Car owners not familiar with comparing insurance coverage rates online are likely to find buying affordable BMW 328i insurance rates in Buffalo is harder than it should be.
We don’t have to tell you that auto insurance companies don’t want you to look at other companies. Consumers who perform rate comparisons are highly likely to buy a new policy because there are good odds of finding good coverage at a lower price. A study discovered that consumers who regularly shopped around saved over $3,500 over four years compared to other drivers who never compared other company’s rates.
If finding the most affordable BMW 328i insurance is your objective, then having a grasp of the best way to compare insurance rates can help simplify the task of finding more affordable coverage.
Consumers should take time to do rate comparisons every six months because rates are adjusted regularly by insurance companies. Even if you think you had the lowest premium rates on BMW 328i insurance in Buffalo a couple years back you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to demonstrate one of the best ways to eliminate unnecessary coverages and save money on BMW 328i insurance in Buffalo.
The quickest method we recommend to get rate comparisons for BMW 328i insurance in Buffalo is to know most of the bigger providers have advanced systems to provide you with free rate quotes. To get started, all you need to do is give the companies some data such as your occupation, if you went to college, whether you are single or married, and which vehicles you own. Those rating factors is submitted instantly to all major companies and they provide comparison quotes instantly.
To compare multiple company lower-cost BMW 328i insurance rates now, click here and complete the quick form.
The following companies offer price quotes in Buffalo, NY. To get cheap auto insurance in Buffalo, we suggest you compare several of them to get the best price comparison.
Auto insurance statistics for a BMW 328i
The information displayed next covers detailed analysis of coverage prices for BMW 328i models. Learning more about how auto insurance prices are formulated is important for drivers to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $110 | $212 | $248 | $14 | $74 | $658 | $55 |
| 328I 4-Dr Sedan | $110 | $212 | $248 | $14 | $74 | $658 | $55 |
| 328I Station Wagon | $122 | $244 | $212 | $12 | $64 | $654 | $55 |
| 328I 2-Dr Coupe | $122 | $244 | $212 | $12 | $64 | $654 | $55 |
| 328I 2-Dr Coupe | $122 | $244 | $212 | $12 | $64 | $654 | $55 |
| 328I xDrive 4-Dr Sedan | $122 | $244 | $248 | $14 | $74 | $702 | $59 |
| 328I xDrive 4-Dr Sedan | $122 | $244 | $248 | $14 | $74 | $702 | $59 |
| 328I 2-Dr Convertible | $122 | $244 | $248 | $14 | $74 | $702 | $59 |
| 328I 2-Dr Convertible | $122 | $244 | $248 | $14 | $74 | $702 | $59 |
| 328I 2-Dr Coupe | $122 | $244 | $212 | $12 | $64 | $654 | $55 |
| 328I xDrive 2-Dr Coupe | $122 | $244 | $212 | $12 | $64 | $654 | $55 |
| 328I xDrive Station Wagon | $122 | $244 | $212 | $12 | $64 | $654 | $55 |
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in Buffalo location which can raise or lower coverage rates substantially.
Rate comparison for different deductibles
One of the most common auto insurance questions is which deductibles should you choose. The data tables below may help to illustrate the premium difference of buying low and high policy deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $230 | $406 | $264 | $16 | $80 | $1,021 | $85 |
| 328I 4-Dr Sedan | $230 | $406 | $264 | $16 | $80 | $1,021 | $85 |
| 328I Station Wagon | $258 | $468 | $226 | $14 | $68 | $1,059 | $88 |
| 328I 2-Dr Coupe | $258 | $468 | $226 | $14 | $68 | $1,059 | $88 |
| 328I 2-Dr Coupe | $258 | $468 | $226 | $14 | $68 | $1,059 | $88 |
| 328I xDrive 4-Dr Sedan | $258 | $468 | $264 | $16 | $80 | $1,111 | $93 |
| 328I xDrive 4-Dr Sedan | $258 | $468 | $264 | $16 | $80 | $1,111 | $93 |
| 328I 2-Dr Convertible | $258 | $468 | $264 | $16 | $80 | $1,111 | $93 |
| 328I 2-Dr Convertible | $258 | $468 | $264 | $16 | $80 | $1,111 | $93 |
| 328I 2-Dr Coupe | $258 | $468 | $226 | $14 | $68 | $1,059 | $88 |
| 328I xDrive 2-Dr Coupe | $258 | $468 | $226 | $14 | $68 | $1,059 | $88 |
| 328I xDrive Station Wagon | $258 | $468 | $226 | $14 | $68 | $1,059 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $142 | $256 | $264 | $16 | $80 | $758 | $63 |
| 328I 4-Dr Sedan | $142 | $256 | $264 | $16 | $80 | $758 | $63 |
| 328I Station Wagon | $158 | $294 | $226 | $14 | $68 | $760 | $63 |
| 328I 2-Dr Coupe | $158 | $294 | $226 | $14 | $68 | $760 | $63 |
| 328I 2-Dr Coupe | $158 | $294 | $226 | $14 | $68 | $760 | $63 |
| 328I xDrive 4-Dr Sedan | $158 | $294 | $264 | $16 | $80 | $812 | $68 |
| 328I xDrive 4-Dr Sedan | $158 | $294 | $264 | $16 | $80 | $812 | $68 |
| 328I 2-Dr Convertible | $158 | $294 | $264 | $16 | $80 | $812 | $68 |
| 328I 2-Dr Convertible | $158 | $294 | $264 | $16 | $80 | $812 | $68 |
| 328I 2-Dr Coupe | $158 | $294 | $226 | $14 | $68 | $760 | $63 |
| 328I xDrive 2-Dr Coupe | $158 | $294 | $226 | $14 | $68 | $760 | $63 |
| 328I xDrive Station Wagon | $158 | $294 | $226 | $14 | $68 | $760 | $63 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can change premium rates considerably.
