Do you want to learn to get more affordable car insurance rates in Philadelphia, PA? Philadelphia buyers have lots of choices when searching for low-cost BMW 328i insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to get rate quotes.
There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to get price quotes for a BMW and locate the best price possible.
Save money on BMW 328i insurance in Philadelphia with these discounts
Companies that sell car insurance don’t list the entire discount list very clearly, so the list below gives a summary of some of the best known as well as the least known discounts that you can inquire about if you buy Philadelphia car insurance online.
- Seat Belt Discounts – Drivers who require all occupants to buckle up before driving can save up to 15% off the medical payments premium.
- Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
- Membership in Organizations – Having an affiliation with a civic or occupational organization in Philadelphia could trigger savings when getting a Philadelphia car insurance quote.
- Lower Rates for Military – Being on active duty in the military could mean lower premium rates.
- Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Accident Forgiveness Coverage – Not really a discount, but some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a specific time period.
- Multi-policy Discount – If you can combine your auto and homeowners policy with the same company you may save as much as 10 to 15 percent.
- Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
- Savings for New Vehicles – Insuring a vehicle that is new can save you some money because newer vehicles are generally safer.
Just know that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The illustration below shows the comparison of BMW 328i insurance costs with and without discounts applied to the premium. The prices are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, homeowner, and claim-free discounts applied.
A list of car insurance companies and some of their more popular discounts are outlined below.
- Farm Bureau may offer discounts for safe driver, good student, multi-vehicle, youthful driver, multi-policy, and renewal discount.
- Liberty Mutual offers discounts including newly retired, new move discount, hybrid vehicle, teen driver discount, exclusive group savings, preferred payment discount, and multi-policy.
- State Farm may have discounts that include multiple policy, safe vehicle, multiple autos, defensive driving training, student away at school, passive restraint, and anti-theft.
- Auto-Owners Insurance offers discounts for company car, mature driver, safe driver, safe vehicle, student away at school, and anti-lock brakes.
- GEICO has savings for defensive driver, membership and employees, anti-theft, multi-policy, driver training, and seat belt use.
- SAFECO may include discounts for drive less, multi-car, anti-lock brakes, teen safe driver, and safe driver.
When getting a coverage quote, ask each company or agent which discounts they offer. Some of the discounts discussed earlier might not be offered in Philadelphia. If you would like to choose from a list of insurers who offer free BMW 328i insurance quotes in Pennsylvania, click this link.
Finding cheap BMW 328i insurance rates can be relatively painless. Drivers just need to take a couple of minutes comparing rates online from several insurance companies.
The providers in the list below are our best choices to provide free rate quotes in Pennsylvania. If more than one company is shown, we suggest you visit several of them to get the best price comparison.
Coverage statistics and figures
The premium information displayed next covers different policy rates for BMW 328i models. Learning how auto insurance policy rates are formulated is important for drivers to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $180 | $338 | $310 | $18 | $92 | $938 | $78 |
| 328I 4-Dr Sedan | $180 | $338 | $310 | $18 | $92 | $938 | $78 |
| 328I Station Wagon | $200 | $390 | $264 | $16 | $78 | $948 | $79 |
| 328I 2-Dr Coupe | $200 | $390 | $264 | $16 | $78 | $948 | $79 |
| 328I 2-Dr Coupe | $200 | $390 | $264 | $16 | $78 | $948 | $79 |
| 328I xDrive 4-Dr Sedan | $200 | $390 | $310 | $18 | $92 | $1,010 | $84 |
| 328I xDrive 4-Dr Sedan | $200 | $390 | $310 | $18 | $92 | $1,010 | $84 |
| 328I 2-Dr Convertible | $200 | $390 | $310 | $18 | $92 | $1,010 | $84 |
| 328I 2-Dr Convertible | $200 | $390 | $310 | $18 | $92 | $1,010 | $84 |
| 328I 2-Dr Coupe | $200 | $390 | $264 | $16 | $78 | $948 | $79 |
| 328I xDrive 2-Dr Coupe | $200 | $390 | $264 | $16 | $78 | $948 | $79 |
| 328I xDrive Station Wagon | $200 | $390 | $264 | $16 | $78 | $948 | $79 |
| Get Your Own Customized Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific location which can alter price quotes substantially.
The illustration below shows how different deductible levels and can change BMW 328i insurance premiums for different categories of driver ages. The costs are based on a single male driver, comp and collision included, and no other discounts are factored in.
Drive safe and save
The example below demonstrates how speeding tickets and accident claims can increase BMW 328i premium costs for different age categories. The premiums assume a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Auto insurance prices based on gender
The diagram below illustrates the difference between BMW 328i car insurance rates for male and female drivers. The information is based on no claims or driving citations, full coverage, $100 deductibles, single marital status, and no discounts are factored in.
