How to Lower Your BMW 328d Car Insurance Cost
How to Lower Your BMW 328d Car Insurance Cost

The BMW 328d is an excellent luxury car option for drivers seeking fuel economy. Additionally, its lower insurance costs and excellent safety features make it an attractive proposition.

Compare car insurance quotes before purchasing a vehicle to find the lowest premium possible. Our FREE tool below makes this easy; enter your ZIP code below!

Insurance

As with other cars, BMWs tend to be more expensive to insure than other makes and models due to being luxury vehicles and often having higher repair costs than standard models. However, there are steps you can take to decrease your insurance rates: the first being to shop around for deals; you can use an online car insurance comparison tool such as compare.com to quickly compare quotes and select an insurer who offers competitive rates along with superior customer service.

Cost of BMW 328d insurance depends on its model and trim level, such as whether a Sedan version or an xDrive Station Wagon. Furthermore, insurance costs vary by state since each one has different car insurance laws and requirements; on average however a BMW 328d will cost around $1,636 annually or around $136 monthly with full coverage.

Not only will you need to pay for the vehicle itself, but also maintenance, fuel, financing and car insurance costs are an additional burden. A BMW 328d's total ownership costs could reach $44,764. This figure includes purchase price, interest on financing, mileage fees and road taxes - to minimize these expenses it is wise to compare rates before making your final decision.

BMWs tend to be more costly to insure than Audi and Mercedes vehicles; however, they're less costly compared to Acura and Lexus vehicles. To get an estimate of how much car insurance might cost for a BMW 328d we analyzed rates from Quadrant Information Services and compared them with national averages for full and minimum coverage policies - the results can be seen in the table below.

Selecting the ideal BMW 328d trim level and options can significantly reduce insurance costs. For instance, RWD models such as the 320i are less costly to insure than their AWD counterparts; plus adding an xDrive system could enhance handling and decrease accidents/damages to the vehicle.

Maintenance

The BMW 328d is a luxury car that can be expensive to maintain. Aside from purchasing it, costs include fuel, maintenance and car insurance; car insurance costs can quickly become one of the largest expenses on your monthly budget. Comparing quotes from multiple providers may help lower premiums significantly; USAA offers discounted rates for current and former military personnel who qualify; you may also find more information by visiting MoneyGeek's state page.

Maintenance costs associated with owning a BMW 328d can be costly, and repairs or replacements may need to be performed frequently. You can reduce these expenses by following manufacturer recommendations for oil changes and routine maintenance - this will help avoid more expensive repairs in the future.

BMWs are widely known to be highly reliable vehicles, and the 328d is no different. This model scored 2.5 out of 5, making it average among its class. Its engine offers plenty of power on tap, and can easily get up to highway speeds; however, it takes longer to accelerate from zero to 60 mph than the 328i model. Furthermore, its diesel engine produces more noise and smoke; accordingly it must be regularly fed with urea-based diesel exhaust fluid (DEF).

Consider the costs associated with replacing or repairing the drivetrain system. This complex system comprises engine transmission, driveshafts, axles, differentials, wheels and tires; by keeping up with maintenance on this component you can avoid costly repairs while simultaneously reducing tire wear.

Your drivetrain requires regular oil changes to protect it from dirt and debris build-up. In addition, transmission filters should also be changed regularly; typically every 30,000 miles but this depends on your car service manual's instructions or manufacturer schedules.

The BMW 328d is an efficient luxury sedan capable of accommodating seven passengers. Equipped with advanced safety systems like dynamic stability control, brake fade compensation and start-off assist. Furthermore, its interior is well designed and comfortable; additionally it comes equipped with an infotainment system featuring touch-screen display capabilities and Bluetooth connectivity for an enjoyable driving experience.

Fuel

After three model years of a return hiatus, BMW 3 Series diesel returned for 2014. Both its sedan and wagon offerings, the fuel-efficient 328d sedan and wagon, feature a 2.0-liter, four-cylinder, turbocharged diesel engine that uses eight-speed automatic transmission which can be manually shifted. These BMWs achieve 23 city mpg combined rating at 26 miles per gallon on highway; emissions rates come out to 285 grams of CO2/mile while typical sedan emissions average out at around 159.

Features-wise, the 328d offers few differences from its gasoline-powered equivalent in terms of features. Both provide front and rear ventilated disc brakes, a backup camera and four-wheel antilock braking as standard features; premium audio systems featuring SiriusXM satellite radio as well as Bluetooth connectivity can also be added as optional extras, alongside navigation systems and all-wheel drive capability.

The BMW 328d's interior is luxurious and comfortable, featuring seating for five and ample cargo space. Additionally, its smart, sleek exterior design makes for easy driving in snow. However, due to its low ride height and low back door glass which may blind drivers when exiting. To improve visibility further, an expensive $950 Driver Assistance package should be equipped with rearview cameras and backup sensors;

Though the BMW 328d's diesel engine may be appealing, its higher fuel costs may deter potential buyers. At current prices, regular gasoline costs $2.42 while high-octane diesel costs almost $4 per gallon - meaning filling its tank would cost approximately $1500 more than with its comparable gasoline counterpart.

BMW must find ways to combat the negative perception of diesel vehicles as loud and dirty in order for its premium BMW 328d diesel vehicle to find success on the market. Unfortunately, gas-powered models such as the BMW 328i pose stiff competition; its driving experience and fuel economy rival that of diesel versions such as this 328d is similar - as well as being priced nearly $6,000 more than their base models; therefore this premium BMW model may sell in lower numbers than their gasoline-powered siblings.

Taxes

BMWs are considered luxury cars and tend to cost more in insurance due to more costly parts and repair expenses. Your exact payments may depend on your insurance provider as well as personal factors like age and driving record; make and model of vehicle are also factors in rate calculation, though each insurer may weigh these criteria differently.

To get an estimate of the costs associated with owning your car, compare quotes online from different providers. Doing this requires entering your location and insurability information in order to identify companies offering the lowest rates; USAA or Progressive provide excellent car insurance options that offer discounts based on factors like safe driving records.

When comparing rates, be sure to review both full and minimum coverage options. Adding more comprehensive protection will save money over time while giving you peace of mind knowing your vehicle is protected against damage caused by events other than collision.

Though more affordable than its gas-powered equivalent, BMW's 328d remains significantly more costly than competing cars from other manufacturers such as Lexus IS 350 or Ford Fusion. Still, its premium feel and performance make it worth consideration by those with sufficient resources to purchase one.

BMW owners must factor in maintenance, fuel and finance costs when calculating total ownership costs of owning one of these luxury sedans, in addition to upfront price. Furthermore, state fees and taxes may differ depending on where they live. A BMW 328d makes an excellent luxury sedan choice with fantastic fuel economy; its initial investment may seem high but over time savings from lower maintenance costs will more than make up for its initial price tag and performance capabilities ensure this investment will prove well worthwhile for years.