We can derive from the above data that using a $250 deductible will cost you roughly $24 more each month or $288 every year than opting for the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 31 months between claims, you would probably be better off if you decide on a higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $250 deductibles: | $89 |
| Average monthly premium for $1,000 deductibles (subtract): | – $65 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
One big caveat is that increasing deductibles to save money results in more money out-of-pocket when you have a comprehensive or collision claim. You should have some funds available in order to pay the deductible to have repairs made.
There’s no such thing as the perfect car insurance policy
When buying the right insurance coverage, there really is not a perfect coverage plan. Your financial needs are unique.
For instance, these questions can aid in determining if your situation would benefit from professional advice.
- Am I covered when driving in Canada or Mexico?
- Should I buy only the required New York minimum liability coverage?
- What is no-fault insurance?
- Can my teen driver be rated on a liability-only vehicle?
- What is the ISO rating for a BMW 328i?
- How can I force my company to pay a claim?
- Where can I get insurance after a DUI in New York?
- Exactly who is provided coverage by my policy?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Shop online but buy locally
Some people just prefer to go talk to an agent and often times that is recommended A nice benefit of getting online price quotes is that you can find cheap rate quotes but also keep your business local.
To make it easy to find an agent, after completing this short form, your information is instantly submitted to agents in your area that give free quotes for your coverage. It simplifies rate comparisons since you won’t have to contact any agents since rate quotes are delivered to you instantly. You can most likely find cheaper rates without a big time investment. In the event you want to get a price quote from a specific company, just navigate to their website to submit a rate quote request.
Picking the best insurance company is decision based upon more than just a low price. Any agent in Buffalo should have no problem answering these questions:
- What company holds the largest book of business for them?
- Does the agency have a good rating with the Better Business Bureau?
- How experienced are they in personal risk management?
- Which companies can they place coverage with?
- Which members of your family are coverage by the policy?
- Do they get paid more for recommending certain coverages?
- Will they take your side in the event of a claim?
- Does the agent have a valid license to sell insurance in New York?
Compare rates from both independent and exclusive car insurance agents
If you prefer to buy car insurance from a reputable agency, it helps to know the two different types of agencies and how they differ in how they quote coverages. Car insurance agents in Buffalo are categorized either exclusive agents or independent agents.
Exclusive Car Insurance Agents
Exclusive agents can only quote rates from one company such as State Farm or Allstate. These agents are not able to provide prices from multiple companies so always compare other rates. These agents receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes use the same exclusive agent primarily because of the brand name instead of buying on price only.
Listed below is a list of exclusive insurance agents in Buffalo who can help you get price quote information.
- State Farm: Dan Hawrylczak
1335 Hertel Ave – Buffalo, NY 14216 – (716) 873-3771 – View Map - Dan Schmidt – State Farm Insurance Agent
615 Elmwood Ave – Buffalo, NY 14222 – (716) 783-9460 – View Map - Lou Santiago – State Farm Insurance Agent
557 Niagara St – Buffalo, NY 14201 – (716) 883-5500 – View Map
Independent Agencies or Brokers
These type of agents are not locked into one company and that enables them to quote your coverage with an assortment of companies and help determine which has the cheapest rates. If you want to switch companies, they simply move the coverage in-house and that require little work on your part.
When comparison shopping, we recommend you get quotes from independent agents in order to compare the most rates. Most can insure with different regional companies which can be an advantage.
The following is a short list of independent insurance agents in Buffalo who can help you get price quote information.
- Willoughby Insurance
1994 Seneca St – Buffalo, NY 14210 – (716) 827-0500 – View Map - C.N. Maranto Agency, Inc.
36 Hopkins Rd – Buffalo, NY 14221 – (716) 633-1818 – View Map - Linda’s Able Agency
2564 Bailey Ave – Buffalo, NY 14215 – (716) 896-3366 – View Map
Once you have received satisfactory answers to any questions you may have as well as a affordable price, it’s possible that you found an insurance agent that can provide car insurance coverage.
Auto insurance company ratings
Selecting a good quality insurance company can be difficult considering how many different companies there are to choose from in New York. The ranking data shown below can help you choose which insurers you want to consider comparing prices from.
Top 10 Buffalo Car Insurance Companies Ranked by Value
- The General
- Erie Insurance
- The Hartford
- Mercury Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers