The most effective way to find cheaper quotes for car insurance rates in Scottsdale is to make a habit of comparing prices annually from insurers that sell auto insurance in Arizona.
- Spend a few minutes and learn about policy coverages and the measures you can take to keep rates down. Many policy risk factors that cause rate increases such as accidents, traffic violations, and poor credit history can be controlled by being financially responsible and driving safely.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can provide price quotes for many different companies. View a list of agents
- Compare the new rates to the premium of your current policy to see if a cheaper price is available. If you find a lower rate quote, verify that coverage does not lapse between policies.
- Notify your current company of your decision to cancel your existing policy. Submit the application along with any required down payment to the new company. Once the paperwork is finalized, keep your new certificate verifying proof of insurance in a readily accessible location in your vehicle.
One tip to remember is to make sure you’re comparing similar coverage information on each quote request and and to get rate quotes from as many different insurance providers as possible. This enables a level playing field and maximum price selection.
Everyone knows that car insurance companies want to keep you from comparing rates. Drivers who compare rates once a year are inclined to switch companies because they have a good chance of finding better rates. A recent auto insurance study revealed that drivers who regularly shopped around saved an average of $850 each year compared to people who never shopped around for better prices.
If saving the most money on car insurance in Scottsdale is why you’re reading this, understanding how to compare coverage rates can help simplify the task of finding more affordable coverage.
Low Cost companies for BMW 328i insurance
The companies shown below have been selected to offer price quotes in Arizona. If you want to find cheap auto insurance in AZ, we suggest you get price quotes from several of them to get the best price comparison.
BMW 328i insurance rates and statistics
The information displayed next outlines a range of prices for BMW 328i models. Having a good understanding how car insurance prices are figured can be valuable when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $280 | $620 | $390 | $24 | $116 | $1,430 | $119 |
| 328I 4-Dr Sedan | $280 | $620 | $390 | $24 | $116 | $1,430 | $119 |
| 328I Station Wagon | $312 | $714 | $332 | $20 | $100 | $1,478 | $123 |
| 328I 2-Dr Coupe | $312 | $714 | $332 | $20 | $100 | $1,478 | $123 |
| 328I 2-Dr Coupe | $312 | $714 | $332 | $20 | $100 | $1,478 | $123 |
| 328I xDrive 4-Dr Sedan | $312 | $714 | $390 | $24 | $116 | $1,556 | $130 |
| 328I xDrive 4-Dr Sedan | $312 | $714 | $390 | $24 | $116 | $1,556 | $130 |
| 328I 2-Dr Convertible | $312 | $714 | $390 | $24 | $116 | $1,556 | $130 |
| 328I 2-Dr Convertible | $312 | $714 | $390 | $24 | $116 | $1,556 | $130 |
| 328I 2-Dr Coupe | $312 | $714 | $332 | $20 | $100 | $1,478 | $123 |
| 328I xDrive 2-Dr Coupe | $312 | $714 | $332 | $20 | $100 | $1,478 | $123 |
| 328I xDrive Station Wagon | $312 | $714 | $332 | $20 | $100 | $1,478 | $123 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific Scottsdale garaging location which can raise or lower premiums greatly.
Where to set your deductibles
One of the more difficult decisions when buying car insurance is what deductibles to buy. The comparison tables below approximate the cost difference between high and low insurance deductibles. The first table uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 328I 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 328I Station Wagon | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 328I 2-Dr Coupe | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 328I 2-Dr Coupe | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 328I xDrive 4-Dr Sedan | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| 328I xDrive 4-Dr Sedan | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| 328I 2-Dr Convertible | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| 328I 2-Dr Convertible | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| 328I 2-Dr Coupe | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 328I xDrive 2-Dr Coupe | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 328I xDrive Station Wagon | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 328I 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 328I Station Wagon | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| 328I 2-Dr Coupe | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| 328I 2-Dr Coupe | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| 328I xDrive 4-Dr Sedan | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 328I xDrive 4-Dr Sedan | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 328I 2-Dr Convertible | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 328I 2-Dr Convertible | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 328I 2-Dr Coupe | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| 328I xDrive 2-Dr Coupe | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| 328I xDrive Station Wagon | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates significantly.
Based on these figures, using a $100 deductible will cost you approximately $26 more each month or $312 annually than buying the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 15 months between claims, you would save money by selecting a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $112 |
| Average monthly premium for $500 deductibles (subtract): | – $86 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
One big caveat is that raising deductibles to save money means you will have to pay more of your own money when you have a physical damage claim. You need some savings in the event you have to pay the higher deductible in order to repair your vehicle.
The chart below demonstrates how deductibles and can influence BMW 328i annual premium costs for each age group. The premiums are based on a married female driver, comp and collision included, and no discounts are applied.
Annual premiums for males versus females in Scottsdale
The information below shows the difference between BMW 328i insurance rates for male and female drivers. The rate quotes are based on no violations or claims, comp and collision included, $500 deductibles, marital status is single, and no policy discounts are applied.