Will just any policy work for me?
When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed.
For example, these questions might help in determining whether or not you will benefit from professional help.
- Does car insurance cover theft of personal property?
- Am I covered if I crash into my own garage door?
- Can I rate high risk drivers on liability-only vehicles?
- Does my car insurance cover rental cars?
- Is my business laptop covered if it gets stolen from my vehicle?
- Do I really need UM/UIM coverage?
- What happens if I owe more than my BMW 328i is worth?
- I have good health insurance, so how much medical payments coverage do I need?
- Is my BMW 328i covered if I use it for business?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
You may require the services of an insurance agency
Certain consumers just want to get professional advice from a licensed agent and that can be a great decision Professional insurance agents can answer important questions and will help you if you have claims. A good thing about comparing insurance prices online is that drivers can save money and get the best rates and still buy from a local agent. Supporting neighborhood agents is especially important in Philadelphia.
Once you complete this short form, your insurance coverage information is emailed to agents in your area who will give competitive quotes for your car insurance coverage. It makes it easy because there is no need to leave your house since rate quotes are delivered immediately to you. If you want to compare prices from a particular provider, you can always navigate to their website and give them your coverage information.
Different types of Philadelphia auto insurance agents
When searching for a reliable insurance agent, there are a couple of different types of agents and how they function. Insurance agencies in Philadelphia are either independent or exclusive depending on the company they work for. Both types of agents can insure your vehicles properly, but it’s worth mentioning the differences because it can factor into which agent you choose.
Independent Agents (or Brokers)
Agents of this type often have many company appointments and that allows them to write policies through lots of different companies and potentially find a lower price. If premiums increase, your agent can switch companies and that require little work on your part.
If you need lower rates, we highly recommend that you compare quotes from independent agents to get the best comparison. They often place coverage with lesser-known insurance companies who may have lower rates.
The following is a partial list of independent agents in Philadelphia that can give you free car insurance quotes.
- America Insurance Agency Inc
7214 Frankford Ave – Philadelphia, PA 19135 – (800) 283-0500 – View Map - K and A Insurance Agency
5520 Wayne Ave – Philadelphia, PA 19144 – (215) 991-4900 – View Map - First Rate Insurance
7790 Rockwell Ave Suite 1 – Philadelphia, PA 19111 – (215) 725-6700 – View Map
Exclusive Agents
Exclusive agents generally can only insure with one company and some examples include American Family, State Farm, and Allstate. They generally cannot shop your coverage around so they have no alternatives for high prices. Exclusive agents are well schooled on sales techniques and that can be a competitive advantage. Consumers often use the same exclusive agent mainly due to the prominent brand name and the convenience of having a single billing for all their coverages.
Below is a list of exclusive agents in Philadelphia who can help you get rate quotes.
- Brian Madalion – State Farm Insurance Agent
7208 Ogontz Ave – Philadelphia, PA 19138 – (215) 549-4900 – View Map - Allstate Insurance: Bruce Datil
4201 I St – Philadelphia, PA 19124 – (215) 288-7992 – View Map - Pamela R Wilkins – State Farm Insurance Agent
8912 Frankford Ave – Philadelphia, PA 19136 – (215) 331-4500 – View Map
Finding the right insurance agent requires more thought than just the quoted price. Below are some questions you should ask.
- Will they take your side in the event of a claim?
- When do they do a full risk review?
- Do the coverages you’re quoting properly cover your vehicle?
- How are they compensated?
- Is the agency involved in supporting local community causes?
- Can glass repairs be made at your home?
If you receive good answers to these questions and a low price estimate, you have narrowed it down to a car insurance agent that is a good match to properly service your car insurance policy.
Quote more to save more
We covered many ideas to get a better price on BMW 328i insurance in Philadelphia. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies. Smaller companies may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.
Lower-priced BMW 328i insurance in Philadelphia can be found on the web as well as from independent agents in Philadelphia, and you should be comparing both in order to have the best chance of saving money. Some insurance companies don’t offer rate quotes online and most of the time these regional carriers prefer to sell through independent insurance agencies.
For more information, link through to the resources below:
- Neck Injury FAQ (iihs.org)
- What Auto Insurance is Cheapest for College Graduates in Philadelphia? (FAQ)
- Who Has the Cheapest Philadelphia Auto Insurance Quotes for High Risk Drivers? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Equinox in Philadelphia? (FAQ)
- Understanding your Policy (NAIC.org)
- Understanding Rental Car Insurance (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)