileage – Keeping the miles down on your BMW could earn substantially lower premium rates.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.
- Accident Forgiveness – Not a discount per se, but certain companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
- Distant Student – Older children who are enrolled in a college that is more than 100 miles from Long Beach and do not have a car can be insured at a reduced rate.
- Theft Deterrent – Cars equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a Long Beach auto insurance quote.
Discounts lower rates, but most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, companies don’t profit that way.
The diagram below illustrates the comparison of BMW 328i car insurance costs with and without discounts. The price estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, marriage, and homeowner discounts applied.
If you would like to choose from a list of auto insurance companies who offer auto insurance discounts in California, click this link.
The providers in the list below are ready to provide comparison quotes in Long Beach, CA. To find cheap car insurance in CA, we recommend you compare several of them to get the best price comparison.
Car insurance statistics and figures
The premium table shown below showcases a range of coverage costs for BMW 328i models. Understanding how auto insurance premiums are established can assist in making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| 328I 4-Dr Sedan | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| 328I Station Wagon | $336 | $712 | $488 | $28 | $146 | $1,710 | $143 |
| 328I 2-Dr Coupe | $336 | $712 | $488 | $28 | $146 | $1,710 | $143 |
| 328I 2-Dr Coupe | $336 | $712 | $488 | $28 | $146 | $1,710 | $143 |
| 328I xDrive 4-Dr Sedan | $336 | $712 | $574 | $34 | $172 | $1,828 | $152 |
| 328I xDrive 4-Dr Sedan | $336 | $712 | $574 | $34 | $172 | $1,828 | $152 |
| 328I 2-Dr Convertible | $336 | $712 | $574 | $34 | $172 | $1,828 | $152 |
| 328I 2-Dr Convertible | $336 | $712 | $574 | $34 | $172 | $1,828 | $152 |
| 328I 2-Dr Coupe | $336 | $712 | $488 | $28 | $146 | $1,710 | $143 |
| 328I xDrive 2-Dr Coupe | $336 | $712 | $488 | $28 | $146 | $1,710 | $143 |
| 328I xDrive Station Wagon | $336 | $712 | $488 | $28 | $146 | $1,710 | $143 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in Long Beach location which can raise or lower rates considerably.
Deductible comparison
One of the most common car insurance questions is how high should the physical damage coverage deductibles be. The comparisons below approximate the differences in premium rates when you buy lower versus higher coverage deductibles. The first table uses a $250 deductible and the second price table uses a $500 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in zip code location which can lower or raise insurance rates noticeably.
Based on the figures above, using a $250 deductible will cost you approximately $21 more each month or $252 a year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at least 12 months between claims, you would probably save some money going with the higher deductible.
The diagram below shows how choosing a deductible and can influence BMW 328i premium costs for each age group. The rates are based on a married male driver, full coverage, and no other discounts are factored in.
Car insurance rates based on gender
The chart below illustrates the difference between BMW 328i car insurance costs for male and female drivers. The price estimates are based on no claims or driving citations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Insurance Rate Influencing Factors
Many different elements are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but others are not as apparent like your continuous coverage or your financial responsibility.
- Where you live can affect prices – Choosing to live in a small town may provide you with better prices if you are looking for the lowest rates. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims. Drivers who live in large California cities have to deal with more auto accidents and longer commute times. Higher commute times translates into higher accident risk.
-
Expect high rates for teens – Mature drivers are viewed as being more responsible, tend to cause fewer accidents, and are safer drivers. Inexperience drivers have been known to be inattentive and easily distracted when driving with friends and because of this, their auto insurance rates are much higher.
The data below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
- Cheaper rates after marriage – Having a spouse actually saves money on your auto insurance bill. Marriage usually means you are more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
- Don’t abuse insurance claims – Insurance companies in California generally give the lowest premiums to people who only file infrequent claims. If you are the type of insured that files lots of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is intended to be relied upon for more catastrophic claims.
-
Responsible drivers have lower premiums – Being a careful driver has a huge affect on how much you pay. Having just one speeding ticket or other violation may increase your cost to the point where it’s not affordable. Good drivers have lower premiums than bad drivers. Drivers unfortunate enough to have severe violations like reckless driving or DUI may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state in order to drive a vehicle legally.
The illustration below illustrates how speeding tickets and at-fault claims increase BMW 328i insurance rates for different insured age categories. The premium estimates are based on a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.
- Annual miles is a factor – The more miles you rack up on your BMW every year the more you’ll pay to insure your vehicle. Many insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting receive lower rates than those that get driven frequently. Ask your agent if your declarations sheet correctly shows how each vehicle is driven, because improper ratings can cost you money. An incorrectly rated 328i can result in significantly higher rates.
