Unimaginable but true, most car insurance customers have bought car insurance from the same company for four years or more, and roughly 40% of drivers have never even compared rates from other companies. With the average premium in Arizona being $1,580, drivers can save hundreds of dollars each year by just shopping around, but they won’t spend time to compare rates.
The best way to find discount BMW 328i insurance in Mesa is to compare prices at least once a year from companies that sell auto insurance in Arizona.
- Step 1: Take a few minutes and learn about the coverage provided by your policy and the things you can control to prevent expensive coverage. Many policy risk factors that result in higher prices like speeding tickets, careless driving and a negative credit history can be remedied by improving your driving habits or financial responsibility. Keep reading for additional ideas to lower rates and find available discounts that you may qualify for.
- Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and State Farm, while independent agents can quote rates from multiple insurance companies. View prices
- Step 3: Compare the new quotes to your existing policy and see if there is a cheaper rate in Mesa. If you find a lower rate, ensure there is no coverage lapse between policies.
- Step 4: Provide adequate notice to your current company to cancel your existing policy. Submit any necessary down payment along with the completed application to your new company or agent. Be sure to keep the new proof of insurance paperwork in an easily accessible location.
An important part of this process is to use similar deductibles and liability limits on every quote and and to get rate quotes from as many carriers as you can. Doing this helps ensure the most accurate price comparison and a complete price analysis.
If you have coverage now or just want a better rate, you can use this information to reduce premiums without reducing protection. Locating the best insurance company for you in Mesa is not rocket science. Comparison shoppers just need to know the proper way to compare price quotes online.
These discounts can lower your auto insurance quotes
Insurance can cost an arm and a leg, but there may be some discounts that could help you make your next renewal payment. Certain credits will be shown at the time of purchase, but a few need to be inquired about before you will receive the discount.
- Low Mileage Discounts – Driving fewer miles could qualify for slightly better auto insurance rates than normal.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts as much as 30%.
- Resident Student – Kids who are enrolled in a college that is more than 100 miles from Mesa and leave their car at home may be insured at a cheaper rate.
- Defensive Driver Discounts – Taking a defensive driver course could cut 5% off your bill depending on where you live.
- Early Renewal Discounts – A few larger companies give discounts for renewing your policy before your current coverage expires. This can save 10% or more.
One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So when it seems like adding up those discounts means a free policy, you aren’t that lucky.
The example below shows the comparison of BMW 328i insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or violations, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, safe-driver, and homeowner discounts applied.
To view auto insurance companies who offer online BMW 328i insurance quotes in Arizona, click here.
Finding a lower price on insurance is a great way to save money. Drivers just need to spend a few minutes on the computer comparing free Mesa car insurance quotes from some recommended companies.
It’s so easy to compare rate quotes online that it replaces the need to spend time driving to all the different insurance agencies. The internet eliminates the middleman unless you have a complicated situation and need the personal advice of a licensed agent. It is possible with some companies obtain prices from the web but have a local agent actually write the policy.
The companies shown below are our best choices to provide price quotes in Mesa, AZ. To locate cheap car insurance in Mesa, we suggest you visit two to three different companies to get a more complete price comparison.
BMW 328i insurance coverage information
The information shown next outlines a range of rate quotes for BMW 328i models. Learning more about how auto insurance policy rates are established can help drivers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 328I 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 328I Station Wagon | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| 328I 2-Dr Coupe | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| 328I 2-Dr Coupe | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| 328I xDrive 4-Dr Sedan | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 328I xDrive 4-Dr Sedan | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 328I 2-Dr Convertible | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 328I 2-Dr Convertible | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 328I 2-Dr Coupe | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| 328I xDrive 2-Dr Coupe | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| 328I xDrive Station Wagon | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in vehicle location which can revise premiums noticeably.
Comparison of policy deductibles
When buying insurance, a common question is what deductibles to buy. The comparison tables below highlight the rate differences when you select higher and lower comp and collision deductibles. The first table uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| 328I 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| 328I Station Wagon | $292 | $530 | $254 | $16 | $76 | $1,193 | $99 |
| 328I 2-Dr Coupe | $292 | $530 | $254 | $16 | $76 | $1,193 | $99 |
| 328I 2-Dr Coupe | $292 | $530 | $254 | $16 | $76 | $1,193 | $99 |
| 328I xDrive 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 328I xDrive 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 328I 2-Dr Convertible | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 328I 2-Dr Convertible | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 328I 2-Dr Coupe | $292 | $530 | $254 | $16 | $76 | $1,193 | $99 |
| 328I xDrive 2-Dr Coupe | $292 | $530 | $254 | $16 | $76 | $1,193 | $99 |
| 328I xDrive Station Wagon | $292 | $530 | $254 | $16 | $76 | $1,193 | $99 |
| 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 | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific Mesa garaging location which can decrease or increase rates substantially.
