It takes a little time, but the best way to find affordable BMW 328i insurance in Sacramento is to compare quotes once a year from providers who can sell car insurance in California.
- First, learn about car insurance and the things you can change to keep rates down. Many rating criteria that result in higher prices like getting speeding tickets and a less-than-favorable credit score can be eliminated by improving your driving habits or financial responsibility. Later in this article we will cover ideas to prevent high prices and find available discounts that you may qualify for.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can provide prices for many different companies. View prices
- Third, compare the new rates to the price on your current policy to determine if switching companies saves money. If you find a lower rate and change companies, ensure coverage does not lapse between policies.
- Fourth, tell your current company to cancel the current policy. Submit payment and a signed application to the new company. Make sure you place the new certificate verifying proof of insurance with the vehicle registration.
The key thing to know about shopping around is to make sure you’re comparing similar limits and deductibles on each price quote and and to look at as many car insurance companies as possible. Doing this enables an accurate price comparison and the best price quote selection.
It goes without saying that insurance companies don’t want you to compare rates. People who compare rates annually are very likely to switch to a new company because of the good chance of finding a cheaper policy. A recent survey found that drivers who made a habit of comparing rate quotes saved on average $3,400 over four years compared to those who never compared rates.
If finding budget-friendly rates on auto insurance is the reason for your visit, learning the best ways to shop for car insurance can help simplify the task of finding more affordable coverage.
Score discounts on Sacramento car insurance
Insurance can be prohibitively expensive, but you may find discounts to help offset the cost. Certain discounts will be applied when you quote, but some need to be specifically requested prior to receiving the credit. If you do not double check each discount available, you’re just leaving money on the table.
- Claim Free – Sacramento drivers who stay claim-free pay much less compared to accident-prone drivers.
- Sign Online – Some companies will provide an incentive for signing up over the internet.
- Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you could save up to 5%.
- Early Signing – Some insurance companies give discounts for switching companies before your current coverage expires. This can save 10% or more.
- Student in College – Older children who live away from home to go to college and do not take a car to college can receive lower rates.
- Discount for New Cars – Buying a new car instead of a used 328i can save you some money since new model year vehicles are generally safer.
- Own a Home – Owning a home in Sacramento can save a few bucks because of the fact that having a home is proof of financial responsibility.
- Professional Organizations – Being in certain professional organizations could trigger savings when getting a Sacramento auto insurance quote.
- Bundled Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you will save up to 20% and get you inexpensive BMW 328i insurance in Sacramento.
- Federal Employees – Active or former government employment could cut as much as 10% off depending on your car insurance provider.
As a sidenote, most credits do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So when it seems like you could get a free car insurance policy, it just doesn’t work that way.
The chart below illustrates the comparison of BMW 328i auto insurance rates with and without discounts applied to the policy premium. The information is based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, multi-car, safe-driver, and homeowner discounts applied.
A partial list of companies that may offer quotes with many of the previously listed discounts may include but are not limited to:
If you need lower rates, check with every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in Sacramento. To see insurers with discount rates in Sacramento, click here to view.
To get affordable Sacramento auto insurance quotes, there a variety of ways of comparing rate quotes from all the different companies. The fastest way to find affordable BMW 328i insurance rates is to perform an online rate comparison. It’s important to know that comparing a wide range of rates helps you find the best rates.
The companies shown below have been selected to offer price quotes in Sacramento, CA. To get the best auto insurance in Sacramento, CA, we recommend you visit several of them in order to get a fair rate comparison.
Coverage information
The coverage information displayed below showcases different insurance rates for BMW 328i models. Learning more about how insurance prices are determined can help guide drivers when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $440 | $678 | $578 | $34 | $174 | $1,904 | $159 |
| 328I 4-Dr Sedan | $440 | $678 | $578 | $34 | $174 | $1,904 | $159 |
| 328I Station Wagon | $490 | $780 | $492 | $30 | $148 | $1,940 | $162 |
| 328I 2-Dr Coupe | $490 | $780 | $492 | $30 | $148 | $1,940 | $162 |
| 328I 2-Dr Coupe | $490 | $780 | $492 | $30 | $148 | $1,940 | $162 |
| 328I xDrive 4-Dr Sedan | $490 | $780 | $578 | $34 | $174 | $2,056 | $171 |
| 328I xDrive 4-Dr Sedan | $490 | $780 | $578 | $34 | $174 | $2,056 | $171 |
| 328I 2-Dr Convertible | $490 | $780 | $578 | $34 | $174 | $2,056 | $171 |
| 328I 2-Dr Convertible | $490 | $780 | $578 | $34 | $174 | $2,056 | $171 |
| 328I 2-Dr Coupe | $490 | $780 | $492 | $30 | $148 | $1,940 | $162 |
| 328I xDrive 2-Dr Coupe | $490 | $780 | $492 | $30 | $148 | $1,940 | $162 |
| 328I xDrive Station Wagon | $490 | $780 | $492 | $30 | $148 | $1,940 | $162 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific location which can influence insurance rates significantly.
