Compare BMW 328i Insurance Quotes in Henderson

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Are you searching for cheaper BMW 328i insurance in Henderson? Being forced to pay for high-priced car insurance premiums can overdraw your accounts and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to make ends meet.

Discount BMW 328i insuranceSmart shoppers know that auto insurance companies don't want customers comparing rates. Consumers who shop rates annually will presumably switch to a new company because of the high probability of finding a lower-priced company. A recent survey discovered that drivers who compared rate quotes regularly saved approximately $865 a year as compared to drivers who never shopped around.

If finding the most affordable insurance in Henderson is your objective, then having some knowledge of how to shop and compare coverage rates can save time and make the process easier.

Steps to finding low-cost BMW 328i insurance in Henderson

The preferred way to get discount BMW 328i insurance is to compare prices once a year from insurance carriers in Henderson.

  • Step 1: Read about how companies set rates and the modifications you can make to keep rates low. Many factors that result in higher prices such as traffic violations and an imperfect credit history can be remedied by paying attention to minor details. Read the full article for information to help find cheaper rates and find available discounts that you may qualify for.
  • Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while agents who are independent can provide prices for a wide range of companies.
  • Step 3: Compare the quotes to your current policy to see if a cheaper rate is available in Henderson. If you can save some money and change companies, verify that coverage does not lapse between policies.
  • Step 4: Provide notification to your current company of your decision to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to your new carrier. Immediately upon receiving it, safely store the certificate of insurance in an easily accessible location.

One tip to remember is to make sure you enter the same amount of coverage on each quote and and to compare every insurance company. This helps ensure the most accurate price comparison and the best price selection.

Because there are so many car insurance companies to choose from, it can be impossible to choose the lowest cost insurance company.

Just keep in mind that comparing all the rates in your area will enable you to find the best offered rates.

The companies shown below are ready to provide price quotes in Henderson, NV. To buy cheaper auto insurance in Henderson, NV, it's a good idea that you click on several of them to get a more complete price comparison.

Get cheaper BMW 328i insurance rates in Henderson

Insurance can be pricey, but you may qualify for discounts to help offset the cost. Certain discounts will be applied when you quote, but a few need to be asked for before you get the savings.Discount insurance

  • Resident Student - College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.
  • Seat Belts Save more than Lives - Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • ABS Braking Discount - Cars equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Discounts for Safe Drivers - Insureds without accidents can save as much as half off their rates as compared to drivers with claims.
  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Discount for Home Ownership - Owning a home in Henderson can save a few bucks because owning a home means you have a higher level of financial diligence.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Membership in Organizations - Having an affiliation with a qualifying organization could trigger savings on your next insurance statement.
  • Auto/Home Discount - When you have multiple policies with one insurance company you will save as much as 10 to 15 percent.

Policy discounts save money, but many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky. But any discount should definitely cut your overall premium however.

The example below compares BMW 328i auto insurance rates with and without discounts being applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, safe-driver, claim-free, and multi-policy discounts applied.

A list of insurance companies and a selection of discounts include:

  • State Farm includes discounts for Drive Safe & Save, accident-free, safe vehicle, Steer Clear safe driver discount, good student, multiple policy, and passive restraint.
  • Farmers Insurance may offer discounts for good student, homeowner, pay in full, distant student, youthful driver, alternative fuel, and early shopping.
  • Progressive may include discounts for homeowner, multi-vehicle, multi-policy, good student, continuous coverage, online quote discount, and online signing.
  • GEICO offers discounts for defensive driver, five-year accident-free, driver training, emergency military deployment, and military active duty.
  • Auto-Owners Insurance may have discounts that include safe vehicle, multiple vehicles, anti-theft, mature driver, safe driver, and group or association.
  • The Hartford has savings for driver training, air bag, anti-theft, defensive driver, and good student.
  • Farm Bureau offers premium reductions for renewal discount, multi-policy, driver training, youthful driver, safe driver, good student, and multi-vehicle.
  • USAA discounts include good student, annual mileage, family discount, multi-vehicle, new vehicle, loyalty savings, and safe driver.

If you want affordable BMW 328i insurance quotes, ask each company or agent to apply every possible discount. Some discounts listed above might not be available to policyholders in your state. For a list of companies with the best discounts in Nevada, follow this link.

Insurance data for a BMW 328i

The price information below outlines a range of coverage prices for BMW 328i models. Being able to understand how car insurance premiums are calculated can help guide drivers when making informed decisions when comparing rates.

