BMW 328i Insurance Quotes in Corpus Christi

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.

Insurance quote for BMW 328i in Corpus ChristiThe best way we recommend to find more affordable BMW 328i insurance is to start doing an annual price comparison from providers in Corpus Christi.

  1. 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.
  2. 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.
  3. 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.
  4. 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.


BMW 328i Insurance Rates in Corpus Christi, TX
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.


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
Get Your Own Custom Quote Go

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

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.Discount auto insurance

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.

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.

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.Higher deductibles save money
These are some specific questions might point out if you would benefit from an agent’s advice.

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.

Insurance agents in Corpus ChristiFor 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.

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.


1145 Waldron RdCorpus Christi, TX 78418(361) 939-7300View Map


7102 Wooldridge RdCorpus Christi, TX 78414(361) 852-1700View Map


4535 S Padre Island Dr Ste 37Corpus Christi, TX 78411(361) 854-2383View Map

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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.


221 S Shoreline BlvdCorpus Christi, TX 78401(361) 985-1900View Map


4701 Ayers St #104Corpus Christi, TX 78415(361) 814-0030View Map


210 S Carancahua St Fl 4Corpus Christi, TX 78401(361) 882-6543View Map

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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.