Using the data above, we can ascertain that using a $250 deductible costs an average of $27 more each month or $324 a year averaged for all 328i models than selecting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 28 months between claims, you would come out ahead if you decide on a higher deductible.
The diagram below highlights how deductible choice and can impact BMW 328i insurance costs for different ages of insureds. The costs are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
How accidents and violations affect rates
The information below shows how speeding tickets and fender-benders influence BMW 328i auto insurance costs for different age groups of insureds. Data assumes a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
Male drivers compared to female drivers
The chart below compares BMW 328i insurance rates for male and female drivers. Data assumes a clean driving record, no claims, comp and collision included, $100 deductibles, marital status is single, and no policy discounts are applied.
Rate comparison of full coverage and liability-only
The example below illustrates the difference between BMW 328i insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims or driving citations, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Should you be buying full coverage?
There is no exact rule to stop paying for physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s pretend your BMW 328i settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after paying your deductible. If you are paying more than $300 annually to have full coverage, then you might want to consider buying only liability coverage.
There are some situations where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.
Insurance quotes from local Mesa insurance agents
Many drivers would prefer to talk to a local agent and that is OK! Good agents can point out coverage gaps and help in the event of a claim. The biggest benefit of comparing insurance prices online is you may find better rates and still choose a local agent.
Upon completion of this simple form, the quote information is instantly submitted to participating agents in Mesa that can provide free Mesa car insurance quotes for your insurance coverage. You don’t have to contact any insurance agencies due to the fact that quote results will go directly to you. If you want to get a comparison quote from a specific company, you would need to navigate to their website and complete a quote there.
Finding a good company needs to be determined by more than just a cheap price quote. Before buying a policy in Mesa, get answers to these questions.
- If independent agents, which companies do they recommend?
- Can they help ensure a fair claim settlement?
- Does the company have a local claim office in Mesa?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What companies can they write with?
- Do they specialize in personal lines auto insurance in Mesa?
- Is the agency covered by Errors and Omissions coverage?
- When do they do policy reviews?
If you’re trying to find a reputable agency, it’s helpful to know the different types of agencies to choose from. Insurance agencies in Mesa can be categorized as either independent or exclusive depending on the company they work for. Either one can insure your vehicles, but it is important to understand the subtle differences since it can impact the type of agent you choose.
Exclusive Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company’s rates and examples are Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to compare other company’s rates so they have to upsell other benefits. They are usually quite knowledgeable on their company’s products which helps them sell on service rather than price.
Below is a short list of exclusive agents in Mesa willing to provide price quote information.
American Family Insurance – Mike Stapley
4850 E Baseline Rd Ste 101 – Mesa, AZ 85206 – (480) 503-4400 – View Map
Aaron McDermid – State Farm Insurance Agent
10720 E Southern Ave #105 – Mesa, AZ 85209 – (480) 984-3311 – View Map
Farmers Insurance – Kevin Shelton
2651 W Guadalupe Rd #102 – Mesa, AZ 85202 – (480) 718-9498 – View Map
Independent Insurance Agencies
These type of agents are normally appointed by many insurers so they can quote policies with many different companies and get you the best rates possible. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.
When comparing insurance rates, you will definitely want to get rate quotes from multiple independent agents to get the most accurate price comparison.
Listed below are Mesa independent insurance agents willing to provide comparison quotes.
ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map
Bryant Insurance Agency, LLC
2941 N Power Rd Suite 101 – Mesa, AZ 85215 – (480) 448-1555 – View Map
Jarosch Insurance
2815 S Alma School Rd #111 – Mesa, AZ 85210 – (480) 839-8488 – View Map
Best auto insurance company in Arizona
Finding a highly-rated insurance company can be a challenge considering how many different insurance companies sell coverage in Arizona. The ranking data displayed below could help you choose which insurers to look at when comparing rates.
Top 10 Mesa Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Mesa Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Cover all your bases
Cheaper car insurance in Mesa can be bought on the web in addition to many Mesa insurance agents, and you should compare rates from both so you have a total pricing picture. Some car insurance companies may not have the ability to get a quote online and these regional carriers only sell coverage through independent agencies.
When you buy Mesa car insurance online, never reduce needed coverages to save money. In many instances, someone dropped collision coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.
Much more information about car insurance in Arizona can be found at the links below
- Vehicle Safety Ratings (iihs.org)
- Who Has the Cheapest Car Insurance Rates for Drivers with Good Credit in Mesa? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Requiring a SR22 in Mesa? (FAQ)
- How Much are Mesa Car Insurance Quotes for a Honda Accord? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Over Age 70 in Mesa? (FAQ)
- Who Has Affordable Mesa Auto Insurance Quotes for Ride Shares? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Explorer in Mesa? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- Where can I buy Insurance? (Insurance Information Institute)