Should you raise deductibles?
A question often asked by Sacramento drivers is where should you set your physical damage deductibles. The comparison tables below can help illustrate the rate difference of buying low and high coverage deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| 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 | |||||||
| 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 multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rates do not factor in vehicle location which can revise rates significantly.
Based on these figures, using a $100 deductible could cost the average driver approximately $56 more each month or $672 a year than requesting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 16 months between claim filings, you would probably come out ahead if you decide on a higher deductible. Below is a better example of how this calculation is made.
| Average monthly premium for $100 deductibles: | $164 |
| Average monthly premium for $1,000 deductibles (subtract): | – $108 |
| Monthly savings from raising deductible: | $56 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $56 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
The diagram below demonstrates how deductibles and can increase or decrease BMW 328i insurance costs for each age group. The rate quotes are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
Age-based insurance rates by gender in Sacramento
The illustration below illustrates the difference between BMW 328i car insurance costs for male and female drivers. The data assumes a clean driving record, no claims, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied.
What Impacts BMW 328i Insurance Premiums?
Many factors are taken into consideration when premium rates are determined. Some are obvious such as your driving history, but other factors are not as apparent such as your marital status and annual miles driven. Smart consumers have a good feel for the different types of things that are used to determine the rates you pay for insurance. When you understand what influences your rates, this allows you to make good choices that can help you get much lower annual insurance costs.
The items below are some of the things used by your company to calculate rates.
How’s your driving record? – Attentive drivers get better rates than bad drivers. Getting just one moving violation can increase rates by twenty percent. Drivers who have gotten flagrant citations such as reckless driving or DUI are required to prove financial responsibility with their state DMV in order to legally drive a vehicle.
The information below shows how traffic citations and accidents increase BMW 328i insurance rates for each age group. The premiums assume a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
File policy claims and pay more – Insurance companies in California award the best rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
Small coverages can add up – There are a ton of add-on coverages that can add up on your insurance policy. Coverages for vanishing deductibles, accidental death, and membership fees may be wasting your money. They may seem like a good idea when deciding what coverages you need, but if you’ve never needed them in the past eliminate them to save money.
More mileage equals more premium – The higher the miles on your BMW each year the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your declarations sheet shows annual mileage. A policy that improperly rates your 328i can result in significantly higher rates.
Age of drivers – Older drivers are viewed as being more responsible, cause fewer claims and accidents, and are safer drivers. Inexperience drivers are proven to be easily distracted when behind the wheel so they pay higher insurance rates.
The data below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Consider raising physical damage deductibles – Your deductibles define the amount you are required to pay if the claim is covered. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply would be rear-ending another vehicle, damage caused by hail, and damage from wind. The more you have to pay, the better rate you will receive.
Lower insurance rates with GPS tracking and theft deterrents – Selecting a car model that has an advanced theft prevention system can help lower your rates. Systems that thwart thieves such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft.
Insurance agents can help
When it comes to insurance from an agent or online, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.
These are some specific questions can aid in determining whether you will benefit from professional help.
- Is my vehicle covered by my employer’s policy when using it for work?
- How much can I save by bundling my policies?
- Should I put collision coverage on all my vehicles?
- Is rental equipment covered for theft or damage?
- What is medical payments coverage?
- Do I really need UM/UIM coverage?
- Do I have coverage if my license is suspended?
- Should I buy full coverage?
If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form.
