Want a free price quotes on more affordable insurance rates in Phoenix, AZ? Phoenix shoppers have lots of choices when shopping for the lowest priced BMW M3 insurance. You can either spend your time calling around getting price quotes or save time using the internet to find the lowest rates.
There are more efficient ways to shop for insurance and we’ll show you the proper way to price shop coverage for your BMW and locate the lowest possible price from both online companies and Phoenix agents.
It’s a good habit to compare prices every six months due to the fact that insurance prices change quite often. Just because you had the best price on BMW M3 insurance in Phoenix on your last policy you may be paying too much now. Block out anything you think you know about insurance because I’m going to teach you how to quote online to lower your annual insurance bill.
Our objective in writing this article is to teach you a little about how to effectively get price quotes and how to save the most money. If you’re already insured, you will be able to reduce the price you pay using this strategy. Consumers just need to understand the most efficient way to compare insurance rates online.
Companies offering BMW M3 insurance in Arizona
The companies shown below are ready to provide comparison quotes in Phoenix, AZ. If more than one company is shown, we recommend you visit as many as you can to get the cheapest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| M3 4-Dr Sedan | $276 | $618 | $338 | $20 | $102 | $1,354 | $113 |
| M3 CI 2-Dr Coupe | $380 | $782 | $306 | $18 | $92 | $1,578 | $132 |
| M3 2-Dr Convertible | $216 | $420 | $300 | $18 | $90 | $1,044 | $87 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific location information which can raise or lower coverage rates greatly.
Gender-based auto insurance rates by age in Phoenix
The example below illustrates the comparison of BMW M3 insurance premiums for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied.
Get cheaper BMW M3 insurance in Phoenix with discounts
Not too many consumers would say auto insurance is affordable, but companies offer discounts that can dramatically reduce your bill. Many discounts should be triggered when you complete an application, but lesser-known reductions have to be asked for in order for you to get them.
- Club Memberships – Belonging to qualifying clubs or civic groups is a good way to get lower rates on your next auto insurance statement.
- More Vehicles More Savings – Buying a policy with several vehicles on one policy can reduce rates for all insured vehicles.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote Phoenix car insurance with select insurance companies.
- Discount for Low Mileage – Maintaining low annual mileage could be rewarded with lower rates on the low mileage vehicles.
- Defensive Driver Discounts – Taking part in a course teaching driver safety skills may get you a small discount depending on where you live.
- Senior Citizen Rates – Older drivers can possibly qualify for a small discount on rates.
- Discount for Multiple Policies – If you can combine your auto and home policy and place coverage with the same company you could earn a discount of over 10 percent off each policy depending on the company.
- Accident Free – Drivers who don’t have accidents pay less as opposed to frequent claim filers.
- Distant College Student Discount – Any of your kids who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
You should keep in mind that most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, nobody gets a free ride.
If you would like to choose from a list of insurers that offer the discounts shown above in Phoenix, click here to view.
Local Phoenix insurance agencies
Certain consumers would prefer to get professional advice from a licensed agent and that can be a great decision Professional insurance agents can make sure you are properly covered and help file insurance claims. The best thing about getting free rate quotes online is that you can find lower prices and still have an agent to talk to. And providing support for neighborhood insurance agencies is especially important in Phoenix.
After filling out this quick form, your information is submitted to companies in Phoenix who will give you quotes for your coverage. You won’t need to visit any agencies because quoted prices will be sent directly to you. If you wish to get a comparison quote from a specific insurance company, you would need to navigate to their website and give them your coverage information.
When researching a local Phoenix insurance agent, it can be helpful to understand the types of agencies and how they function. Agents can be described as either independent (non-exclusive) or exclusive. Both sell and service insurance coverage, but it’s important to know how they are different because it may have an impact on your agent selection.
Independent Agencies or Brokers
Agents in the independent channel do not sell for just one brand so they have the ability to put coverage with multiple insurance companies and find the cheapest insurance rates. If premiums increase, an independent agent can move your coverage which requires no work on your part. When searching for an agent, we highly recommend that you get several quotes from at least one independent agent to get the best comparison. Many can place coverage with companies you’ve never heard of which may provide better rates.
Listed below are independent insurance agents in Phoenix that may be able to provide competitive price quotes.
- LA Insurance Agency
7602 S Central Ave – Phoenix, AZ 85042 – (602) 276-0002 – View Map - Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map - Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can usually just insure with one company such as Allstate and State Farm. Exclusive agents cannot compare rates from other companies so they really need to provide good service. These agents receive extensive training on their company’s products and that can be a competitive advantage. Consumers frequently use the same exclusive agent primarily because of the prominence of the brand rather than low rates.
Shown below is a list of exclusive insurance agents in Phoenix willing to provide comparison quotes.
- American Family Insurance – Jennifer Swenson
4731 N Central Ave – Phoenix, AZ 85012 – (602) 995-9334 – View Map - State Farm: Lynn Hennessy
4645 E Chandler Blvd #110 – Phoenix, AZ 85048 – (480) 759-0203 – View Map - Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120 – Phoenix, AZ 85037 – (623) 848-3048 – View Map
Picking an insurance agent should include more criteria than just a low price. Before buying a policy in Phoenix, get answers to these questions.
- If you raise deductibles, how much can you save?
- Are claims handled at the agent’s location?
- Are they involved in claim handling?
- Did they already check your driving record and credit reports?
- How many years of experience in personal auto insurance do they have?
Insurance advertising tricks
Arizona consumers can’t ignore all the ads for insurance savings from companies such as State Farm, GEICO and Progressive. They all seem to advertise claims that people will save if you just switch your policy.
How can each company charge you a lower premium? It’s all in how they say it.
Most companies have a preferred profile for the right customer that earns them the highest profit. A good example of a profitable customer may need to be between the ages of 30 and 45, has never had a claim, and has a high credit rating. Any driver who meets those qualifications will get low premium rates as well as cut their BMW M3 insurance rates if they switch.
Potential insureds who do not fit the requirements may receive higher prices which usually ends up with business going elsewhere. The wording the ads use say “customers who switch” but not “all drivers who get quotes” save that much. That’s why companies can truthfully make those statements.
Because of this risk profiling, you really should compare rate quotes every year. It’s not possible to predict which insurance companies will give you the biggest savings.
Find affordable insurance rates by comparing often
Lower-priced BMW M3 insurance in Phoenix is available online and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide price quotes online and usually these smaller providers sell through local independent agencies.
As you restructure your insurance plan, you should never buy less coverage just to save a little money. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at an affordable rate.
We just showed you some good ideas how to compare BMW M3 insurance prices in Phoenix. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive Phoenix car insurance quotes. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising.
To learn more, feel free to visit these articles:
- Think You’re a Safe Driver? (State Farm)
- How Much is Phoenix Car Insurance for Good Students? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Government Employees in Phoenix? (FAQ)
- What Insurance is Cheapest for a Dodge Journey in Phoenix? (FAQ)
- What is Full Coverage? (Allstate)
- Vehicle Insurance in the U.S. (Wikipedia)