Cheapest Insurance for a BMW 328i in Los Angeles

Want to learn the secrets to finding cheaper BMW 328i insurance in Los Angeles? Trying to come up with a payment for expensive auto insurance can bleed your savings and possibly require postponing other expenditures. Getting a rate comparison is a great way to make ends meet.

Insurance rates BMW 328i in Los AngelesSmart shoppers know that car insurance companies don’t want you to look at other companies. Drivers who shop around for a cheaper policy will probably buy a new policy because there are good odds of finding a more affordable policy premium. A study discovered that people who regularly compared rates saved an average of $3,400 over four years compared to people who don’t make a habit of comparing rates.

If finding budget-friendly auto insurance in Los Angeles is the reason you’re reading this, then learning a little about how to quote prices and compare car insurance can help simplify the task of finding more affordable coverage. Multiple car insurance companies compete for your business, and because of this it can be hard to compare auto insurance companies to find the best price available on BMW 328i insurance in Los Angeles.

It’s a good idea to get comparison quotes at least once a year because auto insurance prices trend upward over time. Even if you got the lowest price on BMW 328i insurance in Los Angeles last year other companies may now be cheaper. There are a lot of ways to save on 328i insurance on the internet, but in a few minutes you can learn some good information on how to put money back in your pocket.

Affordable Los Angeles auto insurance rates with discounts

Some providers do not list every possible discount very clearly, so we took the time to find some of the best known and the more hidden credits available to bring down your rates.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous.

The example below illustrates the comparison of BMW 328i insurance rates with and without discounts applied. The premium estimates are based on a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-car, safe-driver, and multi-policy discounts applied.

Larger auto insurance companies and the discounts they provide can be read below.

When comparing rates, check with all the companies the best way to save money. Savings might not apply in Los Angeles. To see a list of insurers with discount auto insurance rates in Los Angeles, click here.

Lowering your BMW 328i car insurance rates is an easy way to save money. Drivers just need to take a couple of minutes comparing price quotes to see which company has cheaper Los Angeles car insurance quotes.

Doing online price quotes comparisons is so easy that it makes it obsolete to make phone calls or go to insurance agencies in your area. Comparing online rate quotes eliminates this option unless you’re the type of person who wants the professional abilities that only a licensed agent can provide. It is possible to get the lowest quotes online but purchase the actual policy in an agency.

The providers in the list below are ready to provide price quotes in Los Angeles, CA. If multiple companies are listed, we recommend you visit several of them in order to find the most affordable rates.

Rates and data analysis

The rate information displayed next outlines a range of rate quotes for BMW 328i models. Learning how insurance policy rates are formulated can be of help when making smart choices when purchasing an auto insurance policy.


BMW 328i Insurance Rates in Los Angeles, CA
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 Customized Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in specific location which can change coverage rates noticeably.

How high should deductibles be?

The hardest decision when buying coverage is where should you set your physical damage deductibles. The comparison tables below summarize the costs and benefits when you choose different comp and collision deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.


BMW 328i insurance prices 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 Customized Quote Go

BMW 328i insurance prices 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
Get Your Own Customized Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific location which can impact premium rates substantially.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $38 more each month or $456 every year than selecting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 11 months between claim filings, you would save more money by selecting a higher deductible.

Auto insurance rates are higher with tickets and accidents

The chart below illustrates how violations and at-fault fender-benders can impact BMW 328i car insurance rates for each age group. The premium estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

BMW 328i insurance premiums by gender and age

The chart below illustrates the difference between BMW 328i car insurance rates for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Learn How to Lower Your Insurance Prices

Lots of factors are part of the equation when you get a price on insurance. Some are pretty understandable such as traffic violations, although others are not quite as obvious such as your marital status or your vehicle rating. It’s important that you understand the different types of things that help determine your policy premiums. If you have some idea of what impacts premium levels, this enables you to make decisions that may result in lower premium levels.

The list below includes most of the major factors that factor into your rate level.

Will just any policy work for me?

When buying a policy for your personal vehicles, there is no cookie cutter policy. Your needs are unique to you.

For instance, these questions might point out if your insurance needs would benefit from professional advice.

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

You may need help from an insurance agent

Certain consumers would prefer to sit down with an agent and doing so can bring peace of mind Good insurance agents are very good at helping people manage risk and help file insurance claims. An additional benefit of comparing insurance online is that drivers can save money and get cheap insurance quotes but still work with a licensed agent. Supporting local insurance agencies is especially important in Los Angeles.

Insurance agents in Los AngelesTo help locate an agent, after submitting this quick form, your insurance coverage information is transmitted to insurance agents in Los Angeles that give free quotes for your insurance coverage. You won’t even need to contact any insurance agencies because prices are sent to the email address you provide. If you need to compare rates from a specific company, don’t hesitate to search and find their rate quote page to submit a rate quote request.

Deciding on an company needs to be determined by more than just a cheap price. The questions below may impact your decision as well.

Once you have received good feedback to any questions you may have in addition to an acceptable price estimate, it’s a good possibility that you have found an insurer that is reputable and can adequately provide insurance.

Choosing the best BMW 328i insurance in California is an important decision

Despite the high cost, insurance may not be optional for several reasons.

The benefits of buying auto insurance outweigh the cost, particularly if you ever have a claim. On average, a vehicle owner in Los Angeles overpays more than $825 a year so compare rates each time the policy renews to ensure rates are competitive.

Quote. Compare. Save.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability coverage limits to discover at claim time they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

Consumers switch companies for a variety of reasons including high prices, questionable increases in premium, delays in paying claims and even unfair underwriting practices. Whatever your reason, choosing a new insurance company is less work than it seems.

Some car insurance companies do not offer online quoting and these regional carriers only sell coverage through local independent agencies. Cheaper car insurance in Los Angeles is attainable online and with local Los Angeles insurance agents, so you should compare both in order to have the best chance of saving money.

Much more information about car insurance in California is located on the following sites: