If you want to find the absolute lowest rates, then the best way to find cheaper quotes for BMW 535i insurance is to make a habit of comparing prices annually from different companies who can sell car insurance in Pittsburgh. You can compare rates by following these steps.
- First, take a few minutes and learn about how your policy works and the measures you can take to keep rates in check. Many risk factors that result in higher rates such as at-fault accidents and a poor credit score can be amended by improving your driving habits or financial responsibility. Keep reading for additional tips to get low prices and get additional discounts that may be available.
- Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while independent agencies can quote rates from many different companies. Begin your rate comparison
- Third, compare the quotes to your existing coverage and determine if cheaper 535i coverage is available. If you find better rates, ensure there is no coverage lapse between policies.
- Fourth, provide proper notification to your current company to cancel your current coverage. Submit a down payment and signed policy application to your new insurance company. Don’t forget to keep your new certificate verifying proof of insurance in your vehicle.
The key thing to know about shopping around is to make sure you enter the same physical damage deductibles and liability limits on every quote request and and to get quotes from as many companies as possible. Doing this ensures the most accurate price comparison and a complete price analysis.
It’s hard to fathom, but most drivers kept buying from the same company for at least the last four years, and just under half have never compared quotes from other companies. Pittsburgh drivers could save 55% each year by just shopping around, but they just don’t understand the large savings they would see if they switched.
Companies offering BMW 535i insurance in Pennsylvania
The companies in the list below offer quotes in Pennsylvania. If you want to find cheaper auto insurance in Pittsburgh, PA, we suggest you visit several of them in order to get a fair rate comparison.
Analysis of coverages
The coverage table shown next showcases a range of prices for BMW 535i models. Having a better idea how insurance policy rates are calculated can be of help when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 535I 4-Dr Sedan | $276 | $600 | $428 | $26 | $128 | $1,458 | $122 |
| 535I xDrive Station Wagon | $276 | $600 | $428 | $26 | $128 | $1,458 | $122 |
| 535I GT 4-Dr Sedan | $276 | $600 | $428 | $26 | $128 | $1,458 | $122 |
| 535I xDrive 4-Dr Sedan | $300 | $600 | $428 | $26 | $128 | $1,482 | $124 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in specific garaging location which can change auto insurance rates noticeably.
Policy deductibles
One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The premium rates below can help you understand the cost difference between high and low coverage deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 535I 4-Dr Sedan | $352 | $658 | $330 | $20 | $98 | $1,483 | $124 |
| 535I xDrive Station Wagon | $352 | $658 | $330 | $20 | $98 | $1,483 | $124 |
| 535I GT 4-Dr Sedan | $352 | $658 | $330 | $20 | $98 | $1,483 | $124 |
| 535I xDrive 4-Dr Sedan | $386 | $658 | $330 | $20 | $98 | $1,517 | $126 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 535I 4-Dr Sedan | $286 | $530 | $330 | $20 | $98 | $1,264 | $105 |
| 535I xDrive Station Wagon | $286 | $530 | $330 | $20 | $98 | $1,264 | $105 |
| 535I GT 4-Dr Sedan | $286 | $530 | $330 | $20 | $98 | $1,264 | $105 |
| 535I xDrive 4-Dr Sedan | $314 | $530 | $330 | $20 | $98 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price information does not factor in your specific Pittsburgh location which can decrease or increase insurance rates substantially.
Based on this data, using a $250 deductible would cost the average driver about $19 more each month or $228 a year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 13 months between claim filings, you would save money if you choose a higher deductible.
The diagram below demonstrates how deductible levels and can influence BMW 535i insurance prices for different age categories. The premiums are based on a married male driver, full coverage, and no discounts are applied.
Insurance rate increases from tickets or accidents
The chart below shows how speeding tickets and at-fault fender-benders can affect BMW 535i car insurance costs for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
Cost comparison with and without full coverage
The chart below illustrates the comparison of BMW 535i yearly insurance costs with liability coverage only compared to full coverage. The data is based on no claims, a clean driving record, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
When to stop buying full coverage
There is no exact rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s say your BMW 535i replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 annually for your policy with full coverage, then you might consider buying liability only.