Neighborhood Sacramento auto insurance agents
A small number of people still prefer to talk to an insurance agent and doing that can be a smart decision One of the best bonuses of price shopping on the web is that drivers can save money and get better rates and also buy local. Putting coverage with small agencies is definitely important in Sacramento.
After completing this short form, the quote information is instantly submitted to insurance agents in Sacramento who will give competitive quotes for your insurance coverage. It’s much easier because you don’t need to find an agent since price quotes are sent to you. You can find better rates and a licensed agent to talk to. If you have a need to get a comparison quote from a specific insurance company, you can always search and find their rate quote page and submit a quote form there.
When finding a local agent, you should know the different types of agents and how they can service your needs differently. Insurance policy providers are classified as either exclusive agents or independent agents.
Independent Insurance Agents
Agents that elect to be independent do not work for one specific company and that is an advantage because they can write policies with lots of companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies. If you need cheaper insurance rates, you should always get insurance quotes from multiple independent agents to get the most accurate price comparison. Most have the option of insuring with smaller mutual companies which could offer lower prices.
Shown below is a list of independent insurance agents in Sacramento that may be able to give pricing information.
- Styrsky Insurance Agency
706 56th St – Sacramento, CA 95819 – (916) 361-8114 – View Map - Nationwide Insurance: Greg Comia Insurance Agency Inc
7500 Elsie Ave Ste 106 – Sacramento, CA 95828 – (916) 682-6053 – View Map - Eugene C Yates Insurance
Sacramento, CA 95814 – Sacramento, CA 95814 – (916) 442-8841 – View Map
Exclusive Insurance Agents
Exclusive insurance agents can only write with one company and some examples include State Farm, AAA, and Liberty Mutual. They generally cannot place coverage with different providers so they really need to provide good service. Exclusive agents are well schooled in insurance sales which can be an advantage. Consumers sometimes buy insurance from these agents partially due to the prominent brand name rather than having the cheapest rates.
The following is a short list of exclusive agents in Sacramento willing to provide price quote information.
- Farmers Insurance: Brewer Insurance Agency
6700 Freeport Blvd #101 – Sacramento, CA 95822 – (916) 424-4357 – View Map - Lori McCarter Curry – State Farm Insurance Agent
451 Park Fair Dr #2 – Sacramento, CA 95864 – (916) 487-5151 – View Map - Darryl Fong – State Farm Insurance Agent
8489 Folsom Blvd – Sacramento, CA 95826 – (916) 388-1900 – View Map
Selecting an car insurance agent requires you to look at more than just the bottom line cost. These are some questions you should get answers to.
- Does the quote include credit and driving reports?
- How many companies do they write for?
- Is the agency involved in supporting local community causes?
- Does the agent help file claims?
- Who is covered by the car insurance policy?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will one accident increase rates?
Three reasons to insure your BMW 328i
Even though Sacramento 328i insurance rates can get expensive, insurance is required for several reasons.
First, just about all states have minimum liability requirements which means you are required to carry a minimum amount of liability coverage in order to drive the car legally. 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.
Second, if your 328i has a lienholder, it’s guaranteed your bank will force you to buy insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may insure your BMW at a much higher rate and force you to pay for the expensive policy.
Third, car insurance protects not only your BMW but also your financial assets. Insurance will pay for most medical and hospital costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your BMW gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than cancel out the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $825 a year so compare rate quotes each time the policy renews to ensure rates are inline.
How to find a good Sacramento auto insurance company
Choosing the best insurer is difficult considering how many different companies insure vehicles in Sacramento. The ranking data displayed below can help you pick which car insurance companies to look at shopping your coverage with.
Top 10 Sacramento Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Sacramento Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Get the best coverage at the lowest price
In this article, we presented a lot of tips how to shop for BMW 328i insurance online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheaper Sacramento auto insurance quotes. You may even discover the lowest prices are with a small local company.
When getting Sacramento auto insurance quotes online, never reduce coverage to reduce premium. Too many times, an insured dropped comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.
Cheap BMW 328i insurance in Sacramento can be found online as well as from independent agents in Sacramento, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not offer online price quotes and usually these small, regional companies sell through independent insurance agencies.
For more information, take a look at the articles below:
- Get the Right Protection (InsureUonline.org)
- What Auto Insurance is Cheapest for Drivers with Accidents in Sacramento? (FAQ)
- Vehicle Insurance (Wikipedia)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)