It’s well known that insurance companies don’t want their customers to go rate shopping. Insureds who get price comparisons are highly likely to move their business because there is a good probability of finding discount prices. A survey found that consumers who regularly compared rates saved approximately $865 a year as compared to drivers who never shopped around.
If finding the lowest price for insurance in Corpus Christi is your ultimate goal, then having a grasp of how to shop for cheaper coverage can save time and money.
The best way we recommend to find more affordable BMW 328i insurance is to start doing an annual price comparison from providers in Corpus Christi.
- Spend some time learning about policy coverages and the modifications you can make to prevent high rates. Many rating criteria that result in higher rates like at-fault accidents, careless driving, and an imperfect credit rating can be remedied by being financially responsible and driving safely. Later in this article we will cover tips to get cheaper rates and earn larger discounts.
- Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple insurance companies.
- Compare the new quotes to your current policy to determine if you can save on 328i insurance in Corpus Christi. If you find a lower rate, make sure there is no lapse in coverage.
- Give notification to your agent or company of your intent to cancel your current policy and submit the application along with any required down payment to your new insurance company. As soon as coverage is bound, safely store the certificate verifying coverage in your glove compartment.
One bit of advice is to try to compare the same physical damage deductibles and liability limits on each quote and and to analyze as many carriers as you can. This ensures an accurate price comparison and a complete rate analysis.
Choosing the best rates in Corpus Christi is actually quite easy if you know where to start. If you have coverage now or are looking for a new policy, take advantage of these tips to reduce premiums without reducing protection. Consumers just need to use the fastest way to compare insurance rates on the web.
Compare Corpus Christi BMW 328i insurance rate quotes online
The companies in the list below provide price quotes in Corpus Christi, TX. To get cheap car insurance in Corpus Christi, we recommend you get rate quotes from several of them in order to find the most competitive rates.
Rate information and statistics
The premium information below outlines a range of coverage costs for BMW 328i models. Having a better understanding of how car insurance premiums are established is important for you to make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $318 | $684 | $400 | $24 | $120 | $1,546 | $129 |
| 328I 4-Dr Sedan | $318 | $684 | $400 | $24 | $120 | $1,546 | $129 |
| 328I Station Wagon | $354 | $788 | $340 | $20 | $102 | $1,604 | $134 |
| 328I 2-Dr Coupe | $354 | $788 | $340 | $20 | $102 | $1,604 | $134 |
| 328I 2-Dr Coupe | $354 | $788 | $340 | $20 | $102 | $1,604 | $134 |
| 328I xDrive 4-Dr Sedan | $354 | $788 | $400 | $24 | $120 | $1,686 | $141 |
| 328I xDrive 4-Dr Sedan | $354 | $788 | $400 | $24 | $120 | $1,686 | $141 |
| 328I 2-Dr Convertible | $354 | $788 | $400 | $24 | $120 | $1,686 | $141 |
| 328I 2-Dr Convertible | $354 | $788 | $400 | $24 | $120 | $1,686 | $141 |
| 328I 2-Dr Coupe | $354 | $788 | $340 | $20 | $102 | $1,604 | $134 |
| 328I xDrive 2-Dr Coupe | $354 | $788 | $340 | $20 | $102 | $1,604 | $134 |
| 328I xDrive Station Wagon | $354 | $788 | $340 | $20 | $102 | $1,604 | $134 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in Corpus Christi location which can raise or lower coverage rates noticeably.