BMW 328i Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $130 $252 $296 $18 $88 $784 $65
328I 4-Dr Sedan $130 $252 $296 $18 $88 $784 $65
328I Station Wagon $144 $292 $252 $14 $76 $778 $65
328I 2-Dr Coupe $144 $292 $252 $14 $76 $778 $65
328I 2-Dr Coupe $144 $292 $252 $14 $76 $778 $65
328I xDrive 4-Dr Sedan $144 $292 $296 $18 $88 $838 $70
328I xDrive 4-Dr Sedan $144 $292 $296 $18 $88 $838 $70
328I 2-Dr Convertible $144 $292 $296 $18 $88 $838 $70
328I 2-Dr Convertible $144 $292 $296 $18 $88 $838 $70
328I 2-Dr Coupe $144 $292 $252 $14 $76 $778 $65
328I xDrive 2-Dr Coupe $144 $292 $252 $14 $76 $778 $65
328I xDrive Station Wagon $144 $292 $252 $14 $76 $778 $65
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can increase or decrease premiums considerably.

Higher deductibles lower rates

When shopping for insurance, a common question is how high should the physical damage deductibles be. The comparisons below can help you understand the differences in premium rates of buying low and high insurance deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

BMW 328i insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $300 $564 $308 $18 $92 $1,307 $109
328I 4-Dr Sedan $300 $564 $308 $18 $92 $1,307 $109
328I Station Wagon $334 $650 $262 $16 $78 $1,365 $114
328I 2-Dr Coupe $334 $650 $262 $16 $78 $1,365 $114
328I 2-Dr Coupe $334 $650 $262 $16 $78 $1,365 $114
328I xDrive 4-Dr Sedan $334 $650 $308 $18 $92 $1,427 $119
328I xDrive 4-Dr Sedan $334 $650 $308 $18 $92 $1,427 $119
328I 2-Dr Convertible $334 $650 $308 $18 $92 $1,427 $119
328I 2-Dr Convertible $334 $650 $308 $18 $92 $1,427 $119
328I 2-Dr Coupe $334 $650 $262 $16 $78 $1,365 $114
328I xDrive 2-Dr Coupe $334 $650 $262 $16 $78 $1,365 $114
328I xDrive Station Wagon $334 $650 $262 $16 $78 $1,365 $114
Get Your Own Custom Quote Go
BMW 328i insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $166 $298 $308 $18 $92 $882 $74
328I 4-Dr Sedan $166 $298 $308 $18 $92 $882 $74
328I Station Wagon $184 $342 $262 $16 $78 $882 $74
328I 2-Dr Coupe $184 $342 $262 $16 $78 $882 $74
328I 2-Dr Coupe $184 $342 $262 $16 $78 $882 $74
328I xDrive 4-Dr Sedan $184 $342 $308 $18 $92 $944 $79
328I xDrive 4-Dr Sedan $184 $342 $308 $18 $92 $944 $79
328I 2-Dr Convertible $184 $342 $308 $18 $92 $944 $79
328I 2-Dr Convertible $184 $342 $308 $18 $92 $944 $79
328I 2-Dr Coupe $184 $342 $262 $16 $78 $882 $74
328I xDrive 2-Dr Coupe $184 $342 $262 $16 $78 $882 $74
328I xDrive Station Wagon $184 $342 $262 $16 $78 $882 $74
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can impact insurance rates considerably.

Based on these figures, using a $100 deductible costs about $39 more each month or $468 every year than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 23 months between claims, you would save money if you choose the higher deductible.

The illustration below demonstrates how deductible levels and can affect BMW 328i annual premium costs for each age group. The premium estimates are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

Insurance rates based on gender

The chart below visualizes the comparison of BMW 328i yearly insurance costs for male and female drivers. The prices are based on no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single status, and no policy discounts are applied.

Does full coverage make sense?

The chart below shows the difference between BMW 328i car insurance costs when comparing full coverage to state minimum liability only. The premiums assume a clean driving record, no claims, $100 deductibles, single marital status, and no discounts are factored in.

When to buy liability coverage only

There is no set guideline of when to stop paying for full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your BMW 328i book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying the physical damage deductible. If premiums are more than $400 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.

How Insurers Determine BMW 328i Insurance Prices

The best way to find cheaper auto insurance is to take a look at some of the elements that play a part in calculating the rates you pay for auto insurance. If you have some idea of what controls the rates you pay, this enables you to make decisions that may result in better auto insurance rates.

  • Vocation stress can affect rates - Occupations such as judges, airline pilots, and stock brokers usually pay higher premium rates in part from intense work requirements and lengthy work days. On the flip side, jobs such as professors, athletes and homemakers get better rates.
  • A good credit history can save money - Having a bad credit rating can be an important factor in calculating your premium rate. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. Therefore, if your credit history can be improved, you could be paying less to insure your BMW 328i by taking the time to improve your credit score.
  • Increase deductibles and save - Insurance for physical damage, also called 'full coverage', covers your vehicle from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, vandalism, and rolling your vehicle. Your deductibles tell how much you are required to spend out-of-pocket before your auto insurance pays a claim. The higher the amount the insured has to pay upfront, the less your auto insurance will be.
  • Save money by eliminating add-on coverages - There are a ton of extra bells and whistles that may not really be needed on your 328i policy. Insurance for things like replacement cost coverage, accidental death, and additional equipment coverage may not be needed and are just wasting money. You may think they are a good idea when talking to your agent, but if you don't need them remove them from your policy.
  • Teenage driver insurance prices - Inexperience drivers are statistically shown to get distracted easily in a vehicle therefore auto insurance rates are much higher. Having to add a youthful driver onto your auto insurance will cause a huge premium hike. Older, more experienced drivers tend to be more responsible, tend to file fewer claims, and receive fewer citations.