There are some cases where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.
Companies offer lots of discounts on BMW 535i insurance in Pittsburgh
Insuring your fleet can be pricey, but you can get discounts that may help make it more affordable. Some trigger automatically when you get a quote, but a few must be requested specifically before you will receive the discount. If you check and find you aren’t receiving every discount available, you may be paying too high a price.
- Waiver for an Accident – Not a discount per se, but some insurance companies may permit one accident before your rates go up if you have no claims prior to the accident.
- Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
- Homeowners Savings – Just owning your own home can earn you a little savings because it requires personal responsibility.
- Organization Discounts – Affiliation with a qualifying organization could earn you a nice discount on your bill.
- Low Mileage Discounts – Keeping the miles down on your BMW could earn slightly better insurance rates than normal.
- Discount for Life Insurance – Insurance companies who offer life insurance give a lower premium rate if you buy some life insurance too.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and will save you 10% or more on 535i insurance in Pittsburgh.
- College Student Discount – Youth drivers who are attending college without a vehicle on campus could get you a discount.
- Pay Now and Pay Less – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
- Policy Bundle Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you could save at least 10 to 15 percent or more.
As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky. Any amount of discount will help lower your policy premium.
The information below shows the difference between BMW 535i premium costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, claim-free, safe-driver, and marriage discounts applied.
A list of companies and the discounts they provide are shown below.
- State Farm may offer discounts for Drive Safe & Save, multiple policy, multiple autos, Steer Clear safe driver discount, anti-theft, and good driver.
- American Family offers premium reductions for good driver, Steer into Savings, defensive driver, good student, and mySafetyValet.
- GEICO offers discounts for good student, anti-lock brakes, defensive driver, driver training, five-year accident-free, emergency military deployment, and seat belt use.
- 21st Century policyholders can earn discounts including teen driver, automatic seat belts, early bird, anti-lock brakes, and driver training.
- Progressive may include discounts for online signing, multi-vehicle, online quote discount, homeowner, multi-policy, and continuous coverage.
When comparing rates, check with all the companies how you can save money. Discounts might not be offered in Pittsburgh. If you would like to choose from a list of insurers with significant discounts in Pittsburgh, click this link.
Seven Tips to Get Lower-cost Pittsburgh Insurance Premiums
Many things are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving record, but others are more transparent like your continuous coverage or your financial responsibility.
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Age of drivers impacts costs – Older people have been proven to be more responsible, statistically cause fewer accidents, and receive fewer citations. Drivers with little experience are statistically shown to be careless and easily distracted when driving with friends so they pay higher car insurance rates.
The following data is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
- Marriage can save on car insurance – Having a significant other can actually save you money on your policy. Having a significant other translates into being more stable financially it has been statistically shown that being married results in fewer claims.
- Consider raising deductibles – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some examples of covered claims would be a broken windshield, damage from fire, or theft. The deductibles you choose tell how much the insured will be required to pay before your car insurance pays a claim. The higher the amount the insured has to pay upfront, the less your car insurance will be.
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Gender matters – Statistics show that women are safer drivers than men. It does not mean males are worse at driving than females. Women and men tend to get into fender benders in similar numbers, but the males tend to have more serious accidents. Not only that, but men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers cause the most accidents and therefore are the most expensive to insure.
The chart below shows the difference between BMW 535i yearly insurance costs for male and female drivers. The premiums assume no claims or driving citations, comp and collision included, $500 deductibles, marital status is single, and no discounts are applied.
- Is your vehicle theft-ready? – Choosing to buy a car with a theft deterrent system can save you a little every year. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your vehicle from being stolen.
- Incidental coverages you don’t use – Insurance policies have a lot of extra bells and whistles that you can buy on your car insurance policy. Add-on coverages like coverage for rental cars, death and dismemberment, and term life insurance are examples of these. They may seem like a good idea when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.
- Stay claim-free and lower car insurance rates – If you are a frequent claim filer, don’t be surprised to see higher premiums or even policy non-renewal. Companies in Pennsylvania give cheaper rates to people who are not frequent claim filers. Insurance coverage is intended for the large, substantial claims.