Raise deductibles and save
One of the more difficult decisions when buying car insurance is how high should the deductibles for physical damage be. The comparisons below approximate how much more rates are when you buy lower versus higher physical damage deductibles. The first table uses a $250 comprehensive and collision deductible 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 | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 328I 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 328I Station Wagon | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| 328I 2-Dr Coupe | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| 328I 2-Dr Coupe | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| 328I xDrive 4-Dr Sedan | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| 328I xDrive 4-Dr Sedan | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| 328I 2-Dr Convertible | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| 328I 2-Dr Convertible | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| 328I 2-Dr Coupe | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| 328I xDrive 2-Dr Coupe | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| 328I xDrive Station Wagon | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| 328I 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| 328I Station Wagon | $228 | $424 | $324 | $20 | $96 | $1,092 | $91 |
| 328I 2-Dr Coupe | $228 | $424 | $324 | $20 | $96 | $1,092 | $91 |
| 328I 2-Dr Coupe | $228 | $424 | $324 | $20 | $96 | $1,092 | $91 |
| 328I xDrive 4-Dr Sedan | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| 328I xDrive 4-Dr Sedan | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| 328I 2-Dr Convertible | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| 328I 2-Dr Convertible | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| 328I 2-Dr Coupe | $228 | $424 | $324 | $20 | $96 | $1,092 | $91 |
| 328I xDrive 2-Dr Coupe | $228 | $424 | $324 | $20 | $96 | $1,092 | $91 |
| 328I xDrive Station Wagon | $228 | $424 | $324 | $20 | $96 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific garaging location which can raise or lower insurance rates substantially.
Based on the above data, using a $250 deductible will cost in the ballpark of $34 more each month or $408 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 22 months between claim filings, you would come out ahead if you choose the higher deductible.
Gender differences in car insurance premiums
The illustration below compares BMW 328i insurance rates for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.
Cost comparison with and without full coverage
The diagram below visualizes the comparison of BMW 328i premium costs with full physical damage coverage compared to only buying liability only. The rates are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are applied.
When to drop full coverage
There is no specific rule of when to drop full coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your BMW 328i replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your deductible. If you are currently paying more than $400 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some conditions where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Discounts can help to save on BMW 328i insurance in Corpus Christi
Companies offering auto insurance don’t always list all available discounts in an easy-to-find place, so the next list breaks down a few of the more well known and also the lesser-known discounts you could be receiving when you buy Corpus Christi auto insurance online.
- ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
- Discount for Swiching Early – Select larger companies give a discount for switching to them prior to your current 328i insurance policy expiration. It’s a savings of about 10%.
- Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Life Insurance – Select insurance companies reward you with a small discount if you purchase life insurance.
- Defensive Driver Discounts – Taking time to complete a defensive driving course is a good idea and can lower rates and also improve your driving technique.
- Fewer Miles Equal More Savings – Fewer annual miles on your BMW could earn lower prices due to less chance of an accident.
Keep in mind that some credits don’t apply to the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.
The example below illustrates the comparison of BMW 328i premium costs with and without policy discounts. The rate quotes are based on a male driver, no claims or violations, Texas 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 marriage, claim-free, multi-car, homeowner, safe-driver, and multi-policy discounts applied.
Popular auto insurance companies and the discounts they provide can be read below.
- State Farm offers premium reductions for good student, multiple policy, driver’s education, Drive Safe & Save, passive restraint, and anti-theft.
- Progressive policyholders can earn discounts including multi-vehicle, homeowner, multi-policy, continuous coverage, online quote discount, good student, and online signing.
- Progressive may have discounts that include homeowner, continuous coverage, multi-policy, online quote discount, good student, and multi-vehicle.
- MetLife has savings for claim-free, accident-free, good student, multi-policy, defensive driver, good driver
- Farm Bureau discounts include renewal discount, 55 and retired, multi-policy, good student, safe driver, youthful driver, and driver training.
- GEICO may offer discounts for military active duty, seat belt use, driver training, good student, multi-policy, anti-theft, and emergency military deployment.
- SAFECO has discounts for anti-theft, multi-car, safe driver, teen safe driver, drive less, and teen safety rewards.
When quoting, ask all companies you are considering which discounts you may be entitled to. Some discounts may not apply to policyholders in every state. To locate auto insurance companies who offer free BMW 328i insurance quotes in Texas, click here to view.
Best reasons to buy auto insurance in Texas
Despite the high cost, insurance may be mandatory for several reasons.