- Know your credit rating – A driver’s credit score can be a huge factor in calculating your auto insurance rates. So if your credit history can use some improvement, you may save money insuring your BMW 328i by improving your credit score. Insureds that have very high credit ratings tend to be more responsible than those with bad credit.
- Discounts for multiple policies – Many insurers will award a discount to insureds that buy multiple policies such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you qualify for this discount already, it’s always a smart idea to shop around to help guarantee you have the best rates.
Tailor your insurance coverage to you
When it comes to choosing the right insurance coverage for your personal vehicles, there really isn’t a one size fits all plan. Your needs are unique to you and your insurance should be unique as well. For example, these questions might point out if your insurance needs may require specific advice.
- What is the ISO rating for a BMW 328i?
- Does my policy cover me when driving someone else’s vehicle?
- I don’t drive much so do I pay less?
- What can I do if my company denied a claim?
- How much liability do I need to cover my assets?
- How can I find cheaper teen driver insurance?
- Does my insurance cover my expensive audio equipment?
- Is extra glass coverage worth it?
- How long can I keep a teen driver on my policy?
If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Compare prices but buy from a local Long Beach insurance agency
Certain consumers would rather talk to a local agent and that is a smart decision Agents can help you choose the best coverages and help in the event of a claim. The biggest benefit of price shopping on the web is the fact that drivers can get lower rates and still buy from a local agent. Supporting neighborhood agents is important particularly in Long Beach.
By using this quick form, the quote information is sent to companies in Long Beach who will give you bids for your insurance coverage. You never need to do any legwork due to the fact that quote results will go directly to your email. If you wish to quote rates from a specific insurance provider, you just need to navigate to their website and fill out the quote form the provide.
When researching a reputable agency, there are a couple of different agency structures and how they operate. Insurance policy providers can be categorized as either exclusive or independent. Both types can properly insure your vehicles, but it is a good idea to know why they differ since it may influence buying decisions.
Independent Insurance Agents (or Brokers)
Agents that elect to be independent do not sell for just one brand so they can insure your vehicles through many companies and find the cheapest insurance rates. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.
When shopping rates, you should always get several quotes from independent agents so that you have a good selection of quotes to compare.
The following is a small list of independent agencies in Long Beach who may be able to give you comparison quotes.
Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – View Map
Lanterman Insurance Agency, Inc.
5318 E 2nd St #643 – Long Beach, CA 90803 – (562) 743-1607 – View Map
Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map
Exclusive Insurance Agencies
Exclusive agencies normally can only provide a single company’s rates and some examples include Farmers Insurance or State Farm. These agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on their company’s products and that can be a competitive advantage.
Listed below are exclusive insurance agencies in Long Beach that can give you rate quotes.
Farmers Insurance – Susan Rios
3450 E Spring St #214 – Long Beach, CA 90806 – (562) 988-5700 – View Map
Farmers Insurance: Peter Long
818 E Anaheim St #220 – Long Beach, CA 90813 – (562) 951-1813 – View Map
Susie Atwood – State Farm Insurance Agent
5624 E 2nd St – Long Beach, CA 90803 – (562) 434-5729 – View Map
Finding the right car insurance agent needs to be determined by more than just the premium amount. Ask your prospective agent these questions:
- Does the agency provide any after hours assistance?
- Does their agency support local causes in Long Beach?
- Do they have designations such as AIC, CPCU, or CIC?
- Who is covered by the car insurance policy?
- Are they involved in claim handling?
Auto insurance does more than just protect your car
Even though Long Beach 328i insurance rates can get expensive, maintaining insurance is a good idea for several reasons.
- Most states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability insurance coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your 328i, more than likely the lender will make it mandatory that you buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your BMW at an extremely high rate and force you to pay for the much more expensive policy.
- Insurance safeguards both your BMW 328i and your assets. It will also pay for medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car outweigh the cost, especially if you ever need it. But the average driver in California overpays more than $830 a year so compare rates at every policy renewal to ensure rates are inline.
More quotes mean more auto insurance savings
We just showed you many tips how you can reduce BMW 328i insurance car insurance rates online in Long Beach. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest car insurance rates are with the smaller companies. They may often insure only within specific states and give better rates than their larger competitors like State Farm or Progressive.
When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where someone sacrificed liability coverage limits only to discover later that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage for the lowest price.
Some auto insurance companies do not provide the ability to get a quote online and most of the time these smaller companies work with independent insurance agents. Lower-priced auto insurance in Long Beach can be found on the web and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from.
Additional information can be read at the links below
- Insurance Losses by Make and Model (iihs.org)
- Who Has the Cheapest Long Beach Auto Insurance for Good Students? (FAQ)
- How Much are Long Beach Car Insurance Quotes for Teachers? (FAQ)
- Who Has the Cheapest Long Beach Car Insurance for 16 Year Olds? (FAQ)
- Rollover Crash FAQ (iihs.org)
- Shopping for a Safe Car (Insurance Information Institute)