Buying from car insurance agents
Certain consumers just prefer to talk to an insurance agent and that is OK! Licensed agents can make sure you are properly covered and help submit paperwork. The best thing about comparing car insurance online is the fact that you can find lower rates and still choose a local agent. Putting coverage with local agents is still important in Pittsburgh.
To make it easy to find an agent, after completing this short form, your insurance data is sent to local insurance agents who can give free rate quotes for your insurance coverage. There is no reason to drive around due to the fact that quote results will go immediately to your email address. In the event you want to compare rates from a specific company, feel free to visit that company’s website to submit a rate quote request.
If you would like to find a reputable agency, there are two types of agencies and how they can quote your rates. Agencies in Pittsburgh are considered either independent agents or exclusive agents. Both can write car insurance policies, but it is important to understand how they are different because it may have an impact on the selection process.
Independent Car Insurance Agencies or Brokers
Independent agents often have affiliation with several companies and that gives them the ability to insure through many companies and potentially find a lower price. If your premiums go up, they simply switch companies in-house which is easy for the insured. If you are comparing car insurance prices, you definitely need to include rate quotes from multiple independent agents to have the best price comparison. Many independent agencies also insure through additional companies that you may not be familiar with which may provide better rates.
The following is a partial list of independent insurance agents in Pittsburgh that may be able to give you free car insurance quotes.
- J.S. Smith Insurance Agency
101 Bellevue Rd Suite 02 – Pittsburgh, PA 15229 – (412) 931-6070 – View Map - Nationwide Insurance: Barry Lumsden
600 Grant St – Pittsburgh, PA 15219 – (412) 415-1954 – View Map - Zikos Insurance
Two Chatham Center, Suite 1060, 112 Washington Pl – Pittsburgh, PA 15219 – (412) 391-3464 – View Map
Exclusive Agencies
Exclusive insurance agents can only quote rates from one company such as American Family, State Farm, and AAA. They usually cannot compare rates from other companies so you might not find the best rates. Exclusive insurance agents are highly trained on sales techniques which helps them compete with independent agents. Consumers frequently use the same agent mainly due to the prominent brand name instead of buying on price only.
Shown below are exclusive insurance agencies in Pittsburgh that can give you rate quotes.
- David Masters – State Farm Insurance Agent
1900 Murray Ave – Pittsburgh, PA 15217 – (412) 422-1616 – View Map - Corey Griffith – State Farm Insurance Agent
1143 S Braddock Ave – Pittsburgh, PA 15218 – (412) 241-1178 – View Map - Steve Heller – State Farm Insurance Agent
146 Forest Hills Rd – Pittsburgh, PA 15221 – (412) 824-4800 – View Map
Finding the right insurance agent requires you to look at more than just a cheap price. Here are some questions you might want to ask.
- Are you getting all the discounts the company offers?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How long has the business existed?
- When do they do policy reviews?
- Will they give you a referral list?
If you feel you receive good answers to any questions you may have and a low price estimate, you may have just found an insurance agency that meets the requirements to adequately provide car insurance.
Shop around and save
People change insurance companies for many reasons like an unsatisfactory settlement offer, delays in paying claims, high rates after DUI convictions or questionable increases in premium. It doesn’t matter what your reason, switching companies is not as difficult as it may seem.
Budget-friendly insurance in Pittsburgh is attainable from both online companies in addition to many Pittsburgh insurance agents, so you need to quote Pittsburgh car insurance with both in order to have the best chance of saving money. Some insurance companies don’t offer rates over the internet and most of the time these small, regional companies prefer to sell through independent insurance agents.
We’ve covered a lot of ways to reduce BMW 535i insurance premium rates online in Pittsburgh. The key thing to remember is the more companies you get prices for, the better your comparison will be. You may even find the best price on insurance is with a small local company.
Additional information can be read below:
- Auto Insurance Basics (Insurance Information Institute)
- Who Has Cheap Car Insurance for Used Cars in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Car Insurance for a Nissan Versa? (FAQ)
- Who Has Affordable Pittsburgh Auto Insurance Quotes for Business Use? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- State Car Insurance Guides (GEICO)