- Just about all states have minimum liability requirements which means the state requires specific minimum amounts of liability insurance coverage if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your BMW 328i, it’s guaranteed your bank will have a requirement that you carry insurance to guarantee loan repayment. If you do not pay your insurance premiums, the lender may insure your BMW for a lot more money and require you to reimburse them for the much more expensive policy.
- Insurance safeguards both your assets and your BMW. Insurance will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of carrying enough insurance more than offset the price you pay, especially with large liability claims. But the average American driver overpays more than $850 per year so it’s recommended you shop around once a year at a minimum to be sure current rates are still competitive.
Which policy gives me the best coverage?
When it comes to buying the right insurance coverage, there really is no one-size-fits-all type of policy. Every situation is different so your insurance needs to address that.
These are some specific questions might point out if you would benefit from an agent’s advice.
- What vehicles should carry emergency assistance coverage?
- Why am I required to buy high-risk coverage?
- Is my teenager covered with friends in the car?
- At what point should I drop full coverage?
- Are there any extra discounts I can get?
- Do I need added coverage for expensive stereo equipment?
- Does my policy cover me when driving someone else’s vehicle?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.
Auto insurance agents can help
Some consumers would rather get advice from a local agent and there is nothing wrong with that. Professional insurance agents can help you choose the best coverages and will help you if you have claims. The best thing about getting online price quotes is the fact that drivers can get lower rates and still buy from a local agent.
For easy comparison, once you complete this simple form, the quote information is emailed to agents in your area that can give you free Corpus Christi auto insurance quotes for your insurance coverage. It makes it easy because there is no need to search for an agent since price quotes are sent immediately to you. If you want to compare prices from one company in particular, feel free to jump over to their website and fill out their quote form.
Finding a good provider requires more thought than just the quoted price. The answers to these questions are important, too.
- Do they specialize in personal lines auto insurance in Corpus Christi?
- Do they assist clients in filing claims?
- How experienced are they in personal risk management?
- Are they in the agency full-time?
- What will you get paid if your car is a total loss? How is that amount determined?
When searching for a good Corpus Christi insurance agent, it can be helpful to understand the types of agencies and how they are distinctly different. Auto insurance policy providers can be categorized as either exclusive agents or independent agents. Both can handle auto insurance, but it’s worth learning the difference between them since it can impact which agent you choose.
Exclusive Insurance Agencies
Agents that elect to be exclusive generally can only insure with one company such as Farmers Insurance, Allstate, or State Farm. These agents are unable to provide other company’s prices so they have to upsell other benefits. Exclusive insurance agents are usually well trained on the products they sell which can be an advantage.
Below is a list of exclusive insurance agencies in Corpus Christi that can give you price quote information.
Farmers Insurance – Jennifer Tennill
1145 Waldron Rd – Corpus Christi, TX 78418 – (361) 939-7300 – View Map
Liz Sweney – State Farm Insurance Agent
7102 Wooldridge Rd – Corpus Christi, TX 78414 – (361) 852-1700 – View Map
Allstate Insurance: Donald Morrison
4535 S Padre Island Dr Ste 37 – Corpus Christi, TX 78411 – (361) 854-2383 – View Map
Independent Agents (or Brokers)
Independent insurance agents are not locked into one company so they can write business through many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to do anything.
If you are trying to find cheaper rates, we recommend you get several quotes from at least one independent agent to have the most options to choose from.
Listed below are Corpus Christi independent insurance agents that can give you comparison quotes.
IBC Insurance Agency
221 S Shoreline Blvd – Corpus Christi, TX 78401 – (361) 985-1900 – View Map
Tejas Auto Insurance
4701 Ayers St #104 – Corpus Christi, TX 78415 – (361) 814-0030 – View Map
Borden Insurance
210 S Carancahua St Fl 4 – Corpus Christi, TX 78401 – (361) 882-6543 – View Map
If you feel you receive acceptable answers to your questions as well as an affordable premium quote, most likely you have located an insurance agency that is professional and can adequately provide auto insurance. Just remember you are able to terminate your policy at any time so never assume that you’re stuck with a specific company for the full policy term.