Car Insurance Quotes for a BMW 328i in Fort Worth

Discount BMW 328i insuranceTrying to find cheaper BMW 328i insurance in Fort Worth? Tired of sacrificing to keep your car insured? You are no different than millions of other consumers.

Unbelievable but true according to a study about 70% of customers have bought insurance from the same company for at least four years, and virtually 40% of consumers have never taken the time to shop around. Many consumers in the U.S. can save hundreds of dollars each year by just comparing quotes, but they don’t want to take the time to compare rate quotes online.

Steps to finding better rates for BMW 328i insurance in Fort Worth

Really, the only way to get the cheapest auto insurance rates in Fort Worth is to regularly compare prices from providers in Texas. Drivers can shop around by completing these steps.

One bit of advice is to use the same level of coverage on every quote request and and to get rate quotes from as many companies as feasibly possible. Doing this guarantees a fair rate comparison and plenty of rates choose from.

Multiple auto insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite best rate on BMW 328i insurance in Fort Worth.

It’s a good habit to compare rates quite often since insurance rates trend upward over time. Even if you think you had the best rate on BMW 328i insurance in Fort Worth last year a different company probably has better prices today. Ignore everything you know about insurance because you’re about to learn the best way to lower your rates without sacrificing coverage.

If you have a policy now or want to find a cheaper company, take advantage of these tips to get lower rates and possibly find even better coverage. Choosing the best rates in Fort Worth seems hard but is not really that difficult. Smart buyers just need to understand the tricks to compare different rates from many different companies.

Free Fort Worth BMW 328i insurance price quotes

Reducing your BMW 328i insurance rates is not a difficult process. All you need to do is take a couple of minutes comparing rates online with multiple companies.

Doing online quotes comparisons is so easy that it makes it obsolete to spend time driving to and from local Fort Worth insurance agencies. Comparing BMW 328i insurance rate quotes online can eliminate the need for a local agent unless you have a complicated situation and need the guidance of a licensed agent. You can, however, get prices online but buy from a local insurance agent.

The following companies are our best choices to provide price comparisons in Fort Worth, TX. If several companies are displayed, it’s highly recommended you visit as many as you can to get the most competitive price.

Car insurance in Texas serves several purposes

Even though it can be expensive, maintaining insurance may not be optional for several reasons.

The benefits of carrying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is currently overpaying as much as $825 a year so we recommend shopping around at least once a year to ensure rates are inline.

Insurance coverage analysis

The premium table displayed below showcases detailed analysis of insurance policy prices for BMW 328i models. Having a better understanding of how insurance policy rates are established can help customers make decisions on the best policy to buy.


BMW 328i Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $232 $462 $430 $26 $128 $1,278 $107
328I 4-Dr Sedan $232 $462 $430 $26 $128 $1,278 $107
328I Station Wagon $258 $532 $366 $22 $110 $1,288 $107
328I 2-Dr Coupe $258 $532 $366 $22 $110 $1,288 $107
328I 2-Dr Coupe $258 $532 $366 $22 $110 $1,288 $107
328I xDrive 4-Dr Sedan $258 $532 $430 $26 $128 $1,374 $115
328I xDrive 4-Dr Sedan $258 $532 $430 $26 $128 $1,374 $115
328I 2-Dr Convertible $258 $532 $430 $26 $128 $1,374 $115
328I 2-Dr Convertible $258 $532 $430 $26 $128 $1,374 $115
328I 2-Dr Coupe $258 $532 $366 $22 $110 $1,288 $107
328I xDrive 2-Dr Coupe $258 $532 $366 $22 $110 $1,288 $107
328I xDrive Station Wagon $258 $532 $366 $22 $110 $1,288 $107
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in specific location which can modify price quotes considerably.

Physical damage deductibles: Should you raise them?

One common question asked by Fort Worth drivers is where should you set your physical damage deductibles. The following tables highlight how much more rates are when you buy lower versus higher insurance deductibles. The first table uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.


BMW 328i insurance policy rates with $250 deductibles
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
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BMW 328i insurance policy rates with $1,000 deductibles
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

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in your specific Fort Worth location which can increase or decrease coverage prices significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $34 more each month or $408 every year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 22 months between claim filings, you would save money if you elect the higher deductible.

Auto insurance premiums based on gender

The example below illustrates the comparison of BMW 328i insurance premiums for male and female drivers. The premium estimates are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied.

Liability only or full coverage

The information below illustrates the comparison of BMW 328i insurance prices with and without physical damage coverage. The rates are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no clear-cut rule to stop buying comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your BMW 328i claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after paying your deductible. If you are paying in excess of $400 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where only buying liability is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Cheaper rates by taking advantage of discounts

Some providers don’t always list all available discounts very clearly, so we researched both well-publicized and the harder-to-find ways to save on insurance. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.Insurance discounts

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, you’re out of luck.

The diagram below shows the difference between BMW 328i insurance prices with and without policy discounts. The costs are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage 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, multi-car, safe-driver, homeowner, and claim-free discounts applied.

A list of companies and a partial list of their discounts include:

When getting a coverage quote, ask every prospective company which discounts they offer. Some of the earlier mentioned discounts may not apply to policies in your state. To see a list of companies who offer insurance discounts in Texas, follow this link.