Liability only or full coverage
The diagram below compares BMW 328i yearly insurance costs with and without physical damage coverage. The data assumes no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no other discounts are factored in.
When to stop paying for full coverage
There is no clear-cut rule to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% 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 settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after the deductible is paid. If it’s costing you more than $800 a year to have full coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
These discounts can lower your insurance rates
Car insurance companies don’t list all discounts very well, so we researched some of the best known as well as the least known discounts you could be receiving when you buy Scottsdale car insurance online.
- Life Insurance Discount – Insurance companies who offer life insurance give a lower insurance rate if you buy some life insurance too.
- Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Mature Driver Discount – Mature drivers can get better insurance rates.
- Discounts for New Vehicles – Putting insurance on a new 328i can be considerably cheaper since newer vehicles have better safety ratings.
- Discounts for Multiple Vehicles – Having primary and secondary vehicles with one company can get a discount for every vehicle.
- Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of as much as 10 to 15 percent.
- Responsible Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Anti-theft Discount – Cars with anti-theft systems help deter theft and will save you 10% or more on 328i insurance in Scottsdale.
One last thing about discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free insurance policy, you aren’t that lucky.
The information below compares BMW 328i car insurance costs with and without policy discounts. The data is based on a male driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, multi-car, marriage, and homeowner discounts applied.
A few of the larger companies and their possible discounts are shown below.
- Farm Bureau may include discounts for renewal discount, youthful driver, multi-vehicle, 55 and retired, multi-policy, and safe driver.
- MetLife policyholders can earn discounts including claim-free, good driver, good student, multi-policy, accident-free, and defensive driver.
- Progressive offers discounts for homeowner, multi-policy, online signing, online quote discount, continuous coverage, and good student.
- AAA may have discounts that include anti-theft, AAA membership discount, multi-car, education and occupation, and multi-policy.
- American Family offers premium reductions for early bird, Steer into Savings, defensive driver, accident-free, TimeAway discount, and air bags.
- GEICO offers discounts including federal employee, anti-theft, five-year accident-free, defensive driver, and multi-vehicle.
- State Farm may offer discounts for defensive driving training, Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, driver’s education, accident-free, and student away at school.
When getting free Scottsdale car insurance quotes, it’s a good idea to each company or agent which discounts can lower your rates. A few discounts may not be offered in every state.
Situations that may require an agent’s advice
When quoting and choosing proper insurance coverage, there isn’t really a perfect coverage plan. You are unique.
For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.
- Why do I need rental car insurance?
- What policy terms are available?
- Does coverage extend to Mexico or Canada?
- Does coverage extend to a rental car in a foreign country?
- If my BMW 328i is totaled, can I afford another vehicle?
- What is the difference between personal and commercial auto insurance policies?
- What is glass protection for?
- Do I need PIP coverage since I have good health insurance?
If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.
Insurance agent or online?
Many drivers would rather get advice from a local agent and that can be a smart move One of the benefits of getting free rate quotes online is that you can find lower rates but still work with a licensed agent. Buying from local insurance agents is important especially in Scottsdale.
By using this simple form, your insurance coverage information is transmitted to local insurance agents in Scottsdale who will give you quotes for your coverage. It makes it easy because there is no need to find an agent since price quotes are sent immediately to you. You can find the lowest rates and work with a local agent. In the event you want to compare prices from a particular provider, you would need to find their quoting web page and complete a quote there.
Selecting an insurance company is decision based upon more than just the premium amount. Any agent in Scottsdale should be forthright in answering these questions:
- Which companies can they place coverage with?
- If you are a high risk driver, do they have special markets for your coverage?
- Does the agency support the community they serve?
- Do they see any coverage gaps in your plan?
- Can glass repairs be made at your home?
- Are claims handled at the agent’s location?
Ratings for Scottsdale auto insurance companies
Insuring your vehicle with the best insurance company can be a challenge considering how many choices there are in Arizona. The information below can help you analyze which car insurance providers to look at when shopping around.
Top 10 Scottsdale Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Scottsdale Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
One last thing to lower rates
When getting Scottsdale car insurance quotes online, do not buy poor coverage just to save money. There have been many cases where someone dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage at the lowest possible cost, but do not skimp to save money.
There are still a few companies who do not provide online rate quotes and these smaller providers provide coverage only through local independent agencies. More affordable car insurance in Scottsdale is definitely available on the web in addition to local insurance agencies, so compare prices from both so you have a total pricing picture.
Consumers change insurance companies for any number of reasons including policy cancellation, lack of trust in their agent, denial of a claim and delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.
Additional information can be read on the following sites:
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for a Toyota Tundra in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a School Permit in Scottsdale? (FAQ)
- What Auto Insurance is Cheapest for a Ford F-150 in Scottsdale? (FAQ)
- What Auto Insurance is Cheapest for a Ford Fusion in Scottsdale? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Cellphones, Texting and Driving (iihs.org)
- Keeping Children Safe in Crashes Video (iihs.org)