    The next chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Can a thief steal your car? - Choosing to buy a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft and help lower rates.

Compare rates but buy from a neighborhood Henderson auto insurance agent

Some consumers prefer to get professional advice from a licensed agent and doing so can bring peace of mind One of the best bonuses of getting free rate quotes online is that you can find cheap rate quotes but also keep your business local.

Henderson insurance agentsAfter filling out this simple form, the coverage information is instantly submitted to participating agents in Henderson who will gladly provide quotes for your business. There is no reason to contact any agents as quotes are delivered to your email. You can find the lowest rates without the usual hassles of price shopping. If you want to get a rate quote from a specific company, feel free to navigate to their website and fill out their quote form.

Finding a good insurance company should depend on more than just the premium amount. These questions are important to ask:

  • Does the agency provide any after hours assistance?
  • Do they specialize in personal lines auto insurance in Henderson?
  • If independent agents, which companies do they recommend?
  • How is replacement cost determined on your vehicle?
  • What company holds the largest book of business for them?

When searching for a local Henderson insurance agent, it's important to understand the different types of agencies that you can select. Car insurance agencies can be described as either exclusive or independent.

Exclusive Insurance Agencies

Exclusive agents write business for a single company and some examples include Farmers Insurance and State Farm. Exclusive agents cannot compare other company's rates so they have no alternatives for high prices. Exclusive insurance agents are very knowledgeable on their products and sales techniques which aids in selling service over price.

Listed below is a short list of exclusive insurance agencies in Henderson who may provide you with price quotes.


180 S Stephanie St #120 - Henderson, NV 89012 - (702) 435-6716 - View Map


693 N Valle Verde Dr Ste 4 - Henderson, NV 89014 - (702) 902-1909 - View Map


1730 W Horizon Ridge Pkwy #110 - Henderson, NV 89012 - (702) 457-0306 - View Map

More insurance agents

Independent Car Insurance Agencies

These type of agents are not required to write business for one company and that allows them to write policies with an assortment of companies and find the cheapest rate. If premiums increase, the agent simply finds a different carrier and you don't have to find a new agent. When shopping rates, you definitely need to compare quotes from a couple of independent agencies for maximum quote selection.

Shown below are Henderson independent insurance agents that can give you comparison quotes.


1120 Wigwam Pkwy #100 - Henderson, NV 89052 - (702) 430-7764 - View Map

Avenue Insurance Agency
1258 Rising Cloud Cir - Henderson, NV 89052 - (702) 933-3289 - View Map


1368 Paseo Verde Pkwy #200a - Henderson, NV 89012 - (702) 368-4040 - View Map

More insurance agents

After talking to the agent and getting good feedback as well as affordable BMW 328i insurance rates in Henderson quotes, chances are good that you have found an insurance agency that meets the requirements to properly service your car insurance policy.

How to find a good Henderson auto insurance company

Insuring your vehicle with the right auto insurance provider can be difficult considering how many companies sell coverage in Nevada. The information shown next can help you analyze which car insurance providers you want to consider when looking for cheaper rates.

Top 10 Henderson Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Quote more to save more

Affordable BMW 328i insurance in Henderson can be found online as well as from independent agents in Henderson, and you should be comparing both to have the best selection. Some companies may not offer the ability to get a quote online and usually these smaller providers sell through independent insurance agencies.

Throughout this article, we presented a lot of information how to compare BMW 328i insurance prices in Henderson. The key concept to understand is the more rate comparisons you have, the better likelihood of getting the cheapest BMW 328i rate quotes. Consumers could even find that the best price on auto insurance is with a smaller regional carrier. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Steps to finding affordable BMW 328i insurance in Henderson

If you want to save money, the best way to get affordable auto insurance rates in Henderson is to do a yearly price comparison from different companies that insure vehicles in Nevada.

  • First, get an understanding of policy coverages and the steps you can take to drop your rates. Many policy risk factors that result in higher rates such as accidents, traffic violations, and a lousy credit rating can be remedied by making minor changes in your lifestyle.
  • Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agencies can give you price quotes for a wide range of companies.
  • Third, compare the new rates to your current policy premium and see if there is a cheaper rate in Henderson. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
  • Fourth, give notification to your current company of your intent to cancel your current coverage and submit payment and a completed application to the new company. As soon as you have the new policy, put the new proof of insurance certificate in an accessible location in your vehicle.

A tip to remember is to use the same deductibles and limits on each price quote and and to get rate quotes from every insurance company. Doing this enables an accurate price comparison and the best rate selection.

More detailed auto insurance information can